
ARE YOU READY TO INVEST? LEARN MORE ABOUT THE INVESTING PLATFORMS I USE
My Investment Portfolio is diversified among several asset classes (equity, bond, and real estate, to name a few) through physical assets and Investment platforms. My approach of choice is long-term, passive income investing. I intentionally avoid trying to “beat the market“. I instead focus on the wealth pillars by systematically sweating my earning, saving and investment streams. Investments are not meant to be the first system to “make money”: it is more realistic to use them to grow money and wealth. As simply described in the Wealth Triangle model, investments are a wealth multiplier.
The Fintech revolution has democratised and improved Access to Financial and Investment Services. While I Invest using several P2P lending and Crowd Investing platform, the bulk of my portfolio is invested in the Capital Markets: the most significant and effective instruments for long-term wealth building available for the individual investor.
I use this list of complementary investment platforms to Sweat my Financial Assets. Two (Trine and Sun Exchange) focus on Social and Environmental Impact.
MY FAVOURITE INVESTING PLATFORMS
Peer to Peer Lending
Founded: 2014
HQ: Riga, Latvia
Total Invested: EUR 6.4 billion
Investors: 405,000
Target Countries: 29 countries
Products: business & consumer loans
Expected returns: 9 – 14%
Expected Social & Environmental Impact: n/a

Invested since: Jan-19
My annual returns: 9.5%
Peer to Peer Lending
Founded: 2007
HQ: Tallinn, Estonia
Total Invested: EUR 424 M
Investors: 162,000
Target Countries: 3 countries
Products: consumer loans
Expected returns: 6.5 – 18%
Expected Social & Environmental Impact: n/a

Invested since: Feb-19
My annual returns: 13%
Crowd Investing
Founded: 2013
HQ: Tallinn, Estonia
Total Invested: EUR 200 M
Investors: 50,000
Target Countries: 10 countries
Products: real estate equity investing
Expected returns: 11%
Expected Social & Environmental Impact: n/a

Invested since: Jun-19
My annual returns: 10%
Peer to Peer Lending
Founded: 2015
HQ: Goteborg, Sweden
Total Invested: EUR 45 M
Investors: 11,500
Target Countries: 6 countries
Products: solar business loans
Expected returns: 6.3 %
Expected Social & Environmental Impact: Yes

Invested since: Jan-20
My annual returns: 5%
P2P Solar Leasing Platform
Founded: 2015
HQ: Cape Town, South Africa
Total Invested: n/a
Investors: +10,000
Target Countries: 2 countries
Products: solar leasing
Expected returns: 7-10%
Expected Social & Environmental Impact: Yes

Invested since: Jan-20
My annual returns: 5%
Bank & Investment broker
Founded: 2013
HQ: Amsterdam, Netherlands
Total Invested: n/a
Investors: 450,000
Target Countries: global market
Products: capital markets
Expected returns: n/a
Expected Social & Environmental Impact: n/a

Invested since: Feb-19