My own experience with P2P is that it may work if you put a lot of work into it, but I strongly believe that the ROTI (Return On Time Invested) is not worth the 10-12% gain, if you include
- tax loss - marginal tax rate of up to 35-40%
- currency risk - Look at the swings in EUR-CHF
- platform risk - I have no guarantee of what you’re actually buying
IMHO, The rates would have to be above 25% to justify the risk, the return for an hour invested should start at 60-70 CHF.
Otherwise it’s a hobby, not an investment.
For people with regular jobs, hardly anything beats buying broad market ETFs once a month. If you need real estate in your portfolio, go for a Swiss RE fund.