£ – GBP Peer to Peer Lending Portfolio
Below are the results of my British Pound based Peer to Peer (P2P) Lending portfolio. This is income from UK Peer to Peer Lenders, many of whom I have been investing with since 2015. I started to publish returns information on my website in 2018. As you can see below, in 2020 because of the COVID pandemic, I drew down my P2P investments significantly, as many investors did. We did not know at the time how bad the pandemic would get, and which (if any) of the P2P lenders would survive. Sure enough, many have closed down or been bought by banks & other concerns. Other platforms went to lending with government backed business loans, which do not allow retail investors to invest into.
Now the end of the pandemic seems like it is in site, with vaccinations and lockdowns which appear to be working. I have started once again to increase my investments in the UK P2P lending space. My thought is that any lending platform that came through this once-in-a-lifetime event, can probably come through anything. You can see from the charts below which companies have been successful, and which have not been quite so much.
I’ll update the tracking spreadsheet & income charts monthly.
PLEASE NOTE: Charts can take a few seconds to load as they are pulled in real-time from Google sheets. Also Safari Mobile Browser does not display charts correctly. Please try using Chrome or Firefox instead. There is nothing I can do about this technically as it’s a Safari issue. Hopefully Apple will fix it soon
CLICK ON ANY CHART FOR INTERACTIVE
£ – GBP Peer to Peer Lending Total Returns to Date.
Individual Lender Income Charts
Euro Peer to Peer Lending Portfolio: for anyone looking for the Euro Portfolio, I have been drawing it down slowly as I don’t intend to invest further in Euro lenders for the time being. There are a couple of reasons for this: As I live in Portugal most of the time, I live on Euros, & GP Pounds when I’m back in the UK, so I have been using the euros I have for living expenses. Typically I would change US Dollars or GB Pounds for Euros, but the euro has been rocketing against these currencies recently, so I decided to use what I have before changing more at this high rate. Also a couple of Euro lenders (Grupeer & Envestio) ended up going out of business, and taking investors capital with them. In my mind, this is because Euro Peer to Peer Lenders lack regulation (this has not happened to any GBP lenders throughout the pandemic). There are a few Euro Lenders that have come through the pandemic and returned clients money with interest, namely Crowdestor, Mintos, Swaper, Peerberry & Robocash have all done what they are supposed to do. I will invest in them all again once I am ready to invest Euros again. I believe they are all decent investable companies paying very good returns.
Who Are the Best Peer to Peer Lenders?
Would You Like A Copy of the Spreadsheet I Use for Tracking P2P Lenders?