Yotta Savings – Contest Winnings – October 12th-18th

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Contest Winnings – October 12th-18th

My Yotta Savings account had 200 tickets last week.  I manually selected a handful, used my “lucky” tickets and randomly selected the remaining.  The odds are against me, lets see how I did.

Oct 12 Prior to Yotta Ball
Prior to the Yotta ball

Leading into the Yotta Ball I thought that I had a good chance of getting a few matches.  I really missed a bunch of numbers early on and my luck was really low.  Finally, the red ball rolled out and I missed so many tickets.

Winning Numbers
My winnings

Only 1 ticket paid out for a total of $0.10.  This was a really unlucky week for me.  The red ball only showed up on a random ticket with no previous yellow balls.  Back to the drawing board for the next week.

Overall 2020 Performance – Yotta Savings

  • Last Weeks Winnings: $0.10
    • Last Week ROI: Really Low
  • Total Returns: $1.60
    • Winnings: $1.60
    • Interest: $0
      • Weeks: 2
    • Actual ROI: 0.03%
    • Annualized ROI: 0.8%

What is Yotta Savings?

Yotta Savings is just that, a savings account.  They are 100% Free and FDIC insured up to $250k.  They provide a 0.2% Interest rate paid monthly on the account.  The best part, they have a sweepstakes each week where you could win $10,000,000.  How do you participate?  Just deposit $25 or more and for each $25 you will receive a entry ticket to the sweepstakes.  From there you pick your numbers, watch the balls roll each day and get paid out any winnings on the following Monday.  You should join me in saving money and winning big.  Click on the below referral link, download the mobile app and use the code JOHN246.  We will both get 100 one-time Bonus tickets when you make your first deposit.

Join Yotta Savings Today!

*I am not a financial planner and all of the above is personal opinion and performance. Your performance and experiences may differ.

Fundrise – Portfolio Performance Update – Oct. 2020

Wow what a crazy year 2020 has been.  From the start of the year I chose to let my Fundrise portfolio ride without additional principle added.  Obviously with Covid-19 the performance in real estate slowed significantly.  The 2nd quarter saw a freeze in redemptions, reduced dividends and very little appreciation.  The 3rd quarter improved on all metrics but is still not at 2018-2019 levels. Let’s take a look.

October 2020 Portfolio:

As of the end of 3rd Quarter 2020, my portfolio includes 190 active projects.  This is an increase of only 3 projects over my last update. My account has shifted into more equity based projects by about ~500bps.  This shift is driven by Fundrise’s change in focus during Covid-19, and the reinvestment of dividends. With 3 months remaining in the calendar year, my year to date returns are at 3.5%. My total annual returns are at 6.4%.  This is expected as Covid-19 slowed my 2020 returns significantly.  I expect that the next 12 months will be choppy depending on the eviction crisis and Covid-19.  Of all of the REIT options out there I find that Fundrise has the most insulated position and will fare well if a negative real estate event happens.

My Fundrise portfolio position as of 3rd quarter 2020

Top Performing Position

My top performing eREIT for 2019 is the East Coast eREIT.  This investment’s YTD return rate is already at 6.7% and growing.  The growth I am seeing is about 1/3 dividends and 2/3 appreciation.  Fundrise explains that this fund acquires a balance of both debt and equity in commercial real estate located in the East Coast region of the United States.  This investment intends to obtain a fixed rate of return that maximizes current income and equity. 

Reinvestment Options

My main goal with this investment platform is to maximize for long term growth.  Fundrise provides an easy route to grow your portfolio.  They disperse dividends every quarter and I have selected to automatically reinvest those dividends.  My dividend reinvestment’s follow the Long-Term Grown Plus investment plan that Fundrise provides.  The intent of the plan is to provide maximum returns over the long run.

Join Me

If you would like to join me on this real estate investment journey, click the link below. Both of us will receive 90 days of zero advisory fees.

Join Fundrise Today!


*I am not a financial planner and all of the above is personal opinion and performance. Your performance and experiences may differ.

Fundrise – Portfolio Performance Update

For the past 3 years I have been increasing my real estate investment via my Fundrise portfolio.  My account is now diversified into 10 different eREIT and eFunds.  My returns slowed since last post, but that was expected.  Let’s take a look.

September 2019 Portfolio:

As of the end of September 2019, my portfolio includes 187 active projects.  This is an increase of 64 projects over my last update. My account has shifted into more equity based projects by about ~400bps.  This shift is driven by both my selection of eREITs to invest in, and the reinvestment of dividends. With 3 months remaining in the calendar year, my year to date returns are at 3.5%. My total annual returns are at 5.7%.  This is expected as I entered into new funds this year that have not started to provide returns.  My annual return rate should increase over the next year or two as those funds stabilize.

My portfolio performance as of September 2019
My portfolio performance

Top Performing Position

My top performing eREIT for 2019 is the East Coast eREIT.  This investment’s YTD return rate is already at 6.5% and growing.  The growth I am seeing is about 2/3 dividends and 1/3 appreciation.  Fundrise explains that this fund acquires a balance of both debt and equity in commercial real estate located in the East Coast region of the United States.  This investment intends to obtain a fixed rate of return that maximizes current income and equity. 

Reinvestment Options

My main goal with this investment platform is to maximize for long term growth.  Fundrise provides an easy route to grow your portfolio.  They disperse dividends every quarter and I have selected to automatically reinvest those dividends.  My dividend reinvestment’s follow the Long-Term Grown investment plan that Fundrise provides.  The intent of the plan is to provide maximum returns over the long run.

Join Me

If you would like to join me on this real estate investment journey, click the link below. Both of us will receive 90 days of zero advisory fees.

Join Fundrise Today!


*I am not a financial planner and all of the above is personal opinion and performance. Your performance and experiences may differ.

Fundrise – Real Estate for all Portfolio Sizes

Fundrise is a real estate investing platform that I came across in August of 2016. This program interests me, as it has large growth potential over a long term investment. This program is not a liquid investment, and can take some time to liquidate funds.

Portfolio Options:

Fundrise has some lower-cost packages to allow newer investors the chance to try out their service with a smaller initial investment.  Their lowest investment package is a $500 starter portfolio and it has a 90 day money back guarantee.  But if you bump up to $1,000 you can move into any of the advanced portfolios for free.  Back in 2016, I started out with a $1,000 investment. Over the past two years, I have seen a lot of growth, and I have continually added additional funds to my portfolio. I am now invested in 123 projects across most of Fundrise’s real estate investment trusts (REITs).

Fundrise Portfolio Project Count
My Fundrise Project Chart

The Best Part:

The cool part about these REITs is that you receive regular updates about the real estate you are invested in. Also, the share value will fluctuate with the performance. I recently chose to fund a couple of their new REITs so I could experience the program from start to finish. I do not expect a return right away, but look forward to the potential return of the future.

My Performance:

  • 7.4% Annually

I am excited for the future of this program and will continue to grow my investment. If you would like to join me on this investment journey, click the link below. Both of us will receive 90 days of zero advisory fees.

https://fundrise.com/r/qgp9k

*I am not a financial planner and all of the above is personal opinion and performance. Your performance and experiences may differ.