Where I Invest

My Peer to Peer Lending Investments, December 2019

Total Portfolio Annual Rate Of Return Since 2015: 8.1%

My return rate doesn’t include any new customer cashback incentives or investments held within Collateral, Lendy and Funding Secure which are in administration. It will take these administration proceeds time to complete so I will add 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 risk over the years. I’ve also drifted away from the higher risk loan platforms opting for more stable investments.

Here are my current investments as of December 1st 2019:

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November 2019 recap: There have been many changes to several peer to peer lending companies. I’ve been moving the portfolio as I try to create more balance with the goal of not being so overweight in certain companies. Continuing to reduce investments in higher-risk loans.

Added Investment:

Ratesetter (prior to rate cuts)
Loanpad
Unbolted (slight increase)

Reduced Investment:

Moneything (reducing investments)
Zopa (Withdrawing as loans mature)
Property Partner (reducing exposure, updating review)
Lending Works (rebalancing)
Assetz Capital (rebalancing)
Ablrate (rebalancing)
Mintos (UK investors unable to continue)

When I began investing into 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.


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.

Disclaimers: I am not paid to write my reviews and I’m not employed by any of the companies I write about. In most cases, I have invested or continue to invest my own money through these companies. In order to keep the website financially viable, the sign-up links on this website are referral links and I do accept advertising in the form of banner ads. This advertising in no way influences my reviews and opinions. When you sign up for an account through my website, in some cases I receive a referral fee directly from the companies, at no cost to you. Your support enables me to continue to operate the Financial Thing website. You can read more about my referral links and banner advertising here.

** 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 peer to peer lending, crowdlending or crowdfunding and your capital is at risk. Please don’t invest more than you can afford to lose. **