News
News
1st of October - new tickers and last month results in percents
Momentum strategy 0.46
AAPL, NVDA, AMD
Value strategy 1.83
Acas, Nvmi, Ryaay
Adaptive strategy 2.69
VPL
Crash proof 1.86
Volatilty strategy 0.00
not invested
Total monthly profit 1.368 pct
26th of September
I had to remove the Earthbitcoin and Icebitcoin faucets as they stopped paying
5th of September 2016
My 3 month experience with Bondora
Lately I have read some negative referrals about Bondora and their non-performing Finland's and Spanish loans. But I give it a try as I don't want to put all eggs in one platform. Rates look attractive, wide number of loans and according some of the users there have been quite significant improvement in collection process lately which has brought to those who stick with this platform nice windfall.
Setting up the account is quite easy and doesn't take more than 5 mins. You will need to fill up your name, address, state and only later on to provide the scan of your ID document when you ask for withdrawal. Once all details are filled up you will get bank details to fund your Bondora account. I have sent money by SEPA payment and funds were in my Bodnoras account next day in the morning.
I have set up portfolio manager. You can choose from 3 different pre set options Conservative-Balanced-Dynamic and maximal amount per one loan. Proceeds are invested on both primary and secondary market to current loans with no premium. I set up the conservative portfolio as it invest mostly to Estonians loans around 80 pct that has preformed the best according the public data and 20 pct to Finlands one. It took almost 1 month to invest all my funds. So it is quite difficult to invest bigger amounts and at the same time have nice diversification. I have invested 5000 EUR and currently I got more than 700 live loans. To speed up somehow the investments I used the secondary market and use the filter for loans with discount that match my criteria like current loans, no delays in payments, rescheduling , age over 30 years, income verified, credit score 1000.
At the moment I got internal interest rate about 12 pct but it was boosted by investments in loans with discount. We will see how it will perform later on.
1st of September 2016
Twino perform the third best so far. I invest into loans with buy back guarantee. It means if the loan is more than 30 days in delay with payments Loan is bought back by originator. After setting up the Auto-invest function funds have been invested within the minutes very nice liquidity and new loans are added daily no need to check and change the auto-invest as in Mintos. Most of my loans invested in secured car loans originated by Mongo and I also have some personal loans originated by CreamFinance. So far may internal rate of return 9.5 pct slightly higher than Mintos.
31st of August 2016
Equity investments update
Momentum strategy - close and go long XLNX US Equity, NVDA US Equity, AMD US Equity
Value strategy - close and go long CE US Equity, JCTCF US Equity, SNFCA US Equity
Adaptive ETF Theory - close and go long VPL US Equity
Crash Proof strategy- rebalance to short 33 cpt UVXY US Equity and short 67pct XIV US Equity
Volatility strategy - not invested
31st of August2016
My 3 month experience with Mintos.
Setting up the account is quite easy and doesn't take more than 5 mins. You will need to fill up your name, address, state and only later on to provide the scan of your ID document when you ask for withdrawal. Once all details are filled up you will get bank details to fund your Mintos account. I have sent money by SEPA payment and funds were in my Mintos account next day in the morning. I set up auto-invest function -only loans with buy- back guarantee, interest rate above 12 pct and maturity less than 60 month. Within few minutes all my funds were successfully invested. After 3 month my own calculation shows net interest around 8.5 cpt p.a. and I expect to gradually improve once the 60 day guarantees phase in as roughly about 20 pct of my loans are in delay. I need to check it at least once a week to see if auto-invest is working properly. There is a lot of buy backs due to restructure of the loans, prepayments and buy-back guarantees. So the turnover is quite heavy and from time to time I need to change the parameters of Auto-invest as the interest rates and supply of loans varies to be fully invested.
7th of July 2016
Opening the account with SavingStream
Setting up the account is quite easy and doesn't take more than 5 mins. You will need to fill up your name, address including the scan of your ID document. Once all details are filled up you will get bank details to fund your SavingStream account. I have sent money by TransferWise as I don't have GBP account and I have seen lots of good referrals. Money arrived on Saturday morning quite surprise to see it as I expected on Monday. So super fast. On the market there were about 50 live available loans and I decided to spread across all loans equally about 100 GBP each. Unfortunately there is no auto-invest function I you have to invest in each loan individually and solve the reCaptcha to be sure you are not a robot. Well it took a quite a long time 50 time solve the reCaptcha and pick up correct pictures. I could not do it in one shot and took me around 1 hour in total.
8th of July
How I sent money by TransferWise
So I have found a referral link that told me to have the first transfer for free. First thing I noticed that the first free transfer is not entirely free . It is limited to 500GBP so you can save in fact only 35 GBP not more whatever amount you sent. I have set up the details including the scan of ID and requested to send 5000 GBP what was my surprise that they want me to sent about 3.5 pct more then was actual exchange rate. They have written it is just precaution to full fill the request on time and in an exact amount and all rest of the funds will be returned. Ok I sent less money and learn that my request cannot be process as I did not send exact amount. Either I need to send more money or cancel the request and wait to receive money back. I decide that to contact the Transferwise by chat and change the request to transfer 160k CZK to whatever amount in GBP after about 7 hours of chatting and talking to at least 3 representative of TransferWise I got successfully sent my money to Saving Stream where my money were credited on Saturday. Of cause I have lost my first free transfer as I need to cancel original one and new one was consider as the second transfer. So always setup the request as to sent many in local currency to receive whatever amount in foreign currency.
31-Jul-16
Value Strategy
CE
AWH
SPAN
US Equity
31-Jul-16
Momentum strategy
AMD
XLNX
NVDV
US Equity
31-Jul-16
Crash Proof Strategy
rebalance to short 33 pct UVXY and short 67 pct XIV US Equity
19-Jul-16
Volatililty strategy
exit XIV
30-Jun-16
Value Strategy
KELYB
ORBK
UBCP
US Equity
30-Jun-16
Momentum strategy
AMD
AMZN
NVDV
US Equity
30-Jun-16
Crash Proof Strategy
rebalance to short 33 pct UVXY and short 67 pct XIV US Equity
29-Jun-16
Volatililty strategy
long XIV
27-Jun-16
Volatililty strategy
exit XIV
15-Jun-16
Volatililty strategy
long XIV
31-May-16
Value Strategy
CCK
SPAN
GPK
US Equity
31-May-16
Momentum strategy
AMD
AMZN
NVDV
US Equity
31-May-16
Crash Proof Strategy
rebalance to short 33 pct UVXY and short 67 pct XIV US Equity
30-Apr-16
Value Strategy
SENEB
GPK
RYAAY
US Equity
30-Apr-16
Momentum strategy
TSLA
AMD
NVDA
US Equity
30-Apr-16
Crash Proof Strategy
rebalance to short 33 pct UVXY and short 67 pct XIV US Equity
20-Apr-16
Volatililty strategy
exit XIV
Links
https://p2plending.webnode.cz/
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