Where I Invest

My Peer to Peer Lending Investments, June 2021

Total P2P Portfolio Annual Rate Of Return Since 2015: 6.2%

My return rate doesn’t include any new customer cashback incentives or investments held within Collateral, Lendy, Funding Secure, Moneything and The House Crowd which are in administration. Administration processes take time to complete so I will adjust these numbers once the results are known.

You can see how my return rate has fallen over the years as I’ve diversified into more companies to spread the risk and lost money to due failed loans. I’ve also drifted away from the higher risk loan platforms opting for more stable investments.

Here are my current p2p investments as of June 1st, 2021:

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May 2021 recap: I continue to rebalance my investments into a more balanced lower risk p2p lending portfolio and as I reduce investments in higher-risk loans. Continuing to withdraw interest payments.

Added Investment:

None

Reduced Investment:

Lending Works (Reducing)
Mintos (UK investors unable to continue investing)

When I began investing in peer to peer lending, it was overwhelming. There were so many options and I had so many questions. Which peer to peer sites were reputable and which were the safest? Were they profitably operated and if not, could they sustain losses? Could they recover money from non-paying borrowers? It took months of research to answer these questions and I’m happy to offer my experiences and opinions on Financial Thing.

If you are new to peer to peer lending, I recommend reading my Peer to Peer Lending Guide before you make any decisions or contact me with any questions.

My Current Stocks, Shares, Funds & Crypto Investments

Here are my current holdings in my portfolio (Any holdings in bold were recently added):

Index Trackers / ETF’s (70% of overall investments)
Vanguard UK US Equity Index Tracker Fund (Majority)
Vanguard USA VTSAX (Majority)
Vanguard USA VTIAX (Minority)
VanEck Vectors Junior Gold Miners Etf (GDXJ) (Small holding)

Stocks (20% of overall investments)
Aurora Cannabis (ACB)
Apple (AAPL)
Apache Corp. (APA_
Barrick Gold (GOLD)
Bonanza Creek (BCEI)
Centrus Energy (LEU)
Crescent Point (CPG)
Crispr Therapeutics (CRSP)
Editas Medicine (EDIT)
EOG Resources (EOG)
Exxon Mobil (XOM)
Intellia Therapeutics (NTLA)
Kazia Therapeutics (KZA)
Laredo Petroleum (LPI)
Lloyds Bank (LLOY)
Marathon Oil (MRO)
Occidental Petroleum (OXY)
Olin Corp (OLN)
Tullow Oil (TLW)

CryptoCurrency (10% of overall investments)
Bitcoin (Majority)
Ethereum (Majority)
Chainlink
Cardano
The Graph
XRP
Decentraland
Synthetix
Polygon
Litecoin
Ren
Origin
Enjin
Doge
Harmony
BNB (Binance)
Vechain
Solana
BitTorrent

This is a list of the crypto coins I currently hold. This is not a recommendation so please do your own research. My plan is to hold Bitcoin long-term and to use altcoins for short-term profit. Profit from the altcoins will eventually be invested into Bitcoin.

Want to find out which peer to peer lending sites are my favourites? Click here and instantly receive my complimentary Top 5 Peer to Peer Lending Sites Report.

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** This page is for information purposes only. This information is not financial advice and has been prepared without taking your objectives, financial situation or needs into account. You should consider its appropriateness for your circumstances. All investing carries risks. Opinions expressed in this review are opinions based on my own personal experiences. The FSCS does not cover the investments I write about and your capital is at risk. Please don’t invest more than you can afford to lose. **