P2P investing Platforms

Portfolio update February 2020

Hi everyone, Happy new year to all!
Thank you for stepping by Wealth seekers!
So, how was the previous months for my investments and what returns did I receive.
Let’s review the numbers for last month’s earning and invested amounts.
Monthly Income Statement: February 2020
Platform     Income         Total        Invested 
                                        invested   amount  this month
Mintos          26.49€     3331.64€    + 198.87€
RoboCash    0.54€         118.91€     + 0.00€
Peerberry     2.31€        279.76€     + 0.00€
Bondora        0.16€           31.18€     + 0.99€
Total              29.50€    3 761.65€    + 198.87€
Achieved goals

First goal: Passive income 1’000 € per month (at this level I will be financially independent, and I will be able to pay for my daily expenses);
Achieved 2.95 %

Second goal: Passive income 2’000 € per month (at this level I will be comfortably financially independent. This is close to my current day job salary);
Achieved 1.47 %

Third goal: Passive income 10’000€ per month (at this level I will be able to achieve my life dreams, do pursue my traveling hobbies and spend my free time with my family);
Achieved 0.29 %

Fourth goal: invest minimum 10% from monthly income.
Achieved – invested 10.0 % from monthly income.

Freedom barometer

“Income from investments” this month it was 29.50 € (3.18 € less than last month).

That means I’m 2.95% Financially Free (down by 0,32% from last month). I have increased my invested amount by 10% from my income this month, so my minimum investment goal would be achieved this month. I am a bit disappointed about the returns I have received from my investments in February, as it has gone down comparing with the previous month as there are many loans that are late with payback, so I hope in March situation will get better and monthly returns will be higher and more predictable. March is going to be similar to February with the invested amounts as I am still working on a separate E-commerce project and I will be investing in that project more as I see a great potential in the project.

I have been in the P2P investing for a while now and still I am seeing big potential in future as this is nice way to create nice passive income stream alternative to real estate renting, so I hope by maintaining my investment course I will be able to leave my work one day and just live my live without thinking about 9-5 work again.

My financial journey is just starting so I am not letting my goals go and I know I will achieve them! After playing with Excel and calculating when I will be financially free, I understood that by investing only 10% from my income I will achieve my first goal in 15 years, so I will be trying to up the invested amount as much as I can every month and I will try to achieve at least 20% or even 30% invested amount from my all income. By doing so the time period for achieving my first goal will be shorter by at least 5-8 years and I will be able to fully sustain my expenses only by returns from P2P investment platforms.

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