November 2019 Portfolio returns
Euro Investor Club
by Eimantas
4y ago
Although nothing special happened in my portfolio during November, I had an opportunity to attend the largest fintech conference in the Baltic states called Fintech Inn. In it, there were talks regarding different issues and solutions regarding financial technologies and startups and one of the topics covered were crowdfunding. There are a few important things everyone should know when investing in p2p platforms in Europe and I will share them at the end of my portfolio review. This month seems to still suffer from lover interest rates across all platforms. None of the platforms managed to ..read more
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October 2019 Portfolio returns.
Euro Investor Club
by Eimantas
4y ago
I don’t know about you guys, but October was busy for me, to the point where I hadn’t had a lot of time to track my investments. And I hadn’t had enough time to think about future actions with the portfolio but I was learning a bit more about index fund vs stock-picking discussion for my future entry into the stock market. Anyways, it’s good that the month finally ended and I have my opportunity to look over the results. So far it looks like, overall interest rates got a bit low on all platforms. I haven’t looked into it more but heard some thoughts that this is just a seasonal thing and b ..read more
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September 2019 portfolio returns.
Euro Investor Club
by Eimantas
4y ago
So this month was particularly exciting for me as during August I made my largest one-month investment so far, thus I was expecting a big bump in my returns. Also, I got the chance to evaluate two new re-designs of platforms and changes that re-designs brought. This platform review is especially useful to Finbee investors as there was some drama that could have been missed by non-Lithuanian investors as it revolved in Lithuanian p2p investing facebook groups. Platform Size at the begging of the month Monthly change Monthly gains Average interest rate Funds added during this mo ..read more
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Robocash review.
Euro Investor Club
by Eimantas
4y ago
Robocash group was created in 2013 in Russia by Sergey Sedov. Later in 2017 peer to peer lending platform know as Robo.cash launched. Robocash group focuses mainly in to short term loans and this is what is offered on their platform. I started using this platform since May 2019 and this is my unbiased review of my experience using Robocash platform. Main facts about Robocash platform and group As always I like to write a small review of main facts about each p2p platform and its holding company. Company and group facts: Established in 2013. CEO: Sergey Sedov. Group consists of a c ..read more
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August 2019 portfolio returns.
Euro Investor Club
by Eimantas
4y ago
Sadly the summer has to end at some point. But with the end of the month, we can check how my peer to peer lending portfolio held off. Overall this was a pretty eventful month for my portfolio with my largest single month investment so far. So let’s go straight to the overview. Platform Size at the begging of the month Monthly change Monthly gains Average interest rate Funds added during this month Finbee.lt 770.93€ 6.89€ 0.89% 15% – Mintos 1243.07€ 16.37€ 1.31% 12.73% 720€ Robocash 910.81€ 10.03€ 1.10% 12% 400€ Nordstreet* 200€ 1.77€ 0.89% 10.5% – Estateguru 100€ 0.76€ 0.76% 11 ..read more
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Emergency fund size – how big should it be?
Euro Investor Club
by Eimantas
4y ago
Everyone who got interested in personal finance first learned about an emergency fund. This is something everyone suggests beginners should start with. And they are right, having an emergency fund is an important part of personal finance and should come before portfolio building. But what is the appropriate size of an emergency fund? 1000€? 2000€ 10 000€? This is what I will try to figure out in this article. What is an emergency fund? First of all, let’s clear what emergency fund actually is and why would you need to have one. An emergency fund is a part of your savings, that you h ..read more
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Peer to peer lending risks explained
Euro Investor Club
by Eimantas
5y ago
While reading through various investing blogs and forums I noticed that a lot of people do not understand the risks involved in peer to peer lending. This is why I decided to write this article explaining what are actual risks and how realistic those risks are. Peer to peer platform risks: Each platform works a little bit different to stand out from others and each one brings their own risks that might not be applicable to other platforms. Buyback guarantee: For those that don’t know, buyback guarantee is when loan originator promises to buyback an issued loan if it defaults ..read more
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July 2019 income report
Euro Investor Club
by Eimantas
5y ago
Even though Jully was hot in most of Europe, it was actually quite cold in Lithuania. Something a bit more relaxing after the hot June. And as for my portfolio, it did beat my expectations by quite a bit. I did expect something around 25-27€ in income, yet managed to reach a record of 31€. So let’s proceed with my portfolio review for July 2019. Monthly portfolio results: Platform Size at the begging of the month Monthly change Monthly gains Average interest rate Funds added during this month Finbee.lt 761.94€ 1.17% 8.99€ 15% – Mintos 1230.08€ 1.05% 12.99€ 12.56% – Robocash 6 ..read more
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