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 03/19 04/19 05/19 06/19 07/19 08/19 09/19 10/19 11/19 12/19 01/20 02/20 TTL ROI £ TARGET
ROI %
(Lender)
ACTUAL
XIRR %
***
AblrateReview 1517.52 1634.46 1649.21 1764.32 1780.94 1,898.68 1914.85 2,185.78 2205.19 2224.34 10,261.34 10354.46 £304.46 12.00% 13.07%
Assetz CapitalReview 31296.04 31439.25 31604.16 31765.51 31927.71 32,088.47 32,232.96 32,415.23 32570.01 21704.63 21,326.17 21439.34 £2,891.34 5.94% 5.98%
CrowdPropertyReview 2,000 10000 10006.66 10,224.03 12663.20 £98.20 8.00% N/A
Funding CircleReview 31543.94 31733.59 31891.81 31036.99 30,015.91 28,929.36 27,693.60 26,761.11 24784.21 23203.49 20,770.69 19234.34 £1,334.34 0.036 2.88%
Growth StreetReview 26914.56 27043.36 27163.08 27278.78 27,595.05 27,725.78 27,844.88 27,968.28 28085.97 15179.87 15,246.31 20710.62 £2,110.62 5.30% 5.11%
KuflinkReview 5258.18 6332.79 6864.04 7455.14 9,452.46 9,499.77 10,055.27 10,109.12 10280.91 15325.99 16,451.93 18543.98 £643.98 0.0677 6.49%
LandbayReview 5150.37 5165.63 5180.44 5195.8 5,260.71 5,276.22 5,291.84 5,357.03 5372.82 0 0.00 0.00 £289.20 3.49% 3.48%
LendingCrowdReview 9352.69 9377.57 9604.6 9725.34 9,795.29 9,410.10 9,505.72 8,996.61 9101.92 10047.16 10,068.31 10122.07 £972.07 7.77% 7.14%
Lending WorksReview 31108.75 31312.02 31615.57 31946.39 32,127.93 32,492.10 32,707.54 33,321.91 33614.28 15164.55 15,319.62 20439.94 £2,639.94 5.40% 5.55%
LoanpadReview 1501.30 1507.26 1513.65 2521.5 3,032.21 5,047.69 6,070.93 7,098.31 11228.97 15391.22 15,458.54 20928.45 £328.45 5.00% 5.79%
MintosReview 16115.19 16235.74 16380 16511.65 15,150.02 15,281.15 14,898.30 13,532.52 12635.39 11242.62 10,740.86 9824.59 £2,024.59 9.76% 9.72%
Octopus.ChoiceReview 15,000.00 15008.76 £8.76 4.00% N/A
RatesetterReview 31071.13 30210.35 29861.55 29335.37 29,567.88 29,710.75 29,829.72 29,984.64 10016.37 15020.40 15,077.77 15126.46 £2,256.46 4.30% 5.08%
UnboltedReview 2557.31 2573.63 2590.58 3108.75 4,130.10 4,657.42 5,188.20 5,221.69 10459.31 10518.53 10,782.56 9993.93 £443.93 8.40% 7.85%
UOWNReview 1000.00 £0.00 13.51% N/A
ZopaReview 19.47 19.47 9.7 22.28 22.28 9.70 9.70 9.70 9.7 9.70 9.70 9.70 £13.42 5.70% 0.27%
BAL £193,406.45 £194,585.12 £195,928.39 £197,651.01 £199,858.49 £202,027.19 £203,243.51 £204,961.93 £200,365.05 £165,039.16 £186,737.83 £205,399.84
Capital + or - £2,250.00 £150.00 £320.00 £500.00 £1,350.00 £1,337.42 £350.00 £750.00 -£5,000.00 -£35,989.20 £21,250.00 £17,865.00 TTL RETRN TTL XIRR %
Monthly Return £981.50 £1,028.67 £1,023.27 £1,222.62 £857.48 £831.28 £866.32 £968.42 £403.12 £663.31 £448.67 £797.01 £16,359.76 5.39%
Running XIRR% 0.0538 5.54% 0.0559 5.79% 5.73% 5.85% 5.80% 5.81% 5.59% 5.51% 5.40% 5.39%
Investment Increased
Investment Decreased

<<DRAG CHARTS TO SCROLL>>

Please Note: I am currently in the process of rebalancing my portfolio so withdrawals & adjustments will affect rates for a couple of months.  

