Where I Invest

My Peer to Peer Lending Investments, August 2019

Total Portfolio Annual Rate Of Return Since 2015: 8.4%

My return rate doesn’t include any new customer cashback incentives or investments held within Collateral and Lendy which are both 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 August 1st 2019:

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July 2019 recap: Not much change to the porftolio this month. I am in the midst of rebalancing my portfolio with the goal of not being overly invested into any one company. I am feeling more comfortable with the lower risk / lower reward loans.

Added Investment:

Lending Works (slightly increased)

Reduced Investment:

Assetz Capital (reducing to create a more balanced portfolio)
Funding Secure (reducing investments in higher risk loans)
Mintos (Frozen investing for UK investors)
Zopa (Withdrawing as loans mature)

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.

** This page is for information purposes only and should not be regarded as investment advice. Opinions expressed are based on my own personal experiences investing my own money. Peer to peer lending contains risk so never invest more than you can afford to lose. **