Reviews, experiences &amp; updates from real life

Indemo Update October 2026: Almost €7,000 Invested, Up to 4.5% Cashback & the Secondary Market Is Coming

My Indemo update for October: I have €6,895.95 invested and the indicative value of my portfolio is €7,533.07 (+9.24%). I show you the October cashback promotion with up to 4% (up to 4.5% for new customers through my link), my four sold assets with an actual return of 18.41%, how Indemo works, how far my 83 assets have moved through the stages – and why I will top up to €10,000 once the secondary market is live. And honestly: the indicative value is not a realised gain, and nothing here is guaranteed.

October 17, 2026

Esketit Update October 2026: €2,424 Invested, All 60 Loans on Time & the Auto-Invest Is Running Again

My Esketit update for October: my account stands at €2,424.01, fully invested in 60 loans – and all of them are on time. I show you the current platform statistics (over €1bn funded, €46.8m outstanding portfolio, 1.25% of Nimbura loans slightly late), my €121.01 of income, my portfolio of short-term loans, my auto-invest settings, the primary market and the 0.5% cashback through my link. And honestly: Esketit is not regulated – which is why €5,000 is my limit.

October 16, 2026

Loanch Update October 2026: €4,321 in My Account, 14.5% Interest & Why Auto-Invest Is a Must

My Loanch update for October: my account stands at €4,321.86, of which €174.15 is profit and €37.71 rewards. I show you my portfolio of short-term Tambadana loans at 14.5%, my exact auto-invest settings, which bonus still runs after the Early Bird promotion (€20 new-customer bonus and 1% cashback – with all the conditions), how far I am from the Bronze tier and why I stop at €5,000. Plus the honest part: no regulation, no secondary market and the payment disruption in spring.

October 15, 2026

Lendermarket Update October 2026: €8,169 in My Account, 1.5% Cashback & How I Invest via Auto Invest FLEX

My Lendermarket update for October: I have added another €2,000 and passed the €8,000 mark – account value €8,168.99, average interest rate 12.29%. I show you the current platform statistics (€694.4m invested, €62.4m active portfolio, default rate of 0.00% according to Lendermarket), my €168.49 of income, my late loans and my four portfolios in Auto Invest FLEX – including the 3.5% fee for an early exit. Plus: 1.5% cashback for new customers through my link, and why €10,000 is where I stop.

October 14, 2026

Maclear Update October 2026: Almost €5,000 Invested, Over €60 Interest a Month & Bargains on the Secondary Market

My Maclear update for October: my account stands at €4,994.69, the average rate is 15.50% and €64.30 of interest is expected for October. I show you the current platform statistics (€119.5m in deposits, 56,325 investors), why I am currently €19 short of the 1.5% loyalty bonus, when my loans come back, the nine open projects on the primary market and the secondary market with discounts of up to 3% – plus the 3% cashback through my link. And the honest part: Maclear has no EU licence, is still young and not yet profitable.

October 13, 2026

Hive5 Update October 2026: €3,537 Invested, 13.31% Return & the Secondary Market Is Finally Here

My Hive5 update for October: my account stands at €3,537.11, of which €235.11 is profit, the net annual return is 13.31% and all 77 loans are on time. The big news: Hive5 has finally launched a secondary market. I show you how it works and which rules apply, my portfolio of short-term loans, my Auto Invest settings, the 1% cashback through my link, where to find your interest for your tax return – and why I stop at €5,000. Plus the honest part: Hive5 is not regulated, and a sale on the secondary market is not guaranteed.

October 12, 2026

Digilo Update October 2026: €1,500 Invested, Three Open Projects & €45 Cashback Withdrawn

My Digilo update for October: I added €500 and am now invested with €1,500 in two property-backed projects (9.33% average interest). I show you the current platform numbers (€108,945.77 funded, 5 projects, 228 investors), the three open projects with LTV and risk category, my wallet with €45 of cashback withdrawn, the conditions behind the 3% cashback through my link – and my plan: €500 per month up to €5,000. Plus the honest part: a young platform, no repayments yet, no deposit insurance.

October 10, 2026

Viainvest Update October 2026: €1,760 Invested, €90 Interest & a New Loan Originator From Lithuania

My latest Viainvest update: €1,760 invested, €90.07 in interest since January 2026, 32 securities at 9–13% – and not a single pending repayment so far. Plus the big news: with ECOCREDIT.lt, a loan originator from Lithuania is set to join the platform. I show you my account in detail, what's known about ECOCREDIT.lt so far, how taxes work and how to get 0.5% cashback.

