Where I Invest & How Capital is Distributed Throughout Investments

Investment capital is distributed between multi-currency portfolios of Peer to Peer LendersStocks, Bonds, REIT’s, Gold and more recently Crypto Currencies & Maturing Whisky.

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

Return on the Peer to Peer Lending Portfolio is generally between 5% & 8% (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 (Stocks, Bonds, REIT’s, Gold)

The Growth Portfolios are time tested over periods of between 10 years to more than 30 years of actual investment (depending on the portfolio).  The USD portfolios are backtested through similar asset-class backtesting for almost 50 years. My main Growth Portfolio has produced an average annual return of around 16% from 2005 (not inflation adjusted), 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.

$ – USD Growth Portfolio


£ – GBP Permanent Portfolio 


$ – USD Permanent Portfolio


€ – EURO Portfolio 


Crypto Currency Portfolio

The Crypto Portfolio is relatively new, initiated in February 2021. Cryptocurrency in general is a new investment for me which you can read more about here.


Maturing Whisky Portfolio

(NOTE: Whisky in most places is spelt “Whiskey”, however in Scotland it is spelt “Whisky” without the “e”, so as this is where my Whisky investment is, that’s how I spell it).

I decided to sell out of my whisky portfolio. read more about it here.

For more detail on the Individual Portfolios. see The Investment Portfolios Page


This page is presented for informational purposes only. I am not a Financial Adviser and therefore not qualified to give financial advice. Please do your own research and make your own investment decisions. Do not make investment decisions based solely on the information presented on this website.

*   My opinions, reviews, star ratings and risk ratings are based on my personal investing experience with the company being reviewed. These ratings are personal opinions and are subjective. 

**  Some of the links on this website are affiliate referral links. When you click on these links, I can sometimes receive a commission, at absolutely no cost to you. This helps me to continue to offer new reviews & monthly portfolio updates here on my website. I don’t receive commissions from all platforms and it has no effect on my ongoing opinions on investments & investment platforms. Income from my investments and capital preservation are my main motivations.

Platforms reviewed on this website I am currently investing with, or I have invested with in the past. You can see with full transparency on my Portfolio Returns page which assets & platforms I am invested with (or have previously been invested with) at any point in time. I am not paid a fee by any of the companies to write reviews, so the reviews are unbiased and purely based on my own personal experiences.

Please read my full website Disclaimer before making investment decisions.

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