P2P lending portfolio review for February 2018

Overview of the month

The most important change in my P2P lending portfolio was that I withdrew some cash from Omaraha. Also, in order to write Crowdestor‘s review, I invested a small sum in this firm’s first project.

Current performance


In spite of offering a large bonus, I got nearly no new loan at Omaraha until the very end of February. This situation has been lasting since the beginning of the year, so I decided to withdraw most of the idle funds in order to allocate them to Grupeer, Finbee and Crowdestor (in decreasing order).

My XIRR is absolutely stable compared to last month, at 20.84% versus 20.86%; it’s once again my best portfolio, and it pained me to have to withdraw money from it !


Ah, Bondora… Once again it was a very deceiving month for this platform. I made more money with my Grupeer portfolio, although it’s twice smaller than my Bondora portfolio. Another striking figure is the received interests, which have dropped by more than 50% between January and February !

The XIRR dropped below 15%, setting a new low at 14.37% against 15.14% last month. Needless to say, that’s a very poor result, especially compared to Bondora’s “expected return” when I started investing. While this may look like a harsh judgment- after all, it’s really not a bad result by itself -, the clearly decreasing returns is really worrisome !


It was yet another excellent month for my portfolio at Grupeer. The XIRR  reached 14.72%, slightly above last month’s 14.63%. There were few cashback offers this month, so the returns may drop slightly; however one can only marvel at Grupeer’s very consistent returns. The reallocation from Omaraha meant that my Grupeer portfolio increased by around 10%.


Another very stable month for this platform; the XIRR was 12.69%, compared to 12.63% last month. As a reminder, don’t forget to sign up for the cashback campaigns at they run regularly, and they offer a quick way to improve the returns of your portfolio.


The XIRR is also very similar to January’s, at 11.90% for this month versus 11.83% for February.


The XIRR increased once again, reaching 11.97%. Robo.cash is slowly recovering from the long cash drag that plagued it several months ago.

Other companies

As usual, I didn’t compute the XIRR for several companies. For Finbee and Monestro, it’s because I need to update or write the review. For CrowdEstate, BulkEstate and the very new Crowdestor, the reason is simply that I need to wait until the projects complete. I could actually provide a XIRR for CrowdEstate as one of the projects I invested in yields monthly interests, but it’s not typical from this platform’s investments.

Aggregate portfolio XIRR

That’s a value I’m really interested in; it shows the effect of the various portfolios size. It’s compute this value by simply taking the average of the XIRR for each company, weighted by its amount. This month it’s slightly down at 17.72%, versus 17.95% last month. I’m still very pleased by this result !

XIRR evolution

Earlier values until October (included) were provided by the platform or crudely estimated; from November onwards they were computed using the method outlined in this article.

Apart from Bondora’s continual downtrend, the results for most platforms are rather regular.

P2P Lending companies returns

Current allocation

I withdrew some money from Omaraha, and split this amount between Grupeer, Finbee, and a very tiny Crowdestor portfolio. This portfolio is so small compared to the other companies that there’s no legend for it ! (it’s located between CrowdEstate and Grupeer on the pie chart)

P2P lending companies allocations for February 2018

New platforms

I’ve had a portfolio for a long time at Finbee and I still have to write the review. It’s a rather complex platform with many options, and I lack time to explore it totally. But first, I  urgently need to update both Bondora and Investly reviews in order to reflect my current opinion !