Enjoying my new SUP paddleboard in Tempe, Arizona, in April 2021

Here is my May 2021 Passive Income Update. April was a wonderful month. I got fully vaccinated and was able to really enjoy the spring weather. I bought myself an inflatable SUP paddleboard for my birthday, and it’s so fun!

While I was busy enjoying the spring weather and paddling on my new SUP, I earned 837,40 EUR (1,006.68 USD) in passive income in April:
– P2P lending: 536.72 EUR
– Real Estate Lending: 116.19 EUR
– ETF Dividends: 66.79 EUR
– Stock Photos/Videos: 117.70 EUR

Total Passive Income from P2P Lending, P2P Real Estate Lending, ETF Dividends and Stock Video Sales.

Hiking in El Paso, Texas. April 2021.

Passive Income Breakdown:


March 2021 P2P-Lending Interest Rates

P2P & Real Estate Lending Overview – May 2021 Passive Income Update

As part of my May 2021 passive income update, here is a quick overview of passive income streams from three (3) P2P Lending and one (1) Real-Estate P2P Lending platform that I am currently investing in.


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Mintos: The 32,100 EUR that I invested on Mintos gradually over the five past years, have since grown to 44,815.77 EUR. While some loan originators are struggling (= about 2,351 EUR of my portfolio is currently “in recovery”), I am more than happy with the performance of Mintos.

I am auto-invested in loans from 23 loan originators (all with ratings 7 and 8) in 19 countries. Certain loans are up to 60 days delayed (especially now during COVID-19), but all loans have a buyback guarantee which is working well.

My auto-invest portfolio is investing in loans with ratings 7 and 8. I adjusted my auto-invest portfolio settings to include all new loan originators with ratings 7 and 8, and selected “set equal” under diversification settings. As a result, my interest income on Mintos in April was 412.76 EUR (=self-calculated interest rate of 11.15% p.a.).

My Mintos Dashboard in May 2021

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Twino: Another great month for Twino! My total investment on Twino is 13.500 EUR and my monthly interest on the platform in April was 123.96 EUR (= 9.87% p.a.). The average loan duration of my loans on Twino is currently 3.84 months. All loans are with a Buyback and Payment guarantee.

I am very happy with Twino and I am planning to increase my investment on the platform over the coming months.

What else? TWINO has launched a referral program. New investors who sign up with this link (https://financialfreedomjourney.eu/Twino) and invest at least 100 EUR, will get a 15 EUR bonus (as well as I receive a 15 EUR bonus).

My Twino Dashboard May 2021
My Twino Dashboard in May 2021

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EstateGuru: Besides Mintos and Twino, EstateGuru is another key investment pillar and passive income stream of mine. After I added +7,000 EUR to EstateGuru in early March, my total investments on EstateGuru are 23,000 EUR which are invested in 65 real estate projects in Estonia, Finland, Lithuania, Latvia, Germany, Sweden, and Spain. 🥳.

My average interest rate on EstateGuru is 10.61% p.a..For me EstateGuru is a great platform to diversify my risk by investing in real estate loans that are secured with a first-rank mortgage (physical security). Since my first investment on EstateGuru in 2019, 33 projects have successfully been repaid. 10 loans are currently slightly behind schedule (4-138 days late).

As I mentioned in previous posts, almost all my loans on EstateGuru are either bullet or full bullet loans, which means that either principals or both interest+principals are being paid in full at the end of the loan period. Unfortunately, that means that some months I receive large interest and principal payments, some months I receive nothing. This past month (April 2021), I received 116.19 EUR in interest payments.

What else? My EstateGuru review explains details as well as shows how to receive a 0.5% bonus as a new investor in the first three months. EstateGuru currently has some new loans available (11.5% p.a. & 12.00% p.a.).

My EstateGuru Dashboard in May 2021
My EstateGuru Dashboard in May 2021

Venice Beach, Los Angeles, in April 2021.

Exchange-Traded Funds (ETF) Update – May 2021 🥳

Even in times of COVID-19, I hold onto my opinion that investing in the MSCI World ETF back is one of the best and most cost-effective ways to save & invest long-term (e.g. for retirement) while earning passive income from dividends.

Since I started investing in the MSCI World ETF in 2016, the value of the ETF has increased by 72.67% (and this despite coronavirus-related shock in stock markets last year). The shares that I bought originally for 145.09 EUR apiece are currently valued at 244.26 EUR. Read more in my ETF portfolio post.

As of today, I am holding 108,917.24 EUR in MSCI World and MSCI Emerging Market ETFs. The value of my ETF portfolio increased by 1.64% in April 2021 (just in one month!).

My ETF Portfolio since beginning of this year (c) justetf.com

My 1,000 EUR monthly ETF savings plan

I started an automated monthly 1,000 EUR ETF MSCI World savings plan in January 2020. It’s fully automated, runs in the background, and keeps buying MSCI World ETFs worth 1,000 EUR on the first of every month. It’s a fantastic way of cost-averaging and keeps me committed to my financial savings goals. Thanks to my savings plan, since I started it, I have saved 16,000 EUR. 🥳

More about my ETF savings plan and why it was such a great idea to go back to an automated saving plan in this blog post.


My birthday gift this year was an inflatable SUP paddleboard. It’s so much fun! Here in El Paso, Texas in April 2021.

That’s it for my May 2021 Passive Income Update! If you are interested in more frequent updates, please follow my journey on my Facebook page at Financial Freedom Journey.

And as always: If you have any questions or comments, please pop them in the comment section below. Or get in touch via Facebook or Email.

Stay healthy and enjoy the rest of May!
Peter 👋