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.

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.

 

**If Charts Below Don’t Populate After A Few Seconds, Please Refresh Your Browser.**

 

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

P2P Lender (GBP) Review 06/18 07/18 08/18 09/18 10/18 11/18 12/18 01/19 02/19 03/19 04/19 05/19 06/19 TTL ROI £ ROI %
(Per Lender)
***
XIRR %
***
AblrateReview 1000.64 1517.52 1634.46 1649.21 1764.32 64.3212.00% 14.17%
06/18 07/18 08/18 09/18 10/18 11/18 12/18 01/19 02/19 03/19 04/19 05/19 06/19
Assetz CapitalReview 30000.00 30086.02 30191.01 30314.25 30479.63 30631.39 30761.82 30994.9 31131.39 31296.04 31439.25 31604.16 31765.51 1717.516.12% 5.72%
06/18 07/18 08/18 09/18 10/18 11/18 12/18 01/19 02/19 03/19 04/19 05/19 06/19
Funding CircleReview 30000.00 30102.3 30214.12 30424.77 30608.15 30795.29 31020.58 31189.17 31409.1 31543.94 31733.59 31891.81 31036.99 2136.998.10% 7.12%
06/18 07/18 08/18 09/18 10/18 11/18 12/18 01/19 02/19 03/19 04/19 05/19 06/19
Growth StreetReview 26000.00 26061.40 26129.30 26231.39 26344.88 26459.77 26562.88 26695.54 26806.07 26914.56 27043.36 27163.08 27278.78 1278.785.30% 4.92%
06/18 07/18 08/18 09/18 10/18 11/18 12/18 01/19 02/19 03/19 04/19 05/19 06/19
KuflinkReview 500.00 500 500 1000.11 1000.81 2003.53 3508.75 4069.42 4985.78 5258.18 6332.79 6864.04 7455.14 205.147.00% 6.93%
06/18 07/18 08/18 09/18 10/18 11/18 12/18 01/19 02/19 03/19 04/19 05/19 06/19
LandbayReview 10000.00 10021.16 5033.09 5061.71 5076.62 5091.71 5106.31 5121.44 5136.62 5150.37 5165.63 5180.44 5195.8 195.803.49% 3.34%
06/18 07/18 08/18 09/18 10/18 11/18 12/18 01/19 02/19 03/19 04/19 05/19 06/19
Lending CrowdReview 5500.00 6003.61 6512.28 7052.08 8096.97 8149.83 8198.32 8227.14 8780.65 9352.69 9377.57 9604.6 9725.34 575.348.19% 7.48%
06/18 07/18 08/18 09/18 10/18 11/18 12/18 01/19 02/19 03/19 04/19 05/19 06/19
Lending WorksReview 30000.00 30096.85 30153.23 30315.08 30367.3 30507.51 30658.97 30808.55 30952.91 31108.75 31312.02 31615.57 31946.39 1646.396.20% 5.49%
06/18 07/18 08/18 09/18 10/18 11/18 12/18 01/19 02/19 03/19 04/19 05/19 06/19
LoanpadReview 1501.30 1507.26 1513.65 2521.5 21.505.00% 5.87%
06/18 07/18 08/18 09/18 10/18 11/18 12/18 01/19 02/19 03/19 04/19 05/19 06/19
MintosReview 5500.00 5503.90 10011.48 10058.53 10138.97 10216.97 18799.78 18930.66 16967.32 16115.19 16235.74 16380 16511.65 1111.659.68% 8.96%
06/18 07/18 08/18 09/18 10/18 11/18 12/18 01/19 02/19 03/19 04/19 05/19 06/19
RatesetterReview 30000.00 30067.14 30130.56 30265.34 30396.66 30532.33 30666 30802.15 30943.02 31071.13 30210.35 29861.55 29335.37 1465.375.70% 4.92%
06/18 07/18 08/18 09/18 10/18 11/18 12/18 01/19 02/19 03/19 04/19 05/19 06/19
UnboltedReview 500.00 502.34 504.94 507.85 610.2 1015.53 2021.87 2030.73 2041.98 2557.31 2573.63 2590.58 3108.75 108.758.40% 7.76%
06/18 07/18 08/18 09/18 10/18 11/18 12/18 01/19 02/19 03/19 04/19 05/19 06/19
ZopaReview 10000.00 10030.13 10078.22 10095.63 10139.78 10086.86 19.46 19.47 19.47 19.47 19.47 9.7 22.28 13.425.70% 0.27%
bal 06/18 07/18 08/18 09/18 10/18 11/18 12/18 01/19 02/19 03/19 04/19 05/19 06/19
BAL 178000 178974.85 179458.2300 181326.7400 183259.97 185490.7200 187324.74 188889.17 190174.9500 193406.4500 194585.12 195928.3900 197667.82
Capital + or - 500 1000 1100 1400 1008.86 598 300 2250 150 320 500 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 05/19 06/19
Monthly Return 0 474.8500 483.3800 868.5100 833.2300 830.7500 825.1600 966.4300 985.7800 981.5 1028.6700 1023.2700 1239.4300 10540.9600 5.79%
Running XIRR% 3.19% 3.21% 4.13% 4.48% 0.0472 0.0483 5.03% 0.0526 0.0538 5.54% 0.0559 5.79%
Investment Increased
Investment Decreased

 

Monthly P2P Lending Returns (€ EURO Lenders) Small_Euro_Flag

***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).

Peer to Lender Tracking Spreadsheet Image 2

 

 

 Small_UK_Flag GBP Lending Results – Growth & Income Charts

 

 

 

 

Peer to Peer Portfolio Distribution

 

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

 

Assetz Capital

Click for Review

Click to See Actual Account Details and Screenshots

 

 

Funding Circle

Click for Review

Click to See Actual Account Details and Screenshots

 

 

Growth Street

Click for Review

Click to See Actual Account Details and Screenshots

 

 

Kuflink

Click for Review

Click to See Actual Account Details and Screenshots

 

 

Landbay

Click for Review

Click to See Actual Account Details and Screenshots

 

 

Lending Crowd

Click for Review

Click to See Actual Account Details and Screenshots

 

 

Lending Works

Click for Review

Click to See Actual Account Details and Screenshots

 

 

Mintos (GBP)

Click for Review

Click to See Actual Account Details and Screenshots

 

 

Ratesetter

Click for Review

Click to See Actual Account Details and Screenshots

 

 

Unbolted

Click for Review

Click to See Actual Account Details and Screenshots

 

 

Zopa++

Click for Review

Click to See Actual Account Details and Screenshots

 

 

++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 June 2019

      GBP Portfolio Overview June 2019 was (again) the best month yet for the GBP Peer to Peer Lending Portfolio! The £1000 per month income barrier was blown away in June, with a…

P2P Lending Portfolio Update For May 2019

May was the 12th month, and the 1 year anniversary of  the GBP Peer to Peer Lending Portfolio! It produced over £1000 income for the 2nd month

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 £1,028.67 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

 

logo