Grupeer Cover @ Savings4Freedom

GRUPEER: 1 Year as Investor

Grupeer @ Savings4Freedom

On August 2019 I realized that I’m investing for 12 months on Grupeer. Being one of my Top 10 P2P CrowdInvesting platforms, I felt this to be the right moment to share my experience and explain why investing in Grupeer offers a consistent source of fixed returns to my portfolio.

Grupeer Platform Quick Review

Grupeer is one of the most stable players in the P2P lending business ecosystem. You can invest in real estate projects and business loans and earn around 13% per year in interest. The minimum investment required is €10 and all loans in Grupeer have a buyback guarantee in case of borrower’s payments is delayed for more than 60 days (if the lender can’t pay, the loan originator company repurchases the debt). 

Available to the public since February 2017, Grupeer works on a business model similar to Mintos: they are a marketplace where loan originators offer their pre-funded loans to investors like me. By doing this, they have more money available to fund new loans so they can leverage their businesses. Making a checkbox on my investment principles, Grupeer only fails one: early exit. I know they are working to have a secondary market available, but until then it is important you know that you cannot cancel or sell your investments once you commit to them.

Nothing wrong with that if you as an investor follow a strategy that does not require quick liquidity on your investment assets. In my particular case, Grupeer is the only platform present on my Top choices that do not provide early exit and even so is among my favorites. It is a great way to invest your money in medium-term loans in a totally automated manner. It could be an ideal starting point for a new P2P lending investor, but it’s all about what works for you!

A key aspect when considering investing in Grupeer is the recurrent cashback campaigns offered from time to time. They can have a significant impact on your portfolio returns if used wisely.

Creating a Grupeer investor account is very straight forward and it’s very easy to invest. The website is very simple and easy to navigate, invest and manage your portfolio. The auto-invest tool makes investing at Grupeer truly passive. 

During the first year, Grupeer provided me with €598.83 in interest for a total investment of €4.043,72. A return of ~13% in 12 months.

Analysis TopicPersonal Take
Type of Loans @ Savings4Freedom

Type of Loans Available

Real Estate | Business
Interest Rate @ Savings4Freedom

Average Interest Rate 

~13%
Buyback guarantee @ Savings4Freedom

Buyback / Secured Loans

Yes
Early Exit @ Savings4Freedom

Early Exit / Secondary Market

No (under development)
Autoinvest Feature @ Savings4Freedom

Auto Invest Feature

Yes
Control over loans @ Savings4Freedom

Control over Loans Invested

Yes, you choose
Money Drag @ Savings4Freedom

Money Drag

No
Hidden Fees @ Savings4Freedom

Hidden Fees

No
Loan Duration @ Savings4Freedom

Loan Duration

3 to 36 months
Report Quality @ Savings4Freedom

Reporting Tool

High Quality
User Experience @ Savings4Freedom

User Experience

High Quality
Sign up bonus @ Savings4Freedom

Sign-up Bonus

In case you employ my referral link to invest in Grupeer you earn 1.25% on all investments over the first 6 months in cashback
Evaluation @ Savings4Freedom

Overall Evaluation

8/10

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iban Wallet @ Savings4Freedom

IBAN WALL: First Impressions & Review

iBAN Logo @ Savings4Freedom

iban Wallet is a fintech startup that follows an asset-backed loan investment model similar to Robocash: black box loan investing. This means that you don’t know the loans that are receiving your investment, you are only able to select the investment tier and duration.

You can invest and earn your interest daily from 2.5% up to 6% per year, being able to deposit and withdraw money daily. The minimum deposit and investment amount required is €1.

Funded in July 2016 in the UK, the company received funding through multiple crowdfunding campaigns that financed the development of the iban Wallet App, launch in March 2019 and the business development to recruiting investors in Europe (mainly from the UK and Spain) and borrowers globally.

iban Accounts do not fall under any government-backed deposit protection schemes (such as the FSCS in the UK) and all investment done is at risk. iban Wallet is not a savings account.

