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 putting real money into P2P and ETFs since 2017 — 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 figure is from my own capital. If I haven't invested in something, I won't pretend I have.
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.