October 09, 2026

Charity Portfolio Update October 2026: Main Street Capital Is In – a Dividend Every Month from Now On

You decided: Main Street Capital is the third purchase in the community charity portfolio. That makes three positions, a portfolio value of €3,288.50 – and for the first time a dividend arrives every single month. Plus: the first dividend from McDonald's, the outlook of €209.04 for 2027, when the first donation happens and how to suggest the next stock.

October 08, 2026

Revest Update October 2026: €1,559 in My Account, Up to 6% Cashback & My First Two Late Loans

My Revest update for October: I have added another €250 and now have more than €1,500 invested – account value €1,559.01. I show you the current platform statistics (€13.38m of acquired claims, 824 users), the new cashback campaign with up to 6% and the choice between Instant and Flexible, my portfolio settings with short-term loans, my sales on the secondary market – and my first two late loans, where the buyback is now running. And honestly: Revest is not regulated – which is why €5,000 is my limit.

October 07, 2026

TWINO Update October 2026: €3,648 in FLEXI, €36 Interest & up to 2% Cashback

My latest TWINO update: €3,648 invested – 100% in FLEXI at a fixed 6% – €36.09 in interest so far and more than €500 added every month. I'll show you my account in detail, why real 12-month securities sit behind FLEXI, what the manual securities pay at 10–12%, how the cashback promotion with up to 2% for new investors works, and the two FLEXI rules you should know.

October 06, 2026

€735 in Dividends in September: An Update on My €270,000 Stock Portfolio

A transparent dividend update for September 2026: €734.85 from 13 payouts, the first distribution from my new world ETF, my strongest dividend payers and the forecast through 2027 – plus an honest look at why my return has just slipped to 5.17%. Live from my Parqet dashboard.

October 05, 2026

€10,000 at Debitum: My Update – and Why I'm Now Moving Into Debitum Flow

Debitum is one of my biggest P2P platforms: €10,000 invested, 10.65% XIRR and solid interest every month. In this update I show you my account in detail, my interest month by month, how Debitum Flow works with 8% and daily payouts – and why I'm gradually shifting out of the long-term notes into liquid Flow. Plus: 1% cashback via my link.

October 04, 2026

€108,205 in P2P Loans: My Portfolio Update October 2026

My P2P portfolio keeps growing: €108,205 across 27 platforms, €844.05 in interest in September and a 13.82% return. I show every position openly, the two new additions Digilo and Lonvest, the status on Ventus Energy – and why I still want to bring the P2P share down toward 10% and invest through a holding from January.

October 03, 2026

Go & Grow Giveaway: Last Chance in October 2026 (€100 + Doubling)

Only a few days left: three Go & Grow (formerly Bondora) promotions are ending at once. Two people from my community each get a guaranteed €100, new customers receive a €5 starting bonus, and the 'Double or Nothing' giveaway can double your deposit by up to €5,000. Here are the three key deadlines (12, 13 and 15 October), the conditions, and what to watch out for now.

October 02, 2026

€501,529 Net Worth: My Portfolio Update for October 2026

A transparent net worth update for October 2026: my portfolio cracks the half-million mark and stands at €501,529 – up 4.58% on the previous month and 62.70% since the start of the year. All seven asset classes, from stocks and P2P to crypto, in detail – including my full stock list and target allocation.

October 01, 2026

Parqet Terminal Review 2026: The New Stock Research Tool in Detail

Parqet has launched Terminal, a standalone research tool for stock analysis. In my review I walk through every feature – the screener with AI search, the stock detail pages, watchlists and portfolio import – plus pricing, the waitlist, who it's for and how it stacks up against expensive analysis terminals. With real screenshots from the tool.

September 30, 2026

Loanch Update September 2026: Iron Reached, 14.5% Interest & Up to 3% Cashback – My Honest Review

My Loanch update: why my portfolio now sits at €3,800.88, how the loyalty programme works (Iron reached, Bronze and +0.5% from €5,000 in sight), what the up to 14.5% interest and the originators Tambadana, AhaPay and Ammana bring, how the Early Bird cashback promotion runs, that originator Wawasan Cojaya has filed an audited annual report with sharply rising numbers – and where things stand on regulation, buyback and the earlier payout delays. With all the numbers from my own account.

September 23, 2026

Esketit Update September 2026: My P2P Portfolio, All 58 Loans on Time & 0.5% Cashback

My latest Esketit update: how my account grew to €2,317.42, why all 58 loans are currently paying on time, what I've earned in interest, how my auto-invest is set up – and the honest weaknesses: cash drag, an empty primary market for short-term loans and the fact that Esketit is not regulated. Plus: 0.5% cashback for new users through my link. With all the numbers from my own account.

