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My Investment Journey
July 23, 2023November 6, 2023

Crowdfunding – Q2 2023

In Q2 2023, my crowdfunding portfolio reached 3,905€ and returned 109€ for a yield-on-cost of 10.8%.

    • +9€ (i.e. +9.0%) vs. last quarter
    • +12€ (i.e. +12.4%) vs. prior year period

Passive Income Evolution

The yield spiked in Q2 2023 because I received the reimbursement of a few projects but I did not immediately reinvest the money received. Thus, my capital invested decreased significantly, leading to a higher yield than usual. This is one of the reason why I prefer to look at my yield-on-cost which is my yield on the cash I injected into these platforms.


Allocation

As you can see, my portfolio heavily relies on two platforms: BienPreter and October. This is something I definitely want to change.

In the short term, I want to exit from October. My experience with this platform was not the best and I would not recommend anyone to go for it. Yields are not enticing and I had a lot of defaults.
I also want to increase my position on LaPremièreBrique significantly. This is a platform I discovered recently and which has a lot of good reviews from investors. They mainly focus on property flipping and offer strong guarantees such as first mortgages.

In the long run, I would like to try new platforms such as Clubfunding and Baltis but it would require additional funding since the minimum ticket on these platforms is 1,000€.


Major Updates

As of June 2023, I have 4 projects in default for a total of 211€:

PlatformProjectProvisionsComments
OctoberFMPA115€Company placed in liquidation
OctoberInterlink Transport19€Company placed in liquidation
OctoberLOC MAT 4310€Payments rescheduled
OctoberVillari67€Payments paused for more than 120 days

I have little hope that I will get my money back on any of these loans. October is the only platform for which I had issues and this is why I will redirect my money to other platforms going forward.

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About Myself

Hey there! I'm Quentin and my thing is investing.
On this website, I'm sharing my investment journey. Join me in learning about investing and making smart financial moves!

Objectives

1. Building financial accountability

2. Secure passive income

Target: 12,500€ / mth
Strategy: Focus on dividend stocks, rental properties and crowdfunding projects.

Milestone:2025 = 300€ / mth
2030 = 1,000€ / mth
2035 = 2,000€ / mth
2040 = 4,000€ / mth
2045 = 7,500€ / mth
2050 = 12,500€ / mth

3. Grow capital to purchase a house

Target: 2,000,000€
Strategy: Focus on career development and stock market investments.

Milestone:2025 = 200,000€
2030 = 400,000€
2035 = 650,000€
2040 = 1,000,000€
2045 = 1,400,000€
2050 = 2,000,000€

Recent Posts

  • Long-term Portfolio – Q4 2024
  • Dividends Portfolio – Q2 2024
  • Crowdfunding – Q2 2024
  • Long-term Portfolio – Q2 2024
  • Crowdfunding – Q1 2024
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