Peer-2-Peer (P2P) Lending Portfolio
Today, close to 35% of my savings are invested in Peer-to-Peer (P2P) loans. When I started investing in P2P loans in 2016, I started with a 500 EUR investment on Mintos and Twino. Investing in P2P Loans, I follow 4 principles.
My P2P loan principals:
- Everything is automated through auto-investment mechanisms.
- I only invest in secured P2P loans with BuyBack guarantee.
- No investments in small or uncredible platforms.
- Annual Interest rates >10%
My P2P portfolio:
|Platform||Amount Invested (Status May'19)||Auto-investment||Interest Apr'19||XIRR 2019|
|TOTAL||€ 45,000.00||€ 477.12|
|Mintos||€ 25,000.00||yes||€ 282.76||11.88%|
|Twino||€ 0||yes||€ 1.59||6.32%|
|Swaper||€ 11,000.00||yes||€ 124.00||12.95%|
|Grupeer||€ 9,000.00||yes||€ 68.77||13.58%|
|Estateguru||€ 2,000.00||yes||€ 0||-|
|Crowdestate||€ 2,000.00||yes||€ 0||-|