Peer to Peer Lending Returns

 

This portfolio of Peer to Peer Lending Investments was initiated in June 2018, at the same time the Growth Portfolio was established for tracking and comparison purposes. The Peer to Peer Lending returns will be posted here on my website monthly. Read more about Peer to Peer Lending, and see Peer to Peer Lender Reviews for the P2P lenders I am currently invested with.

Monthly P2P Returns

Updated Monthly

P2P Lender 06/18 07/18 08/18 09/18 10/18 11/18 12/18 01/19 02/19 03/19 04/19 TTL ROI £ ROI %
(Per Lender)
XIRR %
***
AblrateReview 1000.64 1517.52 1634.46 34.4612.00% NA
06/18 07/18 08/18 09/18 10/18 11/18 12/18 01/19 02/19 03/19 04/19
Assetz CapitalReview 30000.00 30086.02 30191.01 30314.25 30479.63 30631.39 30761.82 30994.9 31131.39 31296.04 31439.25 1391.256.13% 0.0559
06/18 07/18 08/18 09/18 10/18 11/18 12/18 01/19 02/19 03/19 04/19
Funding CircleReview 30000.00 30102.3 30214.12 30424.77 30608.15 30795.29 31020.58 31189.17 31409.1 31543.94 31733.59 1733.598.10% 0.0698
06/18 07/18 08/18 09/18 10/18 11/18 12/18 01/19 02/19 03/19 04/19
Growth StreetReview 26000.00 26061.40 26129.30 26231.39 26344.88 26459.77 26562.88 26695.54 26806.07 26914.56 27043.36 1043.365.30% 0.0484
06/18 07/18 08/18 09/18 10/18 11/18 12/18 01/19 02/19 03/19 04/19
KuflinkReview 500.00 500 500 1000.11 1000.81 2003.53 3508.75 4069.42 4985.78 5258.18 6332.79 82.797.00% 0.0436
06/18 07/18 08/18 09/18 10/18 11/18 12/18 01/19 02/19 03/19 04/19
LandbayReview 10000.00 10021.16 5033.09 5061.71 5076.62 5091.71 5106.31 5121.44 5136.62 5150.37 5165.63 165.633.49% 0.0331
06/18 07/18 08/18 09/18 10/18 11/18 12/18 01/19 02/19 03/19 04/19
Lending CrowdReview 5500.00 6003.61 6512.28 7052.08 8096.97 8149.83 8198.32 8227.14 8780.65 9352.69 9377.57 377.577.80% 0.0614
06/18 07/18 08/18 09/18 10/18 11/18 12/18 01/19 02/19 03/19 04/19
Lending WorksReview 30000.00 30096.85 30153.23 30315.08 30367.3 30507.51 30658.97 30808.55 30952.91 31108.75 31312.02 1312.026.18% 0.0527
06/18 07/18 08/18 09/18 10/18 11/18 12/18 01/19 02/19 03/19 04/19
LoanpadReview 1501.30 1507.26 7.265.00% NA
06/18 07/18 08/18 09/18 10/18 11/18 12/18 01/19 02/19 03/19 04/19
MintosReview 5500.00 5503.90 10011.48 10058.53 10138.97 10216.97 18799.78 18930.66 16967.32 16115.19 16235.74 835.749.67% 0.0854
06/18 07/18 08/18 09/18 10/18 11/18 12/18 01/19 02/19 03/19 04/19
RatesetterReview 30000.00 30067.14 30130.56 30265.34 30396.66 30532.33 30666 30802.15 30943.02 31071.13 30210.35 1210.355.50% 0.0486
06/18 07/18 08/18 09/18 10/18 11/18 12/18 01/19 02/19 03/19 04/19
UnboltedReview 500.00 502.34 504.94 507.85 610.2 1015.53 2021.87 2030.73 2041.98 2557.31 2573.63 73.638.40% 0.0747
06/18 07/18 08/18 09/18 10/18 11/18 12/18 01/19 02/19 03/19 04/19
ZopaReview 10000.00 10030.13 10078.22 10095.63 10139.78 10086.86 19.46 19.47 19.47 19.47 19.47 10.61005.70% 0.0021
bal 06/18 07/18 08/18 09/18 10/18 11/18 12/18 01/19 02/19 03/19 04/19
BAL 178000 178974.85 179458.2300 181326.7400 183259.97 185490.7200 187324.74 188889.17 190174.9500 193406.4500 194585.12
Capital + or - 500 1000 1100 1400 1008.86 598 300 2250 150 TTL RETRN TTL XIRR %
06/18 07/18 08/18 09/18 10/18 11/18 12/18 01/19 02/19 03/19 04/19
Monthly Return 0 474.8500 483.3800 868.5100 833.2300 830.7500 825.1600 966.4300 985.7800 981.5 1028.6700 8278.2600 0.0554
Running XIRR% 3.19% 3.21% 4.13% 4.48% 0.0472 0.0483 5.03% 0.0526 0.0538 5.54%
Investment Increased
Investment Decreased

***XIRR – Because the portfolio was 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 peer to peer lending investments data. Also note that XIRR return calculations DO NOT take future compounding effects into consideration, whereas the lender-supplied return percentages do.

Click here if you would like a free copy of the Excel Spreadsheet I use to track my investments.

Peer to Lender Tracking Spreadsheet Image 2

 

 

Overall P2P Results – Growth & Income Charts

 

 

 

 

Peer to Peer Portfolio Distribution

 

Peer to Peer Lending Returns – Individual Lender Growth & Income Charts

 

Assetz Capital

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Funding Circle

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Growth Street

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Kuflink

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Landbay

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Lending Crowd

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Lending Works

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Mintos

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Ratesetter

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Unbolted

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Zopa++

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++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 April 2019

April was the best month yet for my P2P Lending Portfolio! It finally crossed the £1000 per month income barrier with a return of £1,078.67 in GBP.  I mentioned “in GBP” at the end there because I…

P2P Lending Portfolio Update For March 2019

March 2019 turned out to be another good month for my Peer to Peer Lending Portfolio with a total income of £981.50 the second best month so far

P2P Lending Portfolio Update For February 2019

February 2019 has been another great month for my new P2P Lending Portfolio! £985.78 in monthly income. That doesn’t include lender cashback bonus

P2P Lending Portfolio Update for January 2019

January 2019 has been the best month so far for my new P2P Lending Portfolio! £966.43 in monthly income. That doesn’t include cashback bonus

 

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