# P2P lending - experience

**URL:** https://forum.mustachianpost.com/t/p2p-lending-experience/85
**Category:** Investing / Portfolios
**Created:** [November 17, 2016, 7:03am UTC](https://forum.mustachianpost.com/t/p2p-lending-experience/85 "2016-11-17T07:03:23Z")
**Posts on this page:** 1
**Showing post:** 28

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### Author: ![Tino](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/tino/32/2374_2.png) [@Tino](https://forum.mustachianpost.com/u/Tino)
#### Post date: [January 13, 2020, 8:23pm UTC](https://forum.mustachianpost.com/t/p2p-lending-experience/85/28 "2020-01-13T20:23:55Z")

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My experience:

I’ve been in crowdfunding since may last past year. At first I started really slow because I was afraid but after some months trying, I decided to invest a bigger amount. In total I had more than 50kE invested.  
I had Bondora, Crowdstate, Envestio, Viainvest, Fastinvest, Mintos, Estateguru and Grupeer.  
I closed all the acounts except Mintos, Grupeer and Estateguru, mainly because I have still some loans that I cannot recover.

The results? Well… not too well. In total, with the currency movements, in CHF I had:

- TTWRR: 1.32%
- IRR: 1.61%

If I do the global in EUR (no currency exchanges):

- TTWRR: 7.06%
- IRR: 9.92%

I decided to stop all the investments and recover the money as soon as possible when has been proved that the platform Kuetzal is a complete scam, a ponzi system and probably nobody is going to recover the money.  
Mintos had 3 or 4 loan originators with problems, in Kosovo, etc. Is a long history and you can find lots of report in internet… For me, from 2482 EUR of benefits, I have blocked with Monego, iuCredit, Aforti… 2300EUR, so practically I didn’t have any benefits. Still there is not completely lost but for the moment they are not paying… so…

In Estateguru, I have 102 EUR of incoming but a load default and I’ve lost 68EUR that I don’t know if I’ll recover. That was 4 months ago.

To finish, I discover lots of bad histories about how the loan originators recover the 20, 30 and 35% interest loans given in several poor, poor countries… I don’t want to win money with the miseries and poor people in Africa or Russia.

So, my **strong** recommendation… There are several REITS and ETF for gaming with money you don’t need. A simple research will give you instruments with 9, 10, 11% interest and at least they are regulated, and safer to invest.

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