My investment capital is distributed between multi-currency portfolios of Peer to Peer Lenders, Stocks, Bonds, REIT’s, Gold and most recently Crypto Currencies.
The investments are low maintenance, low to medium risk, with very reasonable risk/return ratios. Investments require at maximum 1-2 hours per month to maintain once they are set up.
Peer to Peer Lending Portfolio
Returns on the Peer to Peer Lending Portfolios are between 3% and 25% (depending on lender & currency). Using lower to medium risk Peer to Peer platforms. I use Peer to Peer Lending because returns on investments are far superior to returns currently available from banks or short term government bond coupon yields.
My strategy with Peer to Peer Lending is a “lazy investor” strategy where I am looking for the best returns possible, for the least amount of work. Most of my accounts are “auto-invest” accounts where once the capital is lent out it’s really just a case of checking it every few weeks to make sure everything is going as it should.
Growth Portfolios
The Growth Portfolios are time tested over more than 20 years of actual investment. The USD portfolios are backtested through similar asset-class backtesting for almost 50 years. My main Growth Portfolio has produced an annual average return of around 14% Annual Returns from 2005, with an average drawdown of around 9% and a maximum drawdown of 14.75% in the 2008 financial crisis. Again, I like the “lazy investor” aspect of these portfolios which just need rebalancing one time per year after the initial investment.
Crypto Currency Portfolio
The Crypto Portfolio is new, just initiated in February 2021. Crypto in general is a new investment for me which you can read more about here.
How my capital is distributed throughout investment assets:
£ – GBP Peer to Peer Lending Portfolio
£ – GBP Permanent Portfolio
$ – USD Growth Portfolio
$ – USD Permanent Portfolio
€ – EURO Portfolio
£ – GBP Crypto Portfolio
For more detail on the Individual Portfolios. see The Investment Portfolios Page
