Portfolio Analysis September 2020

US election 2020: A really simple guide - BBC News

Market Outlook : There have been some signs of revival of the broad economy but it would be naive to expect that we are out of the woods complete. Situation is precarious in many sectors like Hospitality,Travel NBFC ,which can cause a sudden collapse if the current strain is not ameliorated soon.

GST collection
GST Collection

Global Markets can be volatile in the next few months as elections are round the corner while market is still trying to assess the covid recovery path.One thing is for sure interest rate will be subdued even though retail inflation continues to grow and most conventional assets apart from equity will have very low yield.

The So Wealth Management Group - How will the 2020 U.S. Presidential  Election Impact the Markets?
Republican vs Democratic Return

Yield Generation Platform Performance (Annualized)

My performance across all yield generation assets have now stabilized in the range of 8.5%-15%. Among all the assets Youholder in liquid account and Crowdestor  in International Investment have performed the best

yield

Cryptocurrency portfolio has lost some of the acceleration as it’s waiting for dollar to crack but the performance has been supported by a crazy rally in “Yearn Finance” Token.

capital market
Quarter Performance

International Investment Porfolio

My International investment portfolio has been given me very stable return with Zero NPA as yet.

PlatformReturnCurrent NPA
Crowdestor18%
EstateGuru11%
PeerBerry 10.50%
Evostate 11%
Bulkestate12%
Lendermarket13%

Crowdestor has been the best in terms of yield while EstateGuru has the safest business model

crowdestor
Crowdestor

Average yield on Crowdestor is between 20-25%

estateguru
Estateguru

Equity/REIT Portfolio

Stock Investors “Don’t Fight the Fed”

In some ways, market gains from late March through September are surprisingly rational. There’s an old adage in investing: “Don’t fight the Fed.” This means that when interest rates are falling and central banks are loosening monetary conditions, some of that money will make its way into the stock market and push up prices. That’s a rational response, because looser monetary conditions should stimulate economic activity, which in turn should boost corporate profitability, justifying higher share prices.

But where has all this enormous stimulus gone? Not into capital investment, with the exception of some work-from-home beneficiaries – such as Amazon.com – and government healthcare expenditure. Instead, much has gone into increased saving, some of which has made it into the stock market.

In addition to monetary stimulus by central banks, governments have also been providing unprecedented fiscal stimulus (Display). So, perhaps the new adage should be, “Don’t fight the Fed and the Treasury.”

The question however remains open : Is this gonna last forever or are we

playing a russian roulette? It’s best to not get excited with the stock bubble and keep spare dry powder to invest if an opportunity arise in future

Crypto Interest Account

Celsius Network  and Youholder are the top performer with yield close to 12%.More details in the below post

PlatformReturn
Celsius Network 11.55%
BlockFi 8.6%
Youholder12.00%
BankofHodler11.6%

*for new users who want to buy crypto and transfer to other platforms I recommend using DCX discount link( as Wazirx has increased the withdrawal fees.

*Existing users who have binance linked to Wazirx Can transfer to binance for withdrawal at nominal fees

Crypto Investment Platform

My portfolio in Iconomi has done well thanks to the performance of “Yearn Finance” Token.

yearn finance
Yearn Finance Performance

Yearn went up 40X in 3 months !!!. It means that if you just had 1% of the token in the portfolio and rest in cash you would have made 40% Return!! This is the power of crypto!

iconomi fund

Any significant correction can be used to add more in the fund.

PlatformQuarter Return
Crypto Hedge Fund Iconomi76%
Crypto Hedge Fund Ember
Crypto Hedging Deribit47.00%

My Crypto hedge has been extremely profitable and gradually I will scale up on the amount .Due to the range bound movement of Bitcoin I have been able to earn premium on my calls and puts

GoldFinX

Some good news for the Coin Holders

GIX Coins will be on exchange #3 in the next couple of weeks. This means more liquidity for the GiX coin holder.

 The name of the exchange is Bitmart. And thanks to them, this time there will be easy access for all GiX coin holders from the Asia Pacific region. Not only that but subscribers from all over the world will be pleasantly surprised by the site’s user experience and speed.  

Gold corrected a bit in the last month after having a great rally in last 3-4 months

Gix

Interestingly GIX has maintained it’s value over the same period. Now if the gold continues its upward trajectory the coin is definitely going to cross 3 which will be close to 40% from my purchase cost.

gix coin

The project will be instrumental to stop the use of toxic material like Mercury and Arsenic. This change alone will clean up the environment as nothing else will!

TradeCred

I have now completed more than 2 years on this platform and I have been very pleased with performance. My net yield is close to 13% with zero delinquency

Some Interesting Invoices this month: Delhivery at 12% for 82 days is a decent return

tradecred

The best way is to invest in companies for which you can find out information online. Invest in vendor which are not new on the platform.

Corporate BondsGolden PI

Safest bonds like HDFC and SBI are trading around 5% hence are not very attractive at the moment though there some opportunity in short bonds with slightly higher risk. Shri Ram Housing Finance Bond for 1 year paying monthly coupon is a good option with yield over 9%

SRTF bond

Another Tactical call can be vedanta for 9 months close to 10% yield

vedanta bond

A detailed study of the rating rationale documents of rating agency would be a good place to find out the credit worthiness of the issuer

P2P Lending India

The repayment has started trickling in for most of my P2P platform. I expect things to improve further in the next couple of months. For the time being I am redeploying money in the following category:

PlatformLoans SelectedExpected YieldNPA  Expected
I2IFundingE-Rickshaw backed loans,education loan,NBFC backed loans etc’,group loans20%3%
Rupee CircleSmall business/salariedloans to people with own house and low EMI to Earning Ration25-30%5%
FINZY Prime Borrowers,High Salary ,A category12%1%
Faircent(Onlypool Loans/Education loans)credit pool loan12%1%
i2ifunding
erickshaw loans
PlatformReturnNPA
I2IFunding14%5%
Rupee Circle16%4.80%
FINZY 14.00%3%
Faircent(Onlypool Loans/Education Credit Pool loans)12%1%
FinancePeer13%5%

Equipment Lease Investing:GripInvest

My first investment on GripInvest has been performing good with no delay in cashflow till date. If the performance stays consistent I will be adding more assets to my portfolio

PlatformReturn
GRIP Invest12%(post tax)
Grip Invest

Clairco is another interesting deal on platform with post tax IRR of 16%+

Clairco
gripinvest

Other Investment

I invested in my first legal finance deal on AxiaFunder. The platform is so popular that the deal got subscribed in 2 hours . I expect an ROI of 25%+ here.

I have invested in 3 projects on Seedrs. These type of investments need 1-2 year to see returns.Expected

Randomwalk

I dabble in Quantitative finance,Analytics P2P investing,Derivative trading and Product development.My goal is to help people create low cost optimized portfolio .

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