Individual platforms performance
Omaraha‘s XIRR was very slightly up, at 19.70% versus 19.53% last month. I keep on withdrawing money from this platform, in order to diversify my portfolio. I’ll mostly redistribute it between real-estate platforms, the first one being Envestio. My plan is to reduce Omaraha’s size by 50%, so it only weighs 20% of my portfolio (as opposed to 60% at some point !)
Bondora‘s even-dropping returns are of course down again. The XIRR is still above 10%, but for how long ? It was 10.22%, down from 10.72% in August. I once more withdrew available funds, although it may actually be a better idea to reinvest them in order to at least get some profit.
Robocash‘s XIRR also decreased, from 13.04% to 12.92%. As noted in last month’s review, part of this decreased returns is caused by the new installment loans, which only reimburse interests at the end of the loan. Also, the platform seems a bit concerned about having too many investors for the available loans amount, as they stopped accepting new affiliation links.
Crowdestor‘s XIRR rised from 14.15% to 14.90%. 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. Right after receiving the interests, my XIRR reached 17% !
Global portfolio performance
This value is the average of the XIRR for each company, weighted by its amount. It decreased from 15.97% to 15.81%, as I moved funds out of over-performing Omaraha.
In addition funding my EstateGuru account, I greatly increased the size of my Envestio portfolio, nearly doubling it. I’ll keep on doing so in the next months, as well as investing in real-estate projects that seem interesting on other platforms.