As an investor I think diversification is one of the best ways to build up your wealth. Most of us are not able to follow markets and company news 24/7 and thus should spread out our investments so we won’t get burned by the markets. I’m mainly invested in the stock market through a few individual stocks and ETF’s. Further than that I’ve tried my hand at different kinds of crowdfunding.
Sharing solar panels is what it comes down to, through crowdfunding you have the opportunity to invest in solar panels on the roof of a family, business or even sport stadiums.
So far I’ve invested €250 x2, one project which is on the roof of a senior housing facility and the other one is in an open field in Groningen (The Netherlands) which contains over 3.500 solar panels. Both projects last for 16 years, and the yield is in relation to the amount of energy the panels create from ‘sun-time’.
These investments have been made at the end of 2016 and I opted to not invest any more as these investments have to prove themselves first.
Expected yield: 3,3%
Current profit: €6,62
Current allocation: 2%
CrowdEstate is a crowdfunding platform for real estate (I know, shocking right?) I figured I wanted some exposure to real estate and this was currently the easiest way to do it. I have invested €500 in one project which focuses on two apartments in Wilhelmstad Germany, this project lasts for 5 years and pays interest quarterly.
Expected yield: 6%
Current profit: €18,65
Current allocation: 2%
This crowdfunding platform is all about local small businesses. They ask for a loan and they will get checked and graded. Investors can see their fundamentals and decide if they want to loan them money.
In my view this is quite a bit more risky than DGI, luckily the reward is quite a bit higher aswell! Projects yielding between 5-15% are common and offer a lot of diversity, I consider this part of my portfolio the most risky.
I never invest more than €100 into one single project, currently I have 15 active projects and my active money in my FundingCircle account is at €799,64
Expected yield: 6,11%-15,58%
Current profit: €176,38
Current allocation: 3%
All the income I receive from my investments is kept track of with the Excel sheet below.
Updated 30th of September.