Unlocking Returns: Q3 2024 P2P Lending Portfolio Insights

My conclusion for the third quarter of 2024

The third quarter brought a surprise with Ventus Energy that I hadn’t expected. I didn’t really intend to invest here, but the overall concept convinced me in the end. Instead, I neglected to set up other platforms in order to use the momentum from the high early cashback.

Otherwise, P2P year 2024 will remain relatively quiet. Overall losses from depreciation are at their lowest level since 2019with the highest interest income at the same time in the entire term of the portfolio. I have hardly been involved in the few problematic cases this year (TWINO Asia, Planet42 on Mintos) and I am happy to keep it that way in the last quarter.

Although I am said to be unusually aggressive in P2P investing this year, the numbers still speak for me so far. However, I note myself that I should bring more calm to the portfolio in 2025before I create new posts. But sometimes you have to take opportunities when they arise.

The only problem I see is Estateguru in my portfolioas next to nothing is happening with the promised retrievals. I already suspected at the beginning of the year that people here have taken too much in their mouths again. Let’s see what else they can pull off before the end of the year.

In the fourth quarter, there will probably be another increase in the P2P portfolio by EUR 10 – 15,000. I have now given up the plan to cut out the gas for the rest of the year because I can’t stick to it anyway 🙂 I also have to admit that half a million euro in P2P loans is slowly starting to tempt me , even if that is still a small amount.

Write me in the comments now how was your third quarter and what you expect from the next one!