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P2P Conference @ Savings4Freedom

Conference Report: Summary of the P2P Riga’19 Conference

On Friday the 7th of June, over 240 people among P2P platform representatives, P2P investors, and bloggers came together in Riga for the 1st edition of the European P2P Conference. This P2P Conference was certainly a memorable one! Taking place at the wonderfully unique RISEBA Architecture and Media Center H2O 6, this event brought together people from 24 nations representing the entire community to display just what makes P2P crowdlending so unique – its diversity, its cross-sectoral nature, and its collaborative spirit.

The event, hosting interesting keynote speakers, an array of informative presentations, and topped off with a fun evening and second-day entirely dedicated to networking opportunities.

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P2P Conference Riga’19

P2P_Conference_Riga2019
The European P2P investment community is gathering in Riga next June 7-8 to discuss the future of the industry.
You can join the conference buying your ticket here: https://bit.ly/2UtHuUZ
 
This is a great opportunity to learn and meet with leading platforms, investors and experts!
 
#S4F #Savings4Freedom #P2P #Peer2Peer #Investments #Riga

 

Portfolio Update: April 2019

Hi Savings4Freedom friends!

February was a specially painful month for me. The loss of a very important family member is always a defining moment in everyones life… apologies for not publishing last months report. I updated all information on the blog over time, but not a post… thank you for understanding.

Live goes on and here is the April 2019 S4F report.

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Investing in Crowdlending: some important notes…

©Photo. R.M.N. / R.-G. OjŽda

Hi Savings4Freedom friends!

Some quick notes before you start investing in crowdlending platforms…

When you research a new crowdlending platform, it is not only important to look after the expected return and platform usability… There’s quite a few other, more relevant details to evaluate before investing:

  • How old is the platform?
  • Who is the management team?
  • How do their financial reports look?
  • Is it a single- or multi-loan originator platform? How many loan originators do they have?
  • Do they offer buyback guarantee on your loans?
  • What is the minimum investment in loans?
  • Which loan types do they offer?
  • Do they have autoinvest functionality?
  • Do they accept investors from your country?

For each of the platforms I present on S4F you will find a review in their info pages, based on my experience. It is a mix description based on credibility, size, functionality and support as criteria for the review. I also try to read what is the word on the street from other investors in the personal finance ecosystem.

Please feel free to contact me over email [email protected] and share your opinion, comments or suggestions on the topic above.

If you enjoyed this post, please hit the like button below and/or share it with your friends. Thanks for the support!

Portfolio Update: December 2018

©Photo. R.M.N. / R.-G. OjŽda

Hello Savings4Freedom friends!

For the first time I’m sharing my monthly update.

I will try to offer you these updates on the 1st day of every month. The idea is to provide you with a transparent manner to check my monthly returns and the cumulative results of my investments.

Over the next month I will work to improve the blog layout and structure. I welcome any suggestions you may have to enhance how the information is presented. If you are here for the first time, please check out the other pages on the blog and let me know your opinion. Thank you for your support!

Without further due, let’s check the results.

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Telling my story towards financial freedom…

csmboto picture

I’m Carlos, a 33 years old PhD, and startup founder. I live in Portugal with my wife. I always had the mental drive to save money, but never with financial independence in mind. Only at the beginning of 2018, I decided to structure my efforts towards freedom. This blog tells you all about my path, decisions, and mistakes.

I face strong limitations regarding my financial freedom, however, I don’t have any doubt that I will be able to achieve this personal goal of becoming financially free. Anyone can reach financial independence. It’s all about the way you wish to live and the costs necessary to sustain such a living standard.

I learn to save money with my Father. He was a hardworking and honorable man, entirely committed to supporting his family. I saw his effort to support my studies and his energy to provide me the opportunity to fly high without financial concerns. My Father is my hero.

There are many different ways to achieve financial independence, but you always will need to follow these:

  1. Keep a simple lifestyle.
  2. Maximize your income streams.
  3. Save and invest wisely.

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