Financial Freedom Journey
  • Home
  • Start here!
  • Portfolio
    • My Investment Portfolio
    • > P2P Lending Portfolio
    • > Real Estate Crowdfunding Portfolio
    • > ETF Portfolio
    • Why a mix of ETF and P2P Lending
    • The 4-cycle Investment Approach: Buying ETFs at the best time
    • The 5 mistakes I made investing in P2P loans and ETFs
  • Monthly Updates
        • Final Blog Update | December 2022 PASSIVE INCOME
        • April and May’22 Summary
        • Mar’2022 Summary
        • Feb’2022 Summary
        • Jan’2022 Summary
        • Dec’2021 Summary
        • Nov’2021 Summary
        • Oct’2021 Summary
        • Sept’2021 Summary
        • Aug’2021 Summary
        • Jul’2021 Summary
        • Jun’2021 Summary
        • May’2021 Summary
        • Apr’2021 Summary
        • Mar’2021 Summary
        • Feb’2021 Summary
        • Jan’2021 Summary
        • Dec’2020 Summary
        • Nov’2020 Summary
        • Oct’2020 Summary
        • Sep’2020 Summary
        • Aug’2020 Summary
        • July’2020 Summary
        • Jun’2020 Summary
        • May’2020 Summary
        • Apr’2020 Summary
        • Mar’2020 Summary
        • Feb’2020 Summary
        • Jan’2020 Summary
        • Dec’2019 Summary
        • Nov’2019 Summary
        • Oct’2019 Summary
        • Sep’2019 Summary
        • Aug’2019 Summary
        • July’2019 Summary
        • Jun’2019 Summary
        • May’2019 Summary
        • Apr’2019 Summary
        • Mar’2019 Summary
        • Feb’2019 Summary
        • Jan’2019 Summary
        • Dec’2018 Summary
        • Final Blog Update | December 2022 PASSIVE INCOME

          April and May 2022 Passive Income Update | My Passive Income Streams in 2022

          March 2022 Passive Income Update | My passive Income Streams in 2022

          February 2022 Passive Income Update | The year is off to a good start

  • Platform Reviews
    • Mintos Review (2021)
    • Twino Review (2021)
    • Swaper (2019)
    • Estateguru Review (2021)
    • Crowdestate (2019 Review)
  • About me
  • Contact
Financial Freedom Journey
    • Home
    • Start here!
    • Portfolio
      • My Investment Portfolio
      • > P2P Lending Portfolio
      • > Real Estate Crowdfunding Portfolio
      • > ETF Portfolio
      • Why a mix of ETF and P2P Lending
      • The 4-cycle Investment Approach: Buying ETFs at the best time
      • The 5 mistakes I made investing in P2P loans and ETFs
    • Monthly Updates
          • Final Blog Update | December 2022 PASSIVE INCOME
          • April and May’22 Summary
          • Mar’2022 Summary
          • Feb’2022 Summary
          • Jan’2022 Summary
          • Dec’2021 Summary
          • Nov’2021 Summary
          • Oct’2021 Summary
          • Sept’2021 Summary
          • Aug’2021 Summary
          • Jul’2021 Summary
          • Jun’2021 Summary
          • May’2021 Summary
          • Apr’2021 Summary
          • Mar’2021 Summary
          • Feb’2021 Summary
          • Jan’2021 Summary
          • Dec’2020 Summary
          • Nov’2020 Summary
          • Oct’2020 Summary
          • Sep’2020 Summary
          • Aug’2020 Summary
          • July’2020 Summary
          • Jun’2020 Summary
          • May’2020 Summary
          • Apr’2020 Summary
          • Mar’2020 Summary
          • Feb’2020 Summary
          • Jan’2020 Summary
          • Dec’2019 Summary
          • Nov’2019 Summary
          • Oct’2019 Summary
          • Sep’2019 Summary
          • Aug’2019 Summary
          • July’2019 Summary
          • Jun’2019 Summary
          • May’2019 Summary
          • Apr’2019 Summary
          • Mar’2019 Summary
          • Feb’2019 Summary
          • Jan’2019 Summary
          • Dec’2018 Summary
          • Final Blog Update | December 2022 PASSIVE INCOME

            April and May 2022 Passive Income Update | My Passive Income Streams in 2022

            March 2022 Passive Income Update | My passive Income Streams in 2022

            February 2022 Passive Income Update | The year is off to a good start

    • Platform Reviews
      • Mintos Review (2021)
      • Twino Review (2021)
      • Swaper (2019)
      • Estateguru Review (2021)
      • Crowdestate (2019 Review)
    • About me
    • Contact

Swaper – an honest review

Here is my honest review and experience investing on the Swaper peer-to-peer (P2P) lending platform since August 2018. Over the past two years, through auto-invest in loans with Buyback Guarantee, I have received an average annual return of 13.01 % per year. Swaper has proven to be a reliable platform and I am gradually increasing my investments on the platform.

My first investment on Swaper was in August 2018. Before investing, I followed the platform and its development and growth for a while. The sign-up process was easy and straightforward, the deposit registered in my account within 24h.

Swaper Dashboard. Easy to navigate but less information than other platforms provide.

Monthly interest & interest rates

My monthly interest revenue on Swaper is between 65.00 and 80.00 EUR, with an interest of between 11.35% and 14.45% (XIRR). I am very positively surprised by the platform and enjoy using it.


My monthly interest income from Swaper.

My Swaper auto-invest portfolio

Swaper provides a BuyBack guarantee on all loans that are listed on the platform, which is great! The BuyBack guarantee means that Swaper will compensate investors both for the invested principal and accrued interest in case the borrower is more than 30 days late with short term loan repayment/ 60 days late with long term loan repayment.

Similar to other platforms, my entire Swaper portfolio is automated using the auto-invest functionality. I usually check once a month if things are fine and adjust the auto-investment tool if necessary.

Swaper Auto-invest portfolio
My Swaper Auto-invest portfolio.
Swaper auto invest portfolio
My Swaper auto-invest portfolio
about-me-image
Hi! I am Peter Kaiser, a European millennial in my early 30s. Passionate about life. I love traveling and spending time outdoors. This blog is me documenting my journey to financial freedom. A journey that allows me to continue living the life that I currently live. Supported by passive income.
Peter Kaiser