Robocash’s newest year-end survey has revealed that peer-to-peer investments have a robust place in buyers’ portfolios, however respondents didn’t plan to considerably enhance their P2P share.
In accordance with the survey, the vast majority of buyers met their funding objectives (53 per cent) final 12 months, with solely 12 per cent saying they haven’t achieved them.
Regardless of their attractiveness, it appears that evidently P2P investments have handed the height of their qualitative development. The share of the asset in respondents’ portfolios is rising, however reasonably.
Solely 12 per cent of buyers noticed important development. “This is smart on condition that it’s changing into exponentially harder to extend funding quantity over time,” the analysts added.
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Virtually a 3rd (29 per cent) of buyers rated change traded funds (ETFs) as their most popular kind of funding, based on the survey.
Client P2P loans (22 per cent) and inventory shares (19 per cent) had been the second and third hottest choices, remaining in roughly the identical positions as a 12 months earlier.
“The demand for ETFs continues to develop each in Europe and globally, given the wonderful risk-return ratio and the expansion of particular funding choices world wide,” mentioned the platform’s analysts.
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When requested about their technique for 2025, nearly half (46 per cent) mentioned they plan to stay with final 12 months’s technique.
Nevertheless, 20 per cent of respondents mentioned they plan to vary the proportion of portfolio belongings. The favourites are P2P investments, shares, and ETFs, that are already the most well-liked asset amongst respondents at the moment. Forex and financial institution deposits stay the least enticing.
“To all appearances, super-safe deposits at the moment nonetheless clearly don’t attain the deliberate profitability of many options within the more and more favourable-looking funding market,” the analysts mentioned.
The survey was responded to by 521 folks from 28 European nations, however 30 per cent of the respondents had been German.
Learn extra: European P2P market may develop by 4.4pc subsequent 12 months