Alternate Investment Portfolio Performance – February

Bond market Randomdimes

Alternate Investment Summary

Traditional markets found themselves under pressure this week as a flurry of central bank comments (most notably from the ECB and US Fed) about continuing to provide accommodative policy failed to curb the trend of rising longer-term bond yields. After all, low yields have been a key pillar supporting last year’s incredible stock market performance.

Last week saw the pace of these increases accelerate, and in risk-off market moves reminiscent of 2013’s Taper Tantrum when global stock markets and gold reacted with a sharp move downwards while the dollar appreciated
GameStop was again in the news as a notable exception to the stock market rout. This was despite pandemic headwinds continuing to ease — evidenced by encouraging US employment data and continued vaccine rollouts — and strong expectations for more fiscal stimulus globally.
US stimulus negotiations continued, with a vote on a revised bill being put to the House tonight (if passed it will head to the Senate for final passage).
The revised bill no longer stipulates contentious changes to minimum wages .In addition, Biden administration is desperately trying to ensure passage before 14 March when some of the provision from the emergency relief bill signed in December runs out. 

Fed actions in future will determine if this rally will sustain or there would be risk off and flight to safety!

Yellen Alternate Investment

My Alternate Investment Portfolio Performance

We have reached a stage in public markets where in one hand you feel you are missing all the gains while on the other hand you do not want to risk lot of capital at this valuation. The best approach is to have some allocation to equity but do not go overboard because your friend made 100% in some penny stocks!

Yield Generation Alternate Investment Platform Performance (Annualized).

Klubworks has been the new addition in my portfolio and is yielding 21.5% IRR !

iinterest income alternate investment

Capital Gain Alternate Investment Performance (Annualized)

alternate capital gain

February had again been a month of Altcoins. My total portfolio return have reached 800% for crypto in last 10 months. A lot has to be attributed to the enormous liquidity in the market plus some big names like Elon Musk joining the bandwagon.

I have not implemented my strategy on TradeTron yet but I have been running my Gamma Strategy manually and it has delivered 15% Return in the last 3 months. There are some similar strategies on TradeTron but needs to be backtested.

Revenue Based Financing – Klubworks

PlatformReturn
Klubworks22%

My first investment on Klubworks is on track. I would be soon investing in another deal once I develop more confidence on the platform. Here are few upcoming deals on the platform.

klubworks review

The good part about klub is that deals are of shorter nature (12 months). People should do some research about the brands before investing in them.

Through the link from this blog you can invest INR 2.5 lakh instead of INR 5 lakh as minimum amount.

Securitized Debt Investing – GrowFix

PlatformReturn
GrowFix10-11%

Growfix is launching Debt backed by Two Wheeler Loans. Unlike the Gold Loan product this is a monthly interest payment product.

In the next GrowFix Wheels Asset, the transaction size is 20 Cr. The net NPA is expected to be ₹ 20 Lacs(based on historical performance). To cover that they have additional loans of ₹ 4 Cr. ( About 20 times the expected NPA). The total loans as security are of ₹ 24 Cr. The value of the mortgaged vehicles is ₹ 33 Cr

GrowFix vehicle Loan

Alternate Investment Leasing- GripInvest

I Have now completed 7 months with no delay in cashflow. Infact most of the followers have had similar experience.

A new feature available on platform( you need to update me offline) is that if you invest INR 2.5 Lakh plus you can get tax exempted IRR of 20% +

PlatformReturn
Grip Invest 13%(Tax Free)

Vogo is an interesting deal as it is short term( you get 50% of capital back in 12 months) and the company is cash rich with growing revenue trajectory

Vogo GripInvest
Vogo Deal GripInvest

Alternate Investment TradeCred

I have been redeploying my capital on TradeCred as there are always sufficient deals to reinvest the matured amount. My net yield is close to 13% with zero delinquency. Have recently done a 3 year review of TradeCred

Current Deals on the Platform-Coca Cola

Tradecred Coca Cola

International Alternate Investment Portfolio

Last Month was good opportunity to invest in foreign platform as the USDT(Tether) was trading very close to USD spot level and it was very cheap to invest outside India. Infact the premium has recently gone up to 77 and transferred back some of my USDT for quick profit.

Some of the investment during Covid days on Crowdestor have been in delay hence I am being extra cautious and plan to not add any new capital there till things seem under control.

PlatformReturnCurrent NPA
Crowdestor16%3%
EstateGuru11%
PeerBerry 10.50%
Evostate 11%
Bulkestate12%
Lendermarket13%
RealT US High Yield Property11%Rental yield
Reinvest2411.5%Rent+capital gain

Reinvest24 properties

reinvest24

Equity/REIT Portfolio

US market has some of the most innovative companies something which India lacks. This year ARK Invest ETF performed exceptionally well which focussed on innovation based theme. Moreover ,betting on innovation and disruptive technology is definitely an area young people should focus on. Companies which can become next Amazon,Google etc

ARK Investment
ARK Investment performance

Alternate Investment and Altcoin Interest Account

Celsius Network  and Youholder are the top performer with yield close to 12%. Youholder has recently increased yield to 12.7% on USDT ! People can add extra bucks on this tether by shorting USD/INR futures (which trade at 3-4% premium) to gain extra yield on the Tether. After that, If future goes down it makes money, if it goes up you can sell USDT

PlatformReturn
Celsius Network 11.5%
BlockFi 8.6%
Youholder12.7%
Vauld11.6%

*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

Altcoin Price and Bitcoin Platform

My Altcoin Portfolio is again on fire. Thanks to the sudden crypto boom in the mainstream media and corporates alike

goldman sachscrypto
PlatformQuarter Return
Crypto Hedge Fund Iconomi190%
Crypto Hedge Fund Ember
Crypto Hedging Deribit24.00%
Bitcoin18%
iconomi performance

Alternate Investment in Gold –GoldFinX

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Goldfinx has struck few interesting mine deals. I hope next few months momentum picks up and the project takes off with increased gold production

Goldfinx Mine

Here is the complete article

https://www.newsbtc.com/press-releases/goldfinx-strikes-gold-near-yamoussoukro-the-capital-city-of-the-ivory-coast/

Corporate BondsGolden PI

Yields have started hardening and its unadvisable to buy long duration bonds and expose interest rate risk at this juncture. 1.5-2 years is the maximum maturity you should target

Goldenpi Vedanta

Alternate Investment P2P Lending India

I have started increasing my allocation to Rupeecircle as collection has improved and I feel RupeeCircle provides best risk adjusted return among all the P2P portfolio.

Current allocation:

  • Rupeecircle- 45%
  • I2IFunding- 30%
  • Finzy- 25%
PlatformLoans SelectedExpected YieldNPA  Expected
I2IFundingCooperative banks backed loans,E-Rickshaw backed loans,educationloan,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%
rupeecircle
Rupeecircle High Yield Loans
PlatformReturnNPA
I2IFunding14%4.7%
Rupee Circle15.9%4.90%
FINZY 14.00%3%
Faircent(Onlypool Loans/Education Credit Pool loans)11%2%
FinancePeer12.5%6%

Randomwalk

I dabble in Quantitative finance, Portfolio Construction and Derivative trading .Interested in exploring innovative financial products and trading strategies

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