How To Track Your Peer to Peer Lending Investments with Portfolio Performance

My Investments in P2P Lending:

My Favorite Brokers (ETFs & Stocks):

Please pay attention regarding Grupeer and Monethera!

Today you'll find out how you can easily track the performance of your investments and see the actual internal rate of return on your money - so you don’t have to rely on the return percentages you see when logging in to your accounts, as those can differ quite a bit from your own calculations. One reason for that, is that they don’t take potential cash drag into account, meaning money that is sitting in your account waiting to be invested.

But if you’re anything like me, chances are you want to know the actual returns you’re getting on your investment, to identify the peer to peer lending platforms that are really worth your time and money.

To do that, I’ve been using a free open-source software called Portfolio Performance, which is available for all operating systems. Don’t be surprised by the German website, the software is in English once you download it and I added a separate Google translate link as well.

Once you’re done downloading and installing Portfolio Performance, here is what you need to do to set it up.

- Set up the Portfolio
- Add accounts
- Add your deposits and withdrawals with their respective dates
- Now the easiest way to track, in my opinion, is to set a specific time each month where you compare your current balance on a platform to the month before and add the difference as interest. This shouldn’t take more than a couple of minutes of your time.
If you have very little time that day, you can also quickly login to your accounts, take a screenshot and add the numbers later.
- Now, if you have existing accounts, which is likely the case for most of you - of course it’s going to take you a little while to set up everything. But it’s still going to be way less effort than using let’s say Excel to track everything.
- For the exact dates of your deposits and withdrawals, you can either get that information by doing a platform search within your own e-mails or get the information on the platforms themselves, together with the payments you received.
- Mintos: choose a month, add up interest etc. (also on buyback, bonuses, late fees as interest) and add deposits/withdrawals on their date (click to see).
- Envestio: click on statistics, enter the dates and download an income statement for each month
It's up to you if you also add interest and bonuses you received as interest, I do.
- Iuvo Group: same here, click on account statement, enter date and add everything
- Grupeer: overview - income statement for each month + search for deposits and withdrawals in your e-mails

After setting everything up successfully, you'll be able to easily calculate the internal rate of return of your investments in Portfolio Performance.
In addition, the free software offers a lot of nice features like a graph and overview of all your investments, where you can see your percentage allocation to each p2p platform, shows you your earnings per month, quarter, year, your progression etc...

That's it guys!

#portfolio #p2p #mintos

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Disclaimer: I am only sharing my own experience. I'm not a financial advisor and you should always do your own research and due diligence before investing.

[AngeloColomboFi]

How are you tracking your investments? :)

[jorisvanh.]

Hi Angelo, we have had some mail contact and you showed me this video. This stuff is great. I have been building this monstrous Excel file to keep track of p2p and stock, which was hard to maintain on a weekly basis. This pieces software you have just explained very cleary is certainly something i'm diving into this weekend. Many thanks and keep up the good work!

[pedromendessilva]

Thank you for sharing this!
Really usefull this software. I already inserted all my P2P platofrms :)

Can you please do another video explain other functionalities of the software as insert your stock and ETFs?
Thanks again :)

[barrelroller]

I have performed a huge research of portfolio managing software and services (such as Mint, Personal capital, Quicken, CountAbout, Portfolio Visualizer and Sharesight) and have found the Portfolio Performance as a most convenient and useful for me. It's a really great OpenSource that constantly improve its functionality.
Hopefully, they will add the dividends automation and a better support for bond's coupons later. Otherwise, feel free to make a pull request yourself 😅
Thumbs up for video 👍

[Panondras]

This literary saved my ass! Thanks a lot. Also if you select a period since a certain date then you don't have to change the date every time because it will show your IRR at the current day.

[tedjlegrand]

Very nice, I was looking for this kind of software for a while !
But how could we do that with the crypto or ETFs ?
I'd like to compare the performance of my investments and regroup all my crypto and regroup all my p2p investments for example and compare it

[FreeFinancialSelf]

Subscribed Angelo, thank you for teaching me something new!

[Not-a-Cockroach]

This portfolio program video, shall be more popular. Also Now I watch it and I had forgotten Groupeer and Envevstio existed. I wonder if Mintos will get the money in Recovery first or the courts will deals with those two platforms. Probably none. Time will show.

[MrWARRIORMONKS]

Love your videos mate, going back through the old ones and learning a lot. :)

[traleyton]

Well presented-Great Tutorial. A tutorial on how to set up portfolio performance for funds and stocks be appreciated. Currently there is very little in English.

[manelcamposcosta]

Hi! awesome information! Can you use it also for etfs and real estate? Basically to track all of my investments?

[berniekofler]

thx 4 great info and easy to understand! Quick Tipp from my side Your White balance in your camera is incorrect. Your Image is blue

[angueldaskalov]

Another great example and advice!
Thank you Angelo!
I really appreciate your reviews.

[Airalf]

Very interesting but i notice that all information has to be put manually.
Noone is thinking to develop some API or HTML sniffer to get all those data automatically? Does the platform has the possibility to install external extension? maybe someone could write some pieces of code and make the magic :)

[ZanasRadzys]

What would be the easiest way to start if you've been in p2p for 5 years? Maybe just to pick a month write a current amount and add up interest next month..? So that I don't have to go back 5 years and add up all the data.

[clauswobbe]

Super nice video! Great job. Very instructive. And it's so great you actually reveal the size of your actual investment on these platforms. It really adds to the credability and I think it's a nice trustworthy tough :-) your actual
One question: so, you add interest (as the sum of the varius income) once a month. This is probably the most manageble way of doing it, but it has the downside of giving you a not quite correct XIRR (internal rate of returns). Did you calaulate or estimate "how incorrect" the figure is from the true figure you'd get if you enter evry single interest payment you receive every day?

[miguelpragosa]

Hi Angelo. Do you use PortfolioPerformance also for tracking Crypto lending?

[niamhlynch]

Great video - thanks. About how long do you spend on this each month/week/whatever?

[NiNeGaming]

You add the bonuses on the interest or the deposits? Because if I add it as interest, it messes up my IRR, as much higher.

[gabrielmorimsilva]

Thanks Angelo. My weekend will be busy now...