Tag: investment portfolio

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Discover Nibble

Discover Nibble,its simplicity of use and its medium-high proven profitability. Read.

What can I say about Nibble? I started investing in this platform in mid-April and three months later I have already received (and reinvested) the € 10.31 interest.

Here’s the summary of my current portfolio:

And what’s my experience with them?

Unbeatable. They have met the expected return (14.5%),I have not suffered any delay in the 7 active loans, it is a very simple use platform that has made it easier for me to reinvest the interest generated.

Here are more charts and details of my personal account.

Is Nibble safe?

Yes, it is. Although Nibble was launched in 2019, the platform is owned by IT Smart Finance Group,a strong financial group created in 2014 and headquartered in Barcelona and Moscow. At the end of 2021 they will open headquarters in Mexico.

Nibble offers micro-credits issued by Joymoney Spain and Joymoney Russia,analyzed based on three criteria: probability of delay, risk of fraud and degree of loyalty.

And what investment options does Nibble offer us?

It has three strategies. This is the Classic Strategy,which until August 31 offers 11.7% instead of 9.7%, WITHOUT any risk and with a minimum investment of € 10:

NOTE: Here is more information about the risk classification, from AA to C.

Below I show you the Balanced Strategy. In it I have invested since April € 300 and I have already reinvested € 10.31 in interest in just 3 months, which confirms its 14.5% return.

It carries more risks, but so far NONE of my projects are in arrears. The portfolio requires a minimum investment of € 100 and the minimum investment term is 7 months:

Finally, they have the Special Strategy,with a return of 17.2%,but I do not recommend investing in it at the moment because it does not compensate for the risk. In addition, the minimum amount and period are 500€ and 12 months, respectively.

Below I provide how the risks of each project are determined.

Nibble is currently in the process of obtaining the AML (Anti-Money Laundering) certificate.

They have also applied for a supervisory licence from the FSA (Financial Supervision Authority) of Estonia.

You can review their financial statements, audits and balance sheets at this link.

And how are the risks determined?

They are evaluated by a Risk Committee that meets at the end of each month, composed of the following professionals:

And what is its mission? There are three tasks to be developed:

  • Study and analyze the results of the work done regarding NPL 30-60-90-120 (delayed projects at 30 days, 60, 90, 120)
  • Compare the actual indicators with those programmed for the period
  • Analyze the scoring and profitability model (11.7%-14.5%-17.2%),make a forecast and calibrate it

And who helps me if I have doubts?

They have very good support through chat, telephone and e-mail in Spanish, English, German, Russian and Italian.

Would you like to invest in Nibble?

Clicking on this image will add 2% if you invest more than € 300, that is, an additional € 6:

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Updating my portfolio: September 2020

Month of high hope

Month of high hope, yes. Although they have only been half-fulfilled,because I expected many charges from Crowdestor and half of them have been made. The ones that did not materialize in September are 91€ of the Saapio project and 459 euros of the Inch2 project.  

If the deadlines had been met, the amount of profitability this month would have been 1,003 euros, but due to these delays, the actual total has been 448euros, which is not bad either. 

Since August, another 186 euros derived from the Forestland Investments and Kabuki projects have been pending payment.

Finally, from May and July respectively, the projects already completed Fertilizer Export and The Catch, with amounts of 1,494 euros and 1,466 euros, are pending.

In Mintos I have returned 13% of the portfolio in September and will continue to lower my exposure with them because I have 882 euros of 1027 euros in recovery and only 141 euros producing some profitability. They have several new features that you can see below. 

Peerberryhas barely made a profitability this month because most projects will be completed in October. I have increased my portfolio by 200 euros and continue to work firmly, even increasing the profitability of some projects.

At Viainvest I have increased 300€ my portfolio in projects to 12% and will remain one of my platforms to consider in the coming months.

On August 31st I increased 2,000 euros in Robo.cash,taking advantage of the promotion to 14% that is not in force today.

Lenndy also received 200 euros to increase the portfolio to the current 1,200 euros and has contributed me 17 euros in interest. 

I am still very satisfied with Bondster,although this month I have half the projects with delays,but they always apply their Buyback that works perfectly. 

From all other platforms – Bulkestate, Swaper, Wisefund, Crowdestate y and Grupeer – you can see below all the details, which are not few. I also update the latest advances in the processes against Monethera, Kuetzal and Envestio. 

And to finish, unlike in my previous publications, I will tell you what’s new in Housers:

Fifth consecutive month without paying me any interest or repayment. It appears that they will start to pay back the interest of two projects and another one could be incorporated if the votes at the shareholders’ meeting dictate it that way – until I see it on my account I won’t believe it –the project to be sold in June has been dismissed and Housers has decided that you no longer need to have your customer service as easy as that. 

Two months ago they announced to all the media that they were moving to super-offices. Well, just out of curiosity I stopped by to see them and it is a co-working space. Will there be any truth to what they say?

As of September 29, I’ve paralyzed Robo.cash, Lenndy and Bondster’s Autoinvest to take care of a family member’s mortgage with the money they report to me.

Here I show you the monthly profitability chart obtained in September:

And here’s what’s new in the detail of each platform:

Mintos (extended version)

It remains P2P’s number one platform, with 92 million euros invested, followed by Peerberry with 14 million.

But I’m not exactly happy with Mintos. The 882 euros that are in arrears could be charged in a period of 10 months, according to the information extracted from the different originators.

Continue reading “Updating my portfolio: September 2020”