The number that catches people: Mintos holds the most money but shows the lowest annualized return (7.56% p.a.) — but that's largely a timing artifact. My Mintos money sits in bonds with different coupon schedules: some pay monthly, others quarterly or only twice a year. Over a five-month window a big chunk of the interest I've genuinely earned simply hasn't been paid out yet, so it doesn't show up in a realized (XIRR) figure that only counts cash actually received. Expect it to catch up as the longer-dated coupons land. (A smaller drag was some secondary-market repositioning.) Nectaro, which I trimmed recently and am letting grow back toward EUR 5k, has quietly been the best P2P performer at 13.38% — exactly the kind of thing publishing the numbers forces me to confront. The equity holding (Meesman global tracker) is doing the heavy lifting on total return this year at +12.59%.
I add EUR 300 to the ETF every month on autopilot — boring, automatic dollar-cost averaging, and the part of the portfolio I deliberately never tinker with. Those contributions are netted out of the profit figure above, so it reflects growth, not deposits.