P2P Empire Portfolio in October 2025

We invest alongside our readers. Find out how!

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Last Update:

16/10/2025

37.48%Peerberry
18.10%Fintown
13.75%Afranga
8.06%Lande
7.00%Crowdpear
5.89%Indemo
5.73%EstateGuru
2.63%Nectaro
0.98%Income
0.39%Esketit
0.00%Robocash

116,472.42

Total portfolio amount

platform-logo
Amount43,651.10
IRR 10.97 %
Investing since January 2018
Status Active
PlatformAmountIRRInvesting sinceStatus
platform-logo 43,651.1010.97%January 2018Active
platform-logo 21,079.8913.58%February 2023Active
platform-logo 16,012.248.58%July 2025Active
platform-logo 9,387.1110.04%June 2023Active
platform-logo 8,152.729.21%December 2022Active
platform-logo 6,857.935.45%September 2024Active
platform-logo 6,671.880.48%January 2018Exiting
platform-logo 3,063.5110.41%July 2025Active
platform-logo 1,141.4610.31%February 2025Testing
platform-logo 454.5811.19%March 2022Exiting
platform-logo 0.0013.25%April 2019Exiting

FAQ About The Portfolio

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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.

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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.

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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.

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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.

Latest Portfolio Update

Stay informed about the latest updates regarding our P2P lending portfolio to find out which platform is performing well and which isn’t.

Read The Latest News

Keeping up with the latest news regarding your platform is essential for maintaining a profitable portfolio.

calendar icon24. October 2025

Afranga Investors Must Re-Verify Accounts by 15 November to Avoid Restrictions

Afranga users must complete account re-verification by 15 November 2025 to remain fully active. This process is required by payment provider Lemonway under updated regulatory obligations. Failure to verify will result in temporary account restrictions, including blocked deposits, withdrawals, and investments. Verification involves reviewing pre-filled data and submitting documents. Once approved, all account features will be restored.

calendar icon24. October 2025

Afranga Investors Must Re-Verify Accounts by 15 November to Avoid Restrictions

Afranga users must complete account re-verification by 15 November 2025 to remain fully active. This process is required by payment provider Lemonway under updated regulatory obligations. Failure to verify will result in temporary account restrictions, including blocked deposits, withdrawals, and investments. Verification involves reviewing pre-filled data and submitting documents. Once approved, all account features will be restored.

calendar icon24. October 2025

Fintown Requires Postal Address Update by Nov 1 for Withdrawals

Fintown users must update their postal address by November 1 to match the address registered with their bank. This step is required under new banking verification rules. If the addresses don’t match, withdrawals will be blocked. Update your details via the link provided or under My Profile → Postal Address in your account.

calendar icon23. October 2025

Fintown Raises Minimum Withdrawal and Investment Thresholds

Starting November 10, 2025, Fintown will introduce a €20 minimum for bank withdrawals and set a €100 minimum investment amount. The changes aim to reduce micro-transaction costs and align with the platform’s expanding project scale. These updates support Fintown’s long-term operational sustainability amid growing transaction volumes.

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