May was a beautiful month, full of sunny and exciting days.โ˜€ I enjoyed the fruits of having a monthly passive income that has now reached close to 50% of what I need to support my monthly expenses.

What else has happened in May? I completed my 9-5 assignment in Myanmar in early May and switched back to working part-time remotely. I left Myanmar and traveled to Indonesia. ๐Ÿ‡ฎ๐Ÿ‡ฉ Among my most favorite places for remote work, healthy food, nature, and exercise for me is Ubud in Bali. I spent two weeks there, working from coffee shops and hotels, before flying through Germany to the US, where I write this post from.

It is through passive income that I support my traveling. It enables me to live in and work from the places I am most excited about.


Passive Income Overview – May 2019

Now, on to my passive income numbers for May 2019:

My total passive income in May:579.56 EUR


P2P Overview – May 2019

P2P Lending PlatformMay'19 Interest IncomeMay'19 XIRRTotal InvestmentCurrent Value
Mintos โ‚ฌ 269.3311.20%โ‚ฌ 29,000.00โ‚ฌ 33,111.09
Twino โ‚ฌ 0.813.20%โ‚ฌ 0
โ‚ฌ 303.54
Swaper โ‚ฌ 125.5912.97%โ‚ฌ 14,000.00โ‚ฌ 14,743.13
Grupeer โ‚ฌ 91.1611.95%โ‚ฌ 12,000.00โ‚ฌ 12,249.84
Crowdestate โ‚ฌ 14.778.86%โ‚ฌ 2,000.00โ‚ฌ 2,014.77
Estateguru โ‚ฌ 5.423.25% โ‚ฌ 2,000.00โ‚ฌ 2,015.42

Mintos: Amazing performance! It took the platform a few days to absorb the 4,000 EUR which I added, but that is fine. I adjusted my auto-investment portfolio to include platforms that recently joined Mintos (Rating A+, A, A-, B+, B). Mintos remains my favorite platform by far. 11.20 % XIRR in May.

Swaper: My second favorite platform. Plenty of loans available. Minimal cash-drag and a rocking 12.97 % (XIRR) performance.

Grupeer: I am seeing the perks of Grupeer. Hundreds of loans with buyback guarantee available with interest rates above 13 %. My self-calculated annualized return for May was 11.95 % (XIRR). I invested an additional 3,000 EUR in May, which was absorbed in 13 % interest loans with BuyBack Guarantee within minutes.

Twino: I left Twino earlier this year.


ETF Overview – May 2019 ๐Ÿฅณ

The MSCI World ETF made a small dip in May, which is not of any concern to me. Looking at the long-term performance, such small dips are an opportunity to double down and buy ETFs at a cheaper price. Overall, my ETF portfolio has gained 12.57 % in value since the beginning of the year (30.09 % since I first started investing in March 2016). For new investors, this is a good time to start invest using 4-cycle investment approach. I am planning to buy more ETFs over the coming weeks.

ETF Performance of my ETF Portfolio
Overview of my current ETF Portfolio.

Financial Transactions in May 2019

๐Ÿ”ฐ Overview of all my transactions.