Last Update:
07/03/2026
€138,893.49
Total portfolio amount
FAQ About The Portfolio
What is IRR?
IRR represents the internal return rate, a discount rate that makes the net present value (NPV) of all cash flows equal to zero in a discounted cash flow analysis. In short, it helps calculate the portfolio's profitability over a specific period. This rate also considers cash drag, periodic changes in the interest rate, and delayed loan repayments. The IRR shown in our portfolio has been calculated monthly for the past 12 months.
What's the difference between Active, Testing and Exiting?
The active portfolio signifies where most of its profits are reinvested. On the other hand, testing portfolios refer to those where no additional investments are made. When the portfolio is labeled as "Exiting," that implies the withdrawal of all funds is ongoing.
Why does the investment period matter?
In order to gain a comprehensive understanding of any platform, it is important for investors to invest over time and gather experience in both prosperous and turbulent economic cycles.
Should I just copy your portfolio?
We never recommend blindly following any investment strategy. Our risk appetite might differ from yours. Always do your research before deciding to invest money in P2P loans.
Should I only invest in P2P loans?
No. P2P lending is a high-risk asset class and should only represent a small part of a well-diversified investment portfolio. Investors should primarily rely on broadly diversified assets such as ETFs, bonds, or real estate, while using P2P lending only as a complementary allocation. Overexposure to P2P platforms can significantly increase portfolio risk, especially for beginners or investors who are not able to regularly monitor platform developments. Defaults, platform failures, and liquidity issues are all real risks in this market. With proper due diligence and ongoing monitoring, allocating up to around 20–25% of your portfolio to carefully vetted and established platforms may be reasonable. However, investors should always ensure that the majority of their capital remains invested in more liquid and diversified assets.
Latest Portfolio Update
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