Independent · numbers-first · since 2017

Investing in European P2P and ETFs, accounted for in the open.

Every month I publish exactly what the positions returned, what I moved and why, and the loan-originator credit work most platforms would rather you skip. No bonus widgets, no hype.

Zero paid placements — ever All returns from live positions Methodology published

Portfolio snapshot — May 2026

Profit since 1 Jan 2026
EUR 2,880
+6.5% YTD
Weighted P2P return
8.9% p.a.
net XIRR, YTD
ETF return, YTD
+12.6%
Meesman global equity
Total portfolio
EUR 48.7k
across 4 positions

Figures from my own platform exports. How these numbers are calculated →

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Monthly update

May 2026: income hits a year-to-date high, led by Mintos

May brought EUR 281 in net P2P interest. Mintos did the heavy lifting; the Meesman ETF fund price moved +7.0% on the month. Figures reconstructed from my own platform exports and current balances.

5 min
Monthly update

April 2026: a steady month before the May pickup

April brought EUR 236 in net P2P interest. Mintos did the heavy lifting; the Meesman ETF fund price moved +0.8% on the month. Figures reconstructed from my own platform exports and current balances.

5 min
Monthly update

March 2026: the quiet month, income dips to EUR 201

March brought EUR 201 in net P2P interest. PeerBerry did the heavy lifting; the Meesman ETF fund price moved -0.7% on the month. Figures reconstructed from my own platform exports and current balances.

5 min
Monthly update

February 2026: a Mintos coupon spike lifts income 19%

February brought EUR 275 in net P2P interest. Mintos did the heavy lifting; the Meesman ETF fund price moved -0.7% on the month. Figures reconstructed from my own platform exports and current balances.

5 min
Monthly update

January 2026: opening the year at EUR 231 in P2P interest

January brought EUR 231 in net P2P interest. Mintos did the heavy lifting; the Meesman ETF fund price moved +2.5% on the month. Figures reconstructed from my own platform exports and current balances.

5 min

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The foundations

Why you can trust the numbers

0 paid
No platform has ever paid for a better score or a higher position in this table. Affiliate links are clearly marked — they don't change a single number shown.
100%
Every return shown is from a live position. If I'm not invested in it, it doesn't appear here. No hypotheticals, no demo accounts.
Open
The full methodology is published. How returns are calculated, what counts as realized, how I treat recoveries — all of it, so you can check the work.