Recently, the P2P platform Robo.cash completed a survey of European P2P investors dedicated to their financial results in 2019. Over half of participants said that the alternative lending brought them the highest returns last year. The company expects that despite the coronavirus pandemic, the segment will keep the leading positions in 2020.
Namely P2P loans proved their reputation of the most profitable assets type in the past year, as indicated by 52.8% of respondents. The next most popular answers, albeit with a significant gap, were shares and ETFs, mentioned by 19% and 16.9% of investors respectively. Some other profitable investment assets included real estate (2.6%), bonds (2.2%) and business loans (1.7%).
Realizing the good performance of the P2P segment, 84% of investors increased its share in their portfolios last year. 24.2% increased it by 25%-50%, 21.2% — by 50%-100%, and 16% — more than doubled it.
Sergey Sedov, CEO of Robocash Group, shared his expectations concerning P2P investments this year: “We hope that the attitude of investors towards the P2P segment will not significantly change during 2020 despite the current situation in the markets. Согласно нашему опросу, проведённому в марте, пандемия не затронула 79,5% P2P-портфелей европейских инвесторов. Moreover, this year, investors can benefit from even higher interest rates on P2P loans, as many platforms increased them to adapt to the changing market conditions. At the same time, the income from these investments remains stable compared to other assets, such as shares. It is important, however, to choose a financially sustainable company with a strong track record and strict borrower scoring policy to invest in.”
Robo.cash is a Croatia-based fully automated P2P platform with a buyback guarantee on investments operating within the European Union and Switzerland. Launched in February 2017, the platform belongs to the financial holding Robocash Group that unites non-bank consumer lending companies in seven markets in Europe and Asia. As a part of the group, Robo.cash works according to a “peer-to-portfolio” model providing an opportunity to invest in consumer and commercial loans issued by the affiliated companies. For the time of operation, it has attracted over €9 mln of investments, which has allowed to finance €150 mln worth of loans.
