Peer to Peer Lending Returns

Listed below are two portfolios of Peer to Peer lending investments, a GB Pound based portfolio, and a EURO based portfolio. These portfolios were established for tracking and comparison with the Growth Portfolios of Stocks, Bonds, Gold & REITs of similar value.

All Peer to Peer lending returns are posted here on my website monthly. Read more about Peer to Peer Lending, and see Peer to Peer Lender Reviews for the Peer to Peer lenders I am currently invested with.

Current GBP Peer to Peer Lending Annual Return

Monthly P2P Lending Returns (£ GBP Lenders – Last 12 Months Only Shown)  Small_UK_Flag       

P2P Lender (GBP) Review 11/18 12/18 01/19 02/19 03/19 04/19 05/19 06/19 07/19 08/19 09/19 10/19 TTL ROI £ TARGET
ROI %
(Lender)
ACTUAL
XIRR %
***
AblrateReview 1000.64 1517.52 1634.46 1649.21 1764.32 1780.94 1,898.68 1914.85 2,185.78 £135.78 12.00% 13.82%
Assetz CapitalReview 30631.39 30761.82 30994.9 31131.39 31296.04 31439.25 31604.16 31765.51 31927.71 32,088.47 32,232.96 32,415.23 £2,1367.23 6.05% 5.99%
CrowdPropertyReview 2,000 £0 8.00% N/A
Funding CircleReview 30795.29 31020.58 31189.17 31409.1 31543.94 31733.59 31891.81 31036.99 30,015.91 28,929.36 27,693.60 26,761.11 £2,061.11 6.13% 5.33%
Growth StreetReview 26459.77 26562.88 26695.54 26806.07 26914.56 27043.36 27163.08 27278.78 27,595.05 27,725.78 27,844.88 27,968.28 £1,1768.28 5.30% 5.17%
KuflinkReview 2003.53 3508.75 4069.42 4985.78 5258.18 6332.79 6864.04 7455.14 9,452.46 9,499.77 10,055.27 10,109.12 £359.12 7.00% 6.36%
LandbayReview 5091.71 5106.31 5121.44 5136.62 5150.37 5165.63 5180.44 5195.8 5,260.71 5,276.22 5,291.84 5,357.03 £241.84 3.49% 3.46%
LendingCrowdReview 8149.83 8198.32 8227.14 8780.65 9352.69 9377.57 9604.6 9725.34 9,795.29 9,410.10 9,505.72 8,996.61 £805.72 7.43% 7.59%
Lending WorksReview 30507.51 30658.97 30808.55 30952.91 31108.75 31312.02 31615.57 31946.39 32,127.93 32,492.10 32,707.54 33,321.91 £2,157.54 6.23% 5.86%
LoanpadReview 1501.30 1507.26 1513.65 2521.5 3,032.21 5,047.69 6,070.93 7,098.31 £70.93 5.00% 6.03%
MintosReview 10216.97 18799.78 18930.66 16967.32 16115.19 16235.74 16380 16511.65 15,150.02 15,281.15 14,898.30 13,532.52 £1,498.30 9.74% 9.64%
RatesetterReview 30532.33 30666 30802.15 30943.02 31071.13 30210.35 29861.55 29335.37 29,567.88 29,710.75 29,829.72 29,984.64 £1,859.72 5.70% 5.22%
UnboltedReview 1015.53 2021.87 2030.73 2041.98 2557.31 2573.63 2590.58 3108.75 4,130.10 4,657.42 5,188.20 5,221.69 £188.20 8.40% 8.35%
ZopaReview 10086.86 19.46 19.47 19.47 19.47 19.47 9.7 22.28 22.28 9.70 9.70 9.70 13.42 5.70% 0.27%
BAL £185,490.72 £187,324.74 £188,889.17 £190,174.95 £193,406.45 £194,585.12 £195,928.39 £197,651.01 £199,858.49 £202,027.19 £203,243.51 £204,961.93
Capital + or - £1,400.00 £1,008.86 £598.00 £300.00 £2,250.00 £150.00 £320.00 £500.00 £1,350.00 £1,337.42 £350.00 £650.00 TTL RETRN TTL XIRR %
Monthly Return £830.75 £825.16 £966.43 £985.78 £981.50 £1,028.67 £1,023.27 £1,222.62 £857.48 £831.28 £866.32 £968.42 £14,047.65 5.81%
Running XIRR% 0.0472 0.0483 5.03% 0.0526 0.0538 5.54% 0.0559 5.79% 5.73% 5.85% 5.80% 5.81%
Investment Increased
Investment Decreased

