My Bondora portfolio (2015, July)

Summer keeps ticking on, and sadly I can already see shops selling notebooks and pens, which is the first sign that holidays will soon be over. My Bondora portfolio is being just about as sunny as the current weather, but there is some growth, even though I’m not adding in much money currently.

Checkpoints

julyinvestments

A bit before the end of the month, my Bondora portfolio actually climbed over 6000€ in terms of outstanding principal and the total lifetime interest earned also managed to make the leap to over 1500€. Starting to make predictions for the end of the year, it looks like a realistic goal might be 8000€ for portfolio value and 2000€ something total (1300€ for 2015) in terms of interest earned, which isn’t bad overall and might put me onto the path of earning 2K in interest next year, which is something that I wouldn’t’ve been able to imagine last year :)

Interest earned

julyinterestearned

My interest earned graph keeps kinda bouncing back and forth, but the month once again ended up just a bit above one hundred euros (101,67€ to be precise). My original plan for the year was so push monthly interest earned up to 150€ per month, but since I’ve cut down in investments then seems like an optimistic goal might be 120€, depending on how I manage. Free money is going into paying back apartment related loans, and my salary for autumn is still unsure, so changes might happen.

Recovery

julyrecovery

As always, recovery seems to be going slowly, but this month actually added a 4th loan that’s been fully recovered. I manually looked over a part of my portfolio, especially the loans that are more than 6 months old and I’d say about 70% of the defaulted loans are paying something. They’re of course quite slow in terms of paying back, but they are on the path to breaking even at least, which is already a good result for recovery. Loans going bankrupt however, isn’t slowing down speed, so even the IRR that Bondora is showing me has started to drop since I’m not adding in so much money any more.