February stats

February was a bit slower month for me. And no, it is not because it is the shortest month of the year. Just I haven't had dividend payouts in 2 months from my stock and fund investments and this month also no bigger bullet investments ended in P2P platforms. So the stats are a quite bit lower than January.
In January the main part of my wholesome ;) profit 143,01€ that I got from my investments came from CrowdEstate where the Peterburi 98 early exit was finalized and final internal rate of return was 26,09%.
In February the biggest part came from EstateGuru where 3 of my loans ended and that is why the sum is bigger. Also, one more loan was supposed to end, the Tolli 7 which seems to be in financial difficulty. We will see how this plays out- my skin in the game is the minimum 50€ they allow in this portal. All together my profit in February is 72,55€, and my deposits in February were 450€.

Also what is important to note is EstateGuru and CrowdEstate are longer-term investments and pay out interest not as often as private loans in Mintos and Bondora- so here the income varies quite a lot as I do not have a large portfolio diversification in these portals. I started to invest in CrowdEstete in December 2016 and based on my loans the average loan term is 26 months and most of them do not pay interest monthly or even quarterly. In the EstateGuru portal, I started in February 2017 and there perhaps about half the loans pay monthly interest and the average loan duration (based on my loans is 14,4 months). So based on these portals the Estateguru gives better money circulation and as the minimal amount is smaller it allows a bit better diversification. At the same time CrowdEstate gives higher profits (NB also higher risk) and as the loan terms are longer this might be useful when the average interest offered in the portal(s) goes down- your money is locked in higher interest loan for a longer time- giving better yields. But of course, if the market crashes your money is stuck there. So it is risky...

As I was a bit forgetful I did not write down all the stats at the end of the month, so I do not have the exact investment portfolio value of 28th February, but it was about 13 800€, based on the fact that today, on the 4th of March it is 13819,5€.
As always, exact numbers are available here.