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:

  1. Everything is automated through auto-investment mechanisms.
  2. I only invest in secured P2P loans with BuyBack guarantee.
  3. No investments in small or uncredible platforms.
  4. Annual Interest rates >10%
Comparison P2P lending platforms
Comparison P2P lending platforms

My P2P portfolio:

PlatformAmount Invested (Status May'19)Auto-investmentInterest Apr'19XIRR 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€ 9,000.00yes € 68.77 13.58%
Estateguru€ 2,000.00yes € 0-
Crowdestate€ 2,000.00yes € 0-


Monthly P2P interest: