01What this is
A monthly, numbers-first log of one European portfolio split across P2P lending platforms and ETFs. Every month I publish what I earned, what I moved and why, where the money sits, and what's worrying me — calculated the same way each time so you can follow the thread, not just a highlight reel.
The part I care most about, and the part most blogs skip, is the loan-originator work: the lenders behind the platforms are where the real risk lives, so that's where I spend my attention.
02Who's writing
I'm a European retail investor who has been active in P2P and ETFs for a long time — through defaults, a pandemic and a full rate cycle. I work in tech, I'm not a financial adviser, and I have no qualification I'm trading on here. What I have is a long, documented track record and a habit of reading the financial statements other people skim.
I write under a pen name and publish percentages rather than euro balances — not to hide anything about the strategy, but because broadcasting exact figures under a findable identity is a security risk with no upside for you. The methodology page explains exactly what I disclose and why.
03How it stays independent
No platform pays for a place in the rankings or a kinder review. The site is funded by affiliate links, clearly marked, on platforms I already use — explained in full on the disclosure page. Every return shown is from a live position. If I'm not invested in something, it doesn't appear here.
04What you can do with it
Read it as one investor's open ledger, not as advice. Steal the methodology if it's useful, argue with the calls, and check my work — I publish enough for you to. If you spot a mistake, tell me and I'll fix it in the open.