I like it. It’s stable above 10% XIRR. In stocks, I expect to be around 8% XIRR long term, but there can be up and downs -> few years XIRR maybe even negative. But for p2p lending, it should be stable around 10%, with a buyback guarantee! On the other hand, at the moment my XIRR on dividend portfolio is 14.91% and 56.95% on my small growth portfolio (though it’s just temporary on peak now, as all stocks).
If mintos will survive corona, I will probably add more funds there. As I am still covering only about 11% of my monthly expenses, every euro counts! 😀
Here are some numbers on defaults in my portfolio: