I am very interested in how people currently perceive P2P investing.
A few years ago, it was everywhere, but now it seems that the standard advice is "just ETFs, ignore the rest." I mostly follow this approach, but I still keep a small allocation to P2P for diversification.
For me, P2P only works as:
a small part of my portfolio
something outside the public markets
an experiment, not a core strategy
I've been using one platform in the EU for some time (that's not the topic of this post, I don't want to promote anything here). The experience has been... okay. Nothing magical, nothing terrible – just another tool with its own risks and compromises.
It is clear that:
there is a platform risk
buyback guarantees are not real guarantees
it can go wrong, especially in unfavorable macroeconomic conditions
This is not advice or a recommendation. I'm just interested in what the community thinks about it.
So:
are you still investing in P2P, or have you completely abandoned it in favor of ETFs/stocks?
If anyone really wants specific information, I'll be happy to answer in the comments or DM – but I'm interested in the discussion itself.
Here is printscreen of my portfolio as an example:
[https://imgur.com/a/P7kDk4P](https://imgur.com/a/P7kDk4P)
[https://imgur.com/a/hP2IYM4](https://imgur.com/a/hP2IYM4)
