Portfolio update – February 2025

Summary

I continue my strategy of increasing P2P portfolio with new deposits in February. The Mintos, Esketit and Debitum platforms have been topped up in this month. If the trend does not change, I should reach a portfolio worth a quarter of a million in next 2 months.

Such a large portfolio value makes me think more and more about its diversification, not only in the field of currencies, collateral, but also geographical location. The current p2p lending market is dominated by loans and lenders from the Baltic countries. For this reason, in February I started investing in a new platform. For now, the position is in the early testing phase, so I will not publish information about it until the tests are completed. More information soon.

I invite you to a detailed analysis.

Portfolio history (last 12 months)

Portfolio summary

(***) Due to the lack of certainty of the exchange position, the ETF was excluded from the total profit.

Bitfinex Lending*

As a reminder, in mid-January I changed my strategy to lending at a rate of 0.02% return per day. As you can see on the chart below, the end of the month has started to rise, I am curious about the results at the end of the next month.

Graph of all loans sold in the last month:

Mintos (Euro €)*

As planned for 2025, the Mintos position is expanding. This time, I invested over EUR 2,800 in a basic high profit-oriented strategy, at the cost of higher risk (no physical collateral, apart from buyback guarantees from the lender).

After 4 months of growth in overdue loans, we are seeing the first rebound and arrears being paid off. I hope this is a sign of a new trend.

If you want to start your adventure with Mintos platform, please check out my review: Mintos Review (2024): 14.89% return after 3+ years

Signing up using my invitation link, you will receive €50 for investing €1,000+ and a 1% bonus on the amount invested within the first 90 days.

Mintos (Rubel rosyjski ₽)*

As a reminder, since the war in Ukraine, the position is in the process of being paid out . Currently, the last company to be paid out is Kviku. Mintos is currently in the process of establishing the terms of the agreement to sell the arrears to a third party.

Robocash*

This month also saw further cash outages (over 5% of the value), unfortunately affecting the return on the platform , exceeding the 9% return line. Despite everything, the position in the portfolio is stable.

If you don’t know how to start your adventure with Robocash. Feel free to check review and detailed description of my strategy: Robocash Review (2024): 12.65% return after 2 years

Esketit*

I managed to temporarily solve the problem of cash crag by buying out long-term positions on the secondary market. Thanks to this approach, even with a minimal buyout fee, the position earns for itself in the long term. For this reason, I decided to invest €2,000 in the position. This should bring measurable results in the next month.

By registering using my invitation link, you will receive a 1% bonus on the amount invested within the first 30 days.

PeerBerry*

After recent cash outages, a nice stability has arrived on PeerBerry. A fully invested portfolio is starting to return a nice return of around 10%.

Income*

There are a lot of new features on the Income platform, Hoovi, the company has released a new class of loans – which are in the recovery phase at the start, but are secured by physical real estate, which will provide additional protection against risk.

On the other hand, Hoovi is close to concluding an agreement with an institutional investor, which will allow it to reduce its loan financing costs. Fortunately, the company does not plan to part to withdraw the Income platform, only to reduce its involvement and repay some of the positions. The bank’s entry was certainly preceded by Hoovi audits, to which we do not have access, which in my opinion increases the lender’s credibility.

Despite cash drag, the monthly result of over 12% return is satisfactory.

Debitum*

The Debitum platform in February announced the launch of a new lender, investors can invest in the Latvian Forest Development Fund (LFDF), which operates in the Latvian forestry sector.

LFDF works as an intermediary between small forest owners and large institutional buyers such as IKEA. Debitum has given LFDF a trust rating of A based on financial, legal and operational factors.

Due to the high availability of positions, I decided to additionally top up the Debitum platform with the amount of €1,000.

ETF

Position currently in the observation and waiting phase, with no plans for changes in the coming months.

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(*) I play open cards. Links marked with an asterisk are affiliate links. If you use them, I will receive a commission. It won’t cost you anything, and often you will get a bonus too – More information can be found on the pages under the specific links.

(**) Due to the nature of the stock market, income should be understood as potential until the position is realized.