September 21, 2026

Indemo Update September 2026: up to 5% Cashback & My P2P Portfolio (€7,500) in Detail

My latest Indemo update: how my portfolio grew to around €7,500 in value (+8.78%), why I keep adding, how the cashback promotion with up to 5% works (only until 30 Sept) and how you get 0.5% extra through my link, what my first sold assets returned – and the honest truth about liquidity, the secondary market and regulation. With all the numbers from my own account.

September 20, 2026

Charity Portfolio: McDonald's, Main Street Capital or Waste Management? The Third Community Vote

Round three in the community charity portfolio: for the next €1,000 purchase you get to choose between McDonald's, Main Street Capital and Waste Management – your most-suggested stocks. Here are all the metrics side by side: dividend yield, years of increases, payout ratio and valuation – from the dividend aristocrat to the 7% BDC to the waste giant. And here's how to vote.

September 19, 2026

TWINO Update September 2026: FLEXI, up to 2% Cashback, Moneza Repaid – My Review

My latest TWINO update: why my portfolio is now 100% in FLEXI (6% fixed, daily interest, withdraw any time), what the regular ABS bring at up to 12%, how the extended cashback promotion with up to 2% works, that TWINO has fully repaid the Moneza claims from Russia – and how safe and regulated the platform really is. With all the numbers from my own account.

September 18, 2026

Debitum Flow: 8% Interest, Daily and Flexible? My Honest Take on the New Fixed-Income Product

Debitum has launched a new product called Flow: 8% p.a. on regulated notes, daily interest payments and flexible early withdrawal – with no exit fees. I explain how Flow really works, how flexible it actually is (the €1,000 and €5,000 limits), how safe your money is, how Flow stacks up against Bondora Go & Grow, Monefit and TWINO – and how to get 1% cashback through my link.

September 17, 2026

Digilo Review 2026: My Honest Take on the New P2P Platform (9–12%, property-backed, ECSP-regulated)

My in-depth Digilo review: the new Latvian P2P platform funds property-backed loans at 9–12% interest, has been licensed by the Bank of Latvia as an ECSP since September 2025, and starts at €150. I'll show you the platform numbers, my own €1,000 investment including cashback, how safe your money is, the risks of this still very young platform – and how you get 3% cashback through my link.

September 16, 2026

Go & Grow Bonus 2026: Double Your Deposit (up to €5,000) + €5 Starting Bonus – Here's How

Go & Grow (formerly Bondora) is running several promotions at once: the 'Double or Nothing' giveaway doubles your deposit by up to €5,000, new customers get a €5 starting bonus, plus my own community giveaway. I'll show you step by step how the promotions work, the conditions and deadlines, when the 8 winners are drawn – and what to watch out for.

September 15, 2026

My Biggest Investing Mistake? A World ETF Beat My Dividend Portfolio – Update 09/2026

An honest dividend portfolio update for September 2026: my €262,254 portfolio, why a world ETF (MSCI World) beat my dividend strategy over 5–10 years, and why the Vanguard FTSE Global All-Cap ETF is now my new core. All the numbers, the 7 sells, my 16 positions and the dividend forecast to 2027 – live from my Parqet dashboard.

September 14, 2026

C24 Bonus 2026: Claim €75 Starting Credit for the Smart Account – Here's How

C24 is currently giving new customers €75 starting credit for the free Smart account. I'll show you step by step how the switching reward works: the conditions, the digital account switch within 90 days, when the €75 arrive – and the pitfalls that otherwise cost you the bonus.

September 12, 2026

C24 Smart Account Review 2026: Free German Bank Account with 0.75% Interest, Pockets & €75 Bonus

I use the C24 Smartkonto as my free current account from C24 Bank (CHECK24 group). In this 2026 review I cover every condition: €0 account fees, Mastercard Debit + Girocard, four pockets, 0.75% interest on your balance, fee-free cash withdrawals worldwide, spending analysis – plus the €75 new-customer bonus, the Smart/Plus/Max plans compared and the drawbacks you should know.

September 12, 2026

P2P Lending

Hive5 Review 2026: My Portfolio Update – New Loyalty Levels, 1% Cashback & Up to 16% Interest

My transparent Hive5 update: I keep adding to my position and currently sit at €3,402.43 with a 12.81% net annual return across 74 loans – all on time so far. I show the two new loyalty levels (Premier & Elite, effective 5 October 2026), the 1% cashback via my link plus the public 3% new-customer promo, how the 60-day buyback obligation works, why I stick to short loan terms, why there's still no secondary market – and that Hive5 is not regulated.

