Peer to Peer Lending Returns
The GBP portfolio of Peer to Peer lending investments below was initiated in June 2018, at the same time the Growth Portfolio was established for tracking and comparison purposes.
The EURO portfolio was established in April 2019 as an experiment in comparison between the two currencies and return rates available for each.
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Monthly P2P Lending Returns (£ GBP Lenders – Last 12 Months Only Shown)
Monthly P2P Lending Returns (€ EURO Lenders)
***XIRR – Because the portfolios were recently established, and deposits & payments were staggered for the first few months, XIRR is negatively affected. I expect to see XIRR increase month by month until we have 14 – 16 months of peer to peer lending investments data for each portfolio. Also note that XIRR return calculations DO NOT take future compounding effects into consideration, whereas the lender-supplied return percentages do.
Spreadsheet With All Lending Data
Click here to download a complimentary copy of the Excel Spreadsheet I use to track my investments (includes XIRR calculations and all lending data since June 2018).
GBP Lending Results – Growth & Income Charts
Peer to Peer Portfolio Distribution
Peer to Peer Lending Returns – Individual Lender Growth & Income Charts
++In December 2018 I decided to exit Zopa for the most part and move the investment capital to other lenders. However I still believe Zopa is a very good investment in a well established lender. Personally I consider my Peer to Peer lending capital as mostly risk capital so I decided to go with a higher risk/reward lender. I may come back to Zopa at a later date. Zopa still offers good peer to peer lending investments.