I have received the investment report for June 2023 on the Amartha platform. This month, I did not make any top-ups as I allocated the funds for other purposes. The return I received was Rp 9,820. There was an increase of Rp 3,670 compared to the previous month's return of Rp 6,150. At least a 60% increase compared to the previous month. I don't pay much attention to the principal installment of Rp 82,000, as it is the capital I invested. There were no other changes compared to the previous month.
My investment in P2P Amartha serves as my retirement fund. At the time of writing this article, my target return is Rp 5,016,598 (2x the minimum wage in Kabupaten Kendal). With a return of only Rp 9,820, the percentage fulfillment is only 0.196%.
The returns from my planned investments will be used for living expenses. Of course, the minimum wage in Kabupaten Kendal may fluctuate, but I am targeting a return that is 2x the minimum wage. Therefore, there is still 1x the minimum wage available for reinvestment (growing the portfolio and beating inflation).
I have planned a relatively conservative investment progress as P2P investments lock the capital for a 52-week period. It is noticeable that the progress has increased from 0.123% to 0.196%. The minimum target to be achieved by December 2023 is 50%.
I have a total of 13 partner listings, with 11 partners categorized as "On Time" and 2 partners as "Early Repayment." This aligns with my expectations since I selected partners with an A Credit Score, with 9 partners having an A rating and 3 partners having an A- rating. I did not choose partners with credit scores below A as I am not very confident with B, C, D, or E rated partners.
So far, there are over 60 marketplace partners with an A Credit Score.
Assuming an average funding of Rp 5,000,000 per partner, the capital required for 60 partners would be Rp 300,000,000, with a return of Rp 34,500,000. I hope to obtain such capital soon to accelerate my Financial Freedom target.
That concludes the sharing of P2P investments on Amartha.
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