September 12, 2026

Revest Review 2026: The New Secondary Market Is Here – My Test (13.5–16% Interest, Buyback)

My Revest review with the big update: Revest has finally launched a secondary market – early exits are now possible. I show how the secondary market works, how this Robocash-style platform from Croatia with Kazakh loans, 13.5–16% interest and a buyback guarantee ticks, where it stands on regulation, which risks remain – and my own position: €1,250.80 at 15.13% yield, just topped up by €250.

September 11, 2026

Lendermarket Review 2026: Why I'm Topping Up to €6,000 (ECSP-regulated, buyback, 12.21% return)

I'm topping up my Lendermarket position to €6,000. In this update I show why: Lendermarket has been ECSP-regulated since December 2024 (Central Bank of Ireland), offers over 13% interest, a buyback guarantee after 60 days plus a Creditstar group guarantee, and since April 2026 finally an early exit via Auto Invest FLEX. My position: €6,000 invested, 12.21% return – plus 1.5% cashback via my link.

September 10, 2026

Charity Portfolio Update September 2026: VICI Properties Wins – the Second Purchase Is Here

You decided: VICI Properties is the second purchase in the community charity portfolio. In the combined YouTube and Instagram tally, VICI led 91 to 81 against LVMH – even though LVMH won the Instagram poll. Plus: the current portfolio value of just under €2,200, the dividend calendar and when the first donation happens.

September 09, 2026

Mintos Diversification: 6 Asset Classes in One App – Is That Enough? (Deep Dive 5/5)

Part 5 of my Mintos Deep Dive is all about spreading risk and diversifying. Six asset classes in one app – loans, bonds, real estate, ETFs, crypto and Smart Cash: I show how broadly you can diversify within the loans (39 lenders, over 20 countries, thousands of loan packages), how the six classes differ, how to automate it all with a savings plan – and the three things (residual risk, platform risk, tax) you should know before you start.

September 08, 2026

Is Mintos Worth It in 2026? An Honest Look at the Pros and Cons (Deep Dive 4/5)

Part 4 of my Mintos Deep Dive takes stock: is Mintos still worth it in 2026? After more than five years and a portfolio of over €13,000 I name five clear advantages (all in one app, EU regulation, ten years of open return history, 9–10% returns, entry from €1) and five honest drawbacks (the lost loan focus, fees, loan defaults like Nera Capital, doing your own tax and the €20,000 limit) – and say clearly who Mintos is worth it for and who it isn't.

September 07, 2026

Passive Income with Mintos: Loans, Bonds, Real Estate & ETFs in One App (Deep Dive 3/5)

Part 3 of my Mintos Deep Dive tackles the question: how good is Mintos really for passive income? I go through all six asset classes – loans (9–10%), bonds (8.7%), real estate (7–9.5%), 1,000+ ETFs from €1, Smart Cash at up to 2.25% and crypto ETPs – show my own €13,247 portfolio and give an honest take on what actually generates passive income and what doesn't.

September 06, 2026

Afranga Review 2026: My Honest Test After 11 Months (up to 16% interest, ECSP-regulated)

My in-depth Afranga review: I've been investing on the ECSP-regulated P2P platform from Bulgaria since October 2025 – now €1,301.50 with €81 in interest and €0 overdue. How SaveSmart and the Marketplace work, why there's finally a secondary market, how safe Afranga really is, what the Stik-Credit entanglement means, what taxes apply, how to get the 0.5% bonus – and who Afranga is right for.

September 05, 2026

How Safe Is Mintos? Regulation, Investor Protection & Taxes in Check (Deep Dive 2/5)

Part 2 of my Mintos deep dive tackles the most important question of all: how safe is the platform? I walk through Notes & insolvency, the MiFID II licence supervised by the Latvian central bank, the €20,000 investor compensation scheme, the 60-day buyback obligation, the track record (2022 was even –1.2%) and the tax quirk around Latvian withholding tax – honestly, with a clear line on what protects you and what doesn't.

September 05, 2026

Why I Invest in Mintos: My Portfolio After 5 Years (Deep Dive 1/5)

To kick off my Mintos deep dive I show openly why I've been investing with Mintos for five years: €13,237.93 across five asset classes, 9.29% interest on loans, daily interest and why P2P fits me so well as a cash-flow investor – including returns, regulation and risks.

September 04, 2026

€100,000 in P2P Loans Cracked: My Portfolio Update September 2026

The €100,000 mark has fallen: €105,479 across 25 P2P platforms, €938.38 in interest in August and a 14.18% return. I show every position openly, the three new additions Silvaland, 7Harvests and Revest – and why I still want to bring the P2P share back down to 10%.