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 – Total Returns & Income Charts

Total P2P GBP Growth Chart

 

Total P2P GBP Monthly Income Chart

Small_Euro_Flag EURO Lending Results – Total Returns & Income Charts

 

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 Charts

 

Ablrate

Click for Review

Click to See Actual Account Details and Screenshots

Ablerate Porfolio Growth Chart

Ablrate Monthly Income Chart

 

 

Assetz Capital

Click for Review

Click to See Actual Account Details and Screenshots

Assetz Capital Portfolio Growth Chart

Assetz Capital Monthly Income Chart

 

Crowdestor

Click for Review

Click to See Actual Account Details and Screenshots

Crowdestor Portfolio Growth Chart

Crowdestor Monthly Income Chart

 

 

Funding Circle

Click for Review

Click to See Actual Account Details and Screenshots

Funding Circle Portfolio Growth Chart

Funding Circle Monthly Income Chart

 

Growth Street

Click for Review

Click to See Actual Account Details and Screenshots

Growth Street Portfolio Growth Chart

 

 

Growth Street Monthly Income Chart

 

Grupeer

Click for Review

Click to See Actual Account Details and Screenshots

Grupeer Portfolio Growth Chart

Grupeer Monthly Income Chart

 

Kuflink

Click for Review

Click to See Actual Account Details and Screenshots

Kuflink Portfolio Growth Chart

 

Kuflink Monthly Income Chart

 

Landbay

Click for Review

Click to See Actual Account Details and Screenshots

Landbay Portfolio Growth Chart

Landbay Monthly Income Chart

 

Lending Crowd

Click for Review

Click to See Actual Account Details and Screenshots

Lending Crowd Portfolio Growth Chart

Lending Crowd Monthly Income Chart

 

Lending Works

Click for Review

Click to See Actual Account Details and Screenshots

Lending Works Portfolio Growth Chart

 

Lending Works Monthly Income Chart

Loanpad

Click for Review

Click to See Actual Account Details and Screenshots

Loanpad Account Growth Chart

Loanpad Monthly Income Chart

Mintos (GBP & EURO)

Click for Review

Click to See Actual Account Details and Screenshots

Mintos GBP Portfolio Growth Chart

Mintos Euro Portfolio Growth ChartMintos Monthly Income Chart

 

 

Ratesetter

Click for Review

Click to See Actual Account Details and Screenshots

RateSetter Portfolio Growth Chart

RateSetter Monthly Income Chart

 

RoboCash

Click for Review

Click to See Actual Account Details and Screenshots

RoboCash Portfolio Growth Chart

RoboCash Monthly Income Chart

Unbolted

Click for Review

Click to See Actual Account Details and Screenshots

Unbolted Portfolio Growth Chart

Unbolted Monthly Income Chart

 

 

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 March 2020

The March 2020 monthly update is going to be very different to my usual updates. The fact is that things have changed substantially in the last month and my Peer to Peer investment strategy has…

P2P Lending Portfolio Update For February 2020

For February 2020, the Peer to Peer lending sector was again quiet. It seems the Coronavirus and the following securities market fallout got all the attention and P2P just ticked along in the…

P2P Lending Portfolio Update For January 2020

  In January 2020, the GBP Peer to Peer lending sector was relativity quiet with no major announcements or platform news. Not so for the Euro lending platforms with no less than two of them…

P2P Lending Portfolio Update For December 2019

December 2019 was a relativity quiet month as far as P2P news is concerned, compared to the 3 preceding months anyway. The new FCA lending rules kicked in on December 9th, and Landbay stopped…

 

logo