<<DRAG CHARTS TO SCROLL>>

Current EURO P2P Lending Annual Return Rate

Monthly P2P Lending Returns (€ EURO Lenders – Last 12 Months Only Shown Small_Euro_Flag   

***XIRRnote 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 get a complementary copy of the Spreadsheet I use to track my P2P investments (includes XIRR calculations and all lending data since the portfolios began).

Peer to Lender Tracking Spreadsheet Image 2

 

 Small_UK_Flag GBP Lending Results – Portfolio Value & Income Graphs

Total P2P GBP Growth Chart

 

Total P2P GBP Monthly Income Chart

Small_Euro_Flag EURO Lending Results – Portfolio Value & Income Graphs

 

Total P2P Lending Euro Portfolio Growth Chart

Total P2P Lending Euro Monthly Income Chart

 

 

Peer to Peer Portfolio Distribution

 

Peer to Peer Lending Returns – Individual Lender Graphs

 

Ablrate

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Ablerate Porfolio Growth Chart

Ablrate Monthly Income Chart

 

 

Assetz Capital

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Assetz Capital Portfolio Growth Chart

Assetz Capital Monthly Income Chart

 

Crowdestor

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Crowdestor Portfolio Growth Chart

Crowdestor Monthly Income Chart

 

Envestio

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Envestio Portfolio Growth Chart

Envestio Monthly Income Chart

 

 

Funding Circle

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Funding Circle Portfolio Growth Chart

Funding Circle Monthly Income Chart

 

Growth Street

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Growth Street Portfolio Growth Chart

 

 

Growth Street Monthly Income Chart

 

Grupeer

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Grupeer Portfolio Growth Chart

Grupeer Monthly Income Chart

 

Kuflink

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Kuflink Portfolio Growth Chart

 

Kuflink Monthly Income Chart

 

Landbay

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Landbay Portfolio Growth Chart

Landbay Monthly Income Chart

 

Lending Crowd

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Lending Crowd Portfolio Growth Chart

Lending Crowd Monthly Income Chart

 

Lending Works

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Lending Works Portfolio Growth Chart

 

Lending Works Monthly Income Chart

Loanpad

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Loanpad Account Growth Chart

Loanpad Monthly Income Chart

Mintos (GBP & EURO)

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Mintos GBP Portfolio Growth Chart

Mintos Euro Portfolio Growth ChartMintos Monthly Income Chart

 

 

Ratesetter

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RateSetter Portfolio Growth Chart

RateSetter Monthly Income Chart

 

RoboCash

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RoboCash Portfolio Growth Chart

RoboCash Monthly Income Chart

Unbolted

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Unbolted Portfolio Growth Chart

Unbolted Monthly Income Chart

 

Zopa++

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Zopa Monthly Income Chart

 

++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.

 

 

See Reviews on the Peer to Peer Lenders I Invest With

 

Recent Monthly Posts – Detailed Peer to Peer Portfolio Updates

P2P Lending Portfolio Update For October 2019

Lot’s of exiting happenings with Peer to Peer platforms this month, including the Funding Secure collapse, and Funding Circle selling loans.

P2P Lending Portfolio Update For September 2019

In September, income from the GBP Peer to Peer lending portfolio increased a little from last months £821.38 to £866.32. Funding Circle once again came in at a loss for the month because of…

P2P Lending Portfolio Update For August 2019

    GBP Portfolio Overview In August 2019, income from the Peer to Peer Portfolio again took a small dip. The problem this time was all Funding Circle which once again hit my account…

P2P Lending Portfolio Update For July 2019

In July 2019, income from the Peer to Peer Portfolio took a bit of a dip. I was trying to figure out why this was. The income from Funding Circle, Lending Crowd, and Kuflink  were all off in July…

 

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