September 03, 2026

€343 in Dividends in August: An Update on My €261,000 Stock Portfolio

A transparent dividend update for August 2026: €343 in payouts, my biggest winners and losers, all the key metrics and my dividend forecast through 2027 – live from my Parqet dashboard.

September 02, 2026

€479,563 Net Worth: My Portfolio Update for September 2026

A transparent net worth update for September 2026: my portfolio grows to €479,563 – up 5.29% on the previous month and 55.57% since the start of the year. All eight asset classes, from stocks and P2P to crypto, in detail.

September 01, 2026

Mintos INVEST26: Claim Up to €500 Bonus for New Customers

With the INVEST26 promotion, Mintos gives new customers a tiered welcome bonus of up to €500. How the tiers work, which deadlines apply and what to watch out for – explained concisely.

August 26, 2026

Parqet Discount Code FINANZLENNARD: 15% Off Parqet Plus (2026)

With the Parqet discount code FINANZLENNARD you get 15% off the first year of Parqet Plus. Here you'll learn how to redeem the code, what Parqet costs and why I use the tool myself every day.

Parqet Review 2026: My Test of the Portfolio Tracker

I use Parqet to track all my portfolios in one place. In this review I show you all the features, prices, pros and cons – and what to look out for in a portfolio tracker.

Timeless Bonus: Claim €10 Starting Credit for New Customers (2026)

With my Timeless bonus link, as a new customer you get €10 starting bonus for your first investment in collectibles like watches, classic cars or trading cards. Here you'll learn how to redeem the bonus, how Timeless works and what to watch out for.

Timeless Review 2026: My First Exits – This Is How Much Return Came Out

My Timeless experience after almost a year: over €5,000 invested, +19.73% portfolio performance and my first two exits with +14.18% and +21.22% returns. In this test I transparently show my numbers, the trading feature, taxes and risks.

TWINO Review 2026: My Test After 3 Months (6% Interest with Flexi)

My detailed TWINO review: since May 2026 I've been investing on the regulated P2P platform from Latvia – now over €2,600. How good TWINO Flexi is with 6% interest and daily availability, how MiFID II regulation protects you, what happened to the Russia chapter, and who TWINO is worth it for.

August 22, 2026

Charity Portfolio: LVMH, VICI Properties or Zoetis? The Second Community Vote

Round two in the community charity portfolio: for the next €1,000 purchase, LVMH, VICI Properties and Zoetis are up for the vote – your three most-named stocks. Here are all the key figures compared: dividend yield, years of increases, valuation – and how the vote turned out.

August 14, 2026

€270 in Dividends in July: An Update on My €258,000 Stock Portfolio

A transparent dividend update for July 2026: €270 in payouts, why the month was weaker than usual, my biggest winners and losers – and my forecast through 2027.

August 11, 2026

€455,465 Net Worth: My Portfolio Update for August 2026

A transparent net worth update for August 2026: how my portfolio developed across stocks, P2P loans, real estate, crypto, occupational pension and more – including all the numbers in detail.

August 11, 2026

€95,529 in P2P Loans: My Portfolio Update for August 2026

A transparent update on my P2P lending portfolio: €95,529 across 22 platforms, current returns and income, Nectaro newly added, Triple Dragon sold via early exit – and my new strategy with clear caps per platform.

August 11, 2026

Charity Portfolio Update August 2026: McDonald's Wins the First Vote – the First Purchase Is Here

The community charity portfolio has officially started: McDonald's won the first vote by a razor-thin 130 to 127 against Realty Income, and the first five shares are in the portfolio. Plus: when the first dividend arrives, when the first donation happens – and how to suggest the next stock.

August 10, 2026

Smartbroker+ Promo: Claim a €20 McDonald's Share

Smartbroker+ gives new customers a McDonald's share worth €20. An overview of the conditions, the process and the pitfalls of my promotion.

August 02, 2026

Charity Portfolio: McDonald's, PepsiCo or Realty Income? The Community Picks the First Stock

Here we go: for the first purchase in the community charity portfolio, McDonald's, PepsiCo and Realty Income are up for the vote – the three most-named stocks from your comments. Here are all the key figures compared: dividend yield, years of increases, valuation – and how you can vote.

July 24, 2026

Community Charity Portfolio: We're Starting a Dividend Portfolio for a Good Cause

A big new project on my channel: together with the community I'm building a dividend charity portfolio. Every month I invest €500 to €1,000 of my own money, you vote on the stocks – and all dividends are donated to non-profits we choose together.

July 12, 2026