Individual platforms performance
XIRR for my Omaraha portfolio was stable, at 19.68% compared to September’s 19.70%. My target allocation for this portfolio is around 20% of my overall P2P portfolio, so will I keep on decreasing its size.
October was another great month for my Crowdestor portfolio; XIRR increased from 14.90% to 15.19%.
Once again, this doesn’t reflect the actual performance of the portfolio, as the interests get paid at the beginning of the month while I compute the returns at the end of the month.
XIRR for my Envestio portfolio was down, as its computation suffers the same glitches as Crowdestor’s. Its value for October was 14.43%, versus 14.88% in September.
I increased my portfolio size again, and will continue doing so; my target size is currently 12% of my P2P portfolio, but I may get more aggressive and push it to 20%. It will mostly depend on how much diversification I can get with their competitors.
Global portfolio performance
This value is the average of the XIRR for each company, weighted by its amount. It’s down again, from 15.81% to 15.61%; the main reason is once more the dramatic sub-performance of Bondora, and the fact that I moved funds out of Omaraha.
I once again greatly increased the size of my Envestio portfolio; in addition to this, I slightly grew my portfolios at BulkEstate, CrowdEstate and Crowdestor as all these platforms had interesting projects. It looks like Crowdestor has many projects coming, so I may increase its size much more.
I stopped withdrawing money from my Bondora portfolio, in order to see if it would improve its terrible performance. It’s too early to tell, but for now I’m not too optimistic !