{"id":35779,"date":"2022-12-12T12:24:14","date_gmt":"2022-12-12T09:24:14","guid":{"rendered":"https:\/\/estateguru.co\/blog\/?p=35779"},"modified":"2022-12-12T13:25:50","modified_gmt":"2022-12-12T10:25:50","slug":"investor-stories-sebastian","status":"publish","type":"post","link":"https:\/\/estateguru.co\/blog\/investor-stories-sebastian\/","title":{"rendered":"Investor Stories: Sebastian"},"content":{"rendered":"

It is a pleasure to speak to you, Sebastian! Can you tell us how long you have been part of the investment world?<\/strong><\/p>\n

I started investing in the stock market when I was around 16 years old, but those were not huge sums and most of my money was still held in bank accounts. Real investing started when I turned 30.<\/span><\/p>\n

Wow, that is impressive. Can you share more about your experience and how you started?<\/strong><\/p>\n

My first stock market experience was much like everyone else’s. I was randomly choosing single stocks and selling them. Losses and wins were about equal and after some time I had the feeling that I should stop gambling, as this was exactly what I felt I was doing. Fixed-term bank lending appeared more reasonable and once interest rates got low, I bought my first apartment, which I subsequently rented out.<\/span><\/p>\n

What is in your current portfolio?<\/strong><\/p>\n

My current investment portfolio looks like this: 50% real estate, 30% stock market, 10% P2P platform investments, and 10% crypto, precious metals and others.\u00a0<\/span><\/p>\n

How long have you been part of the Estateguru investor community?<\/strong><\/p>\n

I joined 4 years ago and gradually increased my investment since then.<\/span><\/p>\n

What do you like about our product and company?<\/strong><\/p>\n

Estateguru is my favourite P2P platform. The website provides a good overview as well as detailed information on every project. I was reviewing every single project before investing and all my investments were manual at the beginning, but soon I realised that all projects published on Estateguru are reasonable. I therefore nearly always use the auto-invest function in order to diversify in more than 500 projects, which is almost impossible to track by manual means.<\/span><\/p>\n

For some time, I was selling all projects in default status, but now I rather sit back and trust the real-estate-backed security to prevent major losses. So, my revenue is growing constantly every month without having to spend time on active management.<\/span><\/p>\n

Estateguru offers slightly smaller interest rates, in comparison to other P2P platforms that I use, but it turns out for me that it is much safer to invest on Estateguru than on other platforms. In addition, morally I somehow feel troubled to invest in short-term loans provided by loan companies that charge huge interest rates to their customers with the risk of causing the debt spiral insolvency of poorer fellow citizens.<\/span><\/p>\n

You visited our HQ office in Tallinn recently, what is your impression of our, let us say, kitchen?<\/strong><\/p>\n

I was very pleased to find a modern but somehow normal office. No marketing officer with a shiny sales brochure awaited me but instead, there were Estateguru employees who did not expect somebody to visit. So I concluded that Estateguru is a real and reliable company.<\/span><\/p>\n

\"Investor<\/a><\/p>\n

If you could share a little bit of your wisdom with other investors, what guidance would you give them?<\/strong><\/p>\n

I am not Warren Buffett or an investment blogger and I am sure others have more wisdom to share. What I have learned is that money is a resource that one should use and develop.<\/span><\/p>\n

Risk-free bank accounts are not a clever long-term investment since the inflation rate has become much higher than the interest rates provided by the banks. I am a big fan of diversification, trying not to invest too much in a single company or market as I cannot completely trust my judgement to identify what asset will develop well or badly. Finally, I just recently saw how fast crypto money was gained and lost which emphasizes for me once more that it is better to invest in a solid business. I conclude that Estateguru is for me a valuable stack for a balanced portfolio, although I would not recommend overbalancing P2P compared to the traditional forms of investment!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

It is a pleasure to speak to you, Sebastian! Can you tell us how long you have been part of the investment world? I started investing in the stock market when I was around 16 years old, but those were not huge sums and most of my money was still held in bank accounts. Real […]<\/p>\n","protected":false},"author":15,"featured_media":35786,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"source_name":"","source_url":"","via_name":"","via_url":"","override_template":"0","override":[{"template":"1","single_blog_custom":"","parallax":"1","fullscreen":"1","layout":"right-sidebar","sidebar":"default-sidebar","second_sidebar":"default-sidebar","sticky_sidebar":"1","share_position":"topbottom","share_float_style":"share-monocrhome","show_share_counter":"0","show_view_counter":"0","show_featured":"1","show_post_meta":"1","show_post_author":"0","show_post_author_image":"0","show_post_date":"1","post_date_format":"default","post_date_format_custom":"Y\/m\/d","show_post_category":"1","show_post_reading_time":"1","post_reading_time_wpm":"320","show_zoom_button":"0","zoom_button_out_step":"2","zoom_button_in_step":"3","show_post_tag":"1","show_prev_next_post":"1","show_popup_post":"0","number_popup_post":"2","show_author_box":"0","show_post_related":"1","show_inline_post_related":"1"}],"override_image_size":"0","image_override":[{"single_post_thumbnail_size":"no-crop","single_post_gallery_size":"crop-715"}],"trending_post":"0","trending_post_position":"meta","trending_post_label":"Trending","sponsored_post":"0","sponsored_post_label":"Sponsored by","sponsored_post_name":"","sponsored_post_url":"","sponsored_post_logo_enable":"0","sponsored_post_logo":"","sponsored_post_desc":"","disable_ad":"0"},"jnews_primary_category":{"id":"402","hide":""},"jnews_social_meta":[],"jnews_override_counter":{"override_view_counter":"0","view_counter_number":"0","override_share_counter":"0","share_counter_number":"0","override_like_counter":"0","like_counter_number":"0","override_dislike_counter":"0","dislike_counter_number":"0"},"footnotes":""},"categories":[402,3],"tags":[42,62,120],"class_list":["post-35779","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investing","category-case-studies","tag-estateguru","tag-investing","tag-real-estate"],"_links":{"self":[{"href":"https:\/\/estateguru.co\/blog\/wp-json\/wp\/v2\/posts\/35779","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/estateguru.co\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/estateguru.co\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/estateguru.co\/blog\/wp-json\/wp\/v2\/users\/15"}],"replies":[{"embeddable":true,"href":"https:\/\/estateguru.co\/blog\/wp-json\/wp\/v2\/comments?post=35779"}],"version-history":[{"count":0,"href":"https:\/\/estateguru.co\/blog\/wp-json\/wp\/v2\/posts\/35779\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/estateguru.co\/blog\/wp-json\/wp\/v2\/media\/35786"}],"wp:attachment":[{"href":"https:\/\/estateguru.co\/blog\/wp-json\/wp\/v2\/media?parent=35779"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/estateguru.co\/blog\/wp-json\/wp\/v2\/categories?post=35779"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/estateguru.co\/blog\/wp-json\/wp\/v2\/tags?post=35779"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}