Wish you all a very Happy New Year!
2022 was not the best year for most of the asset classes. Cryptocurrency and VC funds were the worst-performing assets in 2022 with a steep fall in valuation. Indian equities bucked the trend and have been an outlier this year, with the benchmark indices Nifty delivering positive returns, compared to a double-digit decline of its counterparts in many global markets. This was despite a very unfavorable macroeconomic environment with high inflation, rising interest rates, currency swings, and geopolitical uncertainties.
For the Alternative Investments, the ride was smoother as this year most of my investment performance was as per expectations. We added a few platforms and opted out of a few which seemed risky. Trading strategies had some great months (both directional and Volatility strategies)
Alternative Investment Portfolio Performance
For most of December, I have added invoice discounting and Leasing deals and focussed on short-term deals while adding some unlisted shares. Have been adding some US and China Equity also. We are also focused on scaling up our trading portfolio by increasing allocation to a few more strategies. There is a new 2-year opportunity on Myre
|Growpital||14.5%(Tax-Free)||Blended Yield across Plans|
|Leafround||18%||New (8 Payments)|
- Growpital has been doing well currently.
- All my cash flows in Klubworks, WintWealth, Pyse, Leafround, and GripInvest are as per schedule.
- Added 3 invoice discounting deals on Jiraaf.
- Invested in1 more Leasing deals on Gripinvest at 22% PreTax and 1 Dunzo Laptop Deal on Leafround
Invoice Discounting and Pooled Loans
|Liquiloans (Liquid Fund Substitute)||9-10%||0%|
|Lendbox (Per Annum +Settlement Finance)||11.50%||0%|
- Lendbox settlement finance returns and Per Annum returns are as per expectations.
- Using Liquiloans to park short term capital
- Have done a Dunzo Deal on Kredx this month
2022 was a nightmare year for crypto with multiple frauds, crashes, and overall pessimism. It seems that crypto winter will last for a good part of 2023 too! Historically best years of crypto came after such long winter and for long-term investors, these are attractive levels. However, the bigger risk right now is some crypto exchanges going bust. Having a cold wallet can be the best decision now( Post coming soon)
I am adding a small exposure to Iconomi and Binance and will move the rest to cold wallets
|Crypto Hedge Fund Iconomi||-15%|
|Crypto Hedge Fund Ember||–|
|Crypto Hedging Deribit||8%|
- India P2P – 45%
- 12Club – 5%
- I2IFunding- 30%
- Faircent Pool Loan -5%
|I2IFunding||Urban Clap Loans, education loans, Group loans||13.5%||4.75%|
|IndiaP2P||Only Women Borrower Loans, Branch-based p2p lending||17%||<1%|
|FINZY||Prime Borrowers, High Salary,A category||14.2%||3.5%|
|12 Club||Only Minimum amount||12%||0%|
- IndiaP2P performance has been consistent for more than 6 months now. I have added capital in the aggressive plan only
- Have been investing in Urban Clap Loans on I2IFunding but volumes have been low
- The systematic investment plan loan on Faircent ( Only SIP Loan) is doing well
International Real Estate and P2P
|Lofty (Tokenized Real Estate)||13%||New|
|Evostate (Aggregator Platform)||12%|
|RealT US High Yield Property(crypto-based)||11%||Rental yield|
- With the current crisis going on in Europe I feel it’s best to not increase allocation to Europe-based platforms.New Investment Paused
A few PreIPO stocks are popular in the unlisted market. NSE is on top of my buy list but the allocation process is really long
I will be adding a few sector-based ETFs – IT and Pharma and a small amount in Small Cap in the Indian Market while keep adding to Nasdaq for every 3% dip from the current level.
Other Alternative Investment Assets and Platform Updates
Growpital Investment – Growpital has been making good progress. If the performance stays consistent I will add more capital in 2023.
Sustvest Investment – Have invested in the latest Lodha opportunity on Sustvest. The payout has been consistent till now for my other investment.
Fractional Real Estate Update- My investment in MYRE Capital Vaishnav Park has been performing as expected. I have received 10 cashflows on time. People who are interested in a lower minimum (INR 1 lakh) can invest in Real Estate on Grip Invest(you need to invest INR 25 lakh over 5 years ). The current Lease rental opportunity looks interesting for people who want monthly income
|Platform||Returns||Payment Received on time|