On this page I have compiled my overall returns for the year 2020 (in interactive graphs and tables) to show you how my investments are performing. This overview also shows you what rates (i.e. direct yield) each of the various Crowdfunding and P2P investment platforms have returned.
Come back regularly as this page is updated each month. Also, check out my monthly updates as they show more detailed information about how my investments perform each month!!
Progress Towards Financial Freedom
This is my main chart, showing my progress towards financial freedom! It’s one of the main reasons why I have this blog today. Being able to track this each month keeps me focused on my goal of becoming financially independent!
As I am planning to reach my goal (i.e. 100%) within 20 years, I have laid down a guiding path based on my expected returns and estimates. I have set a very conservative estimate of 20 years to become financially independent, as I am currently aggressively paying off the house, and raising a (very) young family. Once the mortgage is paid off (within 8 years), I expect to really hit the accelerator on my investments. This graph will change regularly with new information and calculations etc.
Overall Asset Allocation
As it is important for you to see how my assets are allocated, I have provided some charts below to show my diversification between various investments. Additionally I have shown the diversificaiton between the different P2P Investment and crowdfunding platforms.
Passive Income Sources
To reach my goal of financial independence, I realise that I need to have multiple sources of passive income, that is on top of my working from home job (a.k.a. my day job). Currently I have 5 passive income streams, which I have outlined below:
- Dividend investments
- P2P and Crowdlending Returns
- Solar Generation
- Website advertisements
- Affiliation links
This list will be updated with the release of my early November Update
My P2P and Crowdlending Portfolio
The graphs above provide the stacked returns that I have made (per month) through each of the P2P investment platforms that I invest in (Mintos, Bondora, Grupeer, Rate Setter (AU), Fast Invest, Crowdestor, and Reinvest24). Each month is marked in a separate colour, and the total investment can be seen on the bottom axis. The average investment return has also been included. Click on the graph to see more details.
Real Estate Crowdlending / Fractional Real Estate
A few months ago, I purchased some solar cells from The Sun Exchange (if you use the affiliate link, then you will get 1 free solar cell on your first purchase!). The Sun Exchange is the world’s first peer-to-peer solar cell micro-leasing platform. he platform works by people purchasing solar cells, which are then leased to companies (such as schools, nursing homes, shopping malls etc), who will pay for the electricity that is generated by your cells. The companies generally can’t afford the outright cost of the systems themselves, which is where the crowdfunding aspect comes in. The solar system will be split up into many smaller cells, that are sold at a reasonable price. Solar cells can be bought in either BTC or the local currency (ZAR).
The below graph shows how much solar energy I am generating (and then how much Bitcoin i’m passively earning each month).
Monitoring Your Returns
It it extremely important to monitor your financial progress , otherwise how do you know how much money you have made? Monitoring your progress allows:
- Performance tracking over time – where you sit compared to your financial goals, how you compare to others, and expectations of investments.
- Monitoring of outflows – outflows include fees or payments that may occur. Generally P2P platforms have no fees, however, there can be fees for currency conversions, and purchasing second hand P2P loans.
- Continual adjustments – It is important to diversify investments taking into account investment types, platforms and countries. By creating financial overviews, you can see if you are to exposed in a certain area.
I have also provided my crowd lending data in a table format. The table can be set in ascending or descending order to easily see each months investment.
You can find all of my monthly updates in the yearly summaries below.