Since I have some money saved, I've always tried to get better return rates than those offered by banks, which today is virtually nothing. Over the years, I've explored bank deposits, investment funds (fixed, variable or mixed), stocks, real estate ... Some investments have resulted better than others. Gradually I've learned what suits best my investor profile.
In recent times, I guess like most of you, I started to hear more and more often about new concept: "financial freedom" (Financial Freedom), "Early retirement" (early retirement?). Without being particularly innovative ideas, (basically "retire early and live off the income"), I realized that perfectly reflected my vision of how I see my future. It will be obvious, but basically, my goal is to reach that Financial Freedom as soon as possible so you can live where you want, when working in a timely manner and what I feel like, and invest the shortest possible time in managing my finances. A couple of years ago I decided to get to it seriously, and over time I have been developing and perfecting my strategy that can be summed up in saving and investing all saved diversifying as much as possible.
In 2016, I began to become hugely attract by the emerging investment platforms, alternative to traditional finance. With on-line platforms popping up like mushrooms all over Europe, where to start? During the first months I focused my efforts on learning more about their functioning and risks, and started to experiment with them, making small investments. Of all the new fintech tools, the participative investment platforms were particularly attractive for their ability to generate really attractive and stable returns over time, stemming from a truly innovative concept. Crowdlending and crowdfunding platforms have democratized the world of investments, putting them within the reach of anyone, sometimes from only 5 or 10 Euro. I focused on them and spent hours and hours exploring each platform, reading blogs and opinion pages... After a long thinking process, I chose a few, expanding over time to additional platforms, in general with quite satisfactory results. At this point, I think the time has come for me to share everything I have learned, both my mistakes and my successes.
I think that is the strength of my blog. I do not limit myself to describe platforms doing a cut-and-paste of what they present in their pages. My purpose is to describe my experience investing real money in each of them, with its pros and cons, how they operate, errors to avoid, my strategy... Most importantly, I present the return rates I obtained each month (not those advertised by the platform): real data so that everyone can draw their own conclusions. I hope it is useful.
My intention is that my experience will serve other future investors. Obviously, in the process, I would like to obtain some profitability from my blog. If you find it useful, I would appreciate if, when opening an account with any of these platforms, you do it through the links and promotional codes. You might receive a bonus for using them and, in some cases, I'll get a small commission (at no cost to you) to help me sustain and update the blog. It is a win-win situation.