Where I Invest

My Peer to Peer Lending Investments, December 1st 2023

Total P2P Portfolio Annual Rate Of Return Since 2015: 5.6%

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.

As you can see from the above graph, 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 p2p loan platforms opting for more stable investments.

Here are my current p2p investments:

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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:


Reduced Investment:

Lending Works (Closed)

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

** Disclaimer: Please do your own research.I post my portfolio purely for entertainment purposes. Investing in stocks and crypto is risky and you might lose all your money so beware.**

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

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Index Trackers / ETF’s
Vanguard UK US Equity Index Tracker Fund
Vanguard USA VTSAX
Vanguard USA VTI
Vanguard USA VWO

Stocks (Bold indicates added or sold positions for the previous month)

Apple (AAPL)
Arkk (ARKK)
Ali Baba (BABA)
(B) Coinbase (COIN)
Crescent Point (CPG)
(B) Creative Realities (CREX)
Cenovus Energy (CVE)
Chevron (CVX)
(S) Gingko (DNA)
Deutsch Bank (DB)
(S) Disney (DIS)
Vaalco (EGY)
Flex (FLNG)
SPYDR Gold Trust (GLD)
(B) Green Power (GP)
Kalera (KLR)
Norwegian Cruise Lines (NCLH)
(B) Rivian (RVN)
Vermilion (VET)
(S) Walt Disney (DIS)
(S) Zim Shipping (ZIM)

(S) = Sold, (B) = Bought

Trading 212 Portfolio (This changes constantly)

Ali Baba (BABA)
(B) Coinbase (COIN)
(S) Canadian Overseas Petroleum (COPL)
(B) Creative Realities (CREX)

(S) Deutsch Bank (DB)
Flex (FLNG)
(S) Gingko (DNA)
Green Power (GP)
(S) Kalera (KLR)
Norwegian Cruise Lines (NCLH)
Vermilion (VET)
(S) Walt Disney (DIS)
(S) Zim Shipping (ZIM)


Bitcoin (Majority)
Ethereum (Majority)
The Graph
Binance Coin
Polygon (staking)
Shiba Inu
The Sandbox
Synthetix (staking)
Vulcan Forged

This is a list of the cryptocurrencies I currently hold. This is not a recommendation so please do your own research. Read my Cryptocurrency 101 guide here. Bitcoin is what I consider the safest cryptocurrency but all other cryptocurrencies are speculative and may become worthless.


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:  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 the investments I write about and your capital is at risk. Please don’t invest more than you can afford to lose. **