- P2P interest: EUR 274.94 for February, +19.2% on the prior month.
- Mintos led with 53.1% of the month's interest.
- Meesman ETF fund price moved -0.73% over the month.
01Income & performance
February produced EUR 274.94 in net P2P interest after tax. That’s up +19.2% on the previous month.
| Platform | Interest | Share | Return on position |
|---|---|---|---|
| Mintos | EUR 146.05 | 53.1% | 0.96% |
| PeerBerry | EUR 70.82 | 25.8% | 0.7% |
| Nectaro | EUR 58.07 | 21.1% | 0.99% |
| Total | EUR 274.94 | 100% |
The "return on position" column is that month's interest over the position's value at the start of the month -- a monthly rate, not annualized. Income figures are net interest received after withholding tax, straight from each platform's export.
02Transactions
- Mintos: -EUR 52 withdrawn.
- Nectaro: -EUR 200 withdrawn.
03Portfolio development
Allocation across the four positions at the end of February in euros and percent:
- Mintos P2PEUR 15,299 · 34.2%
- PeerBerry P2PEUR 10,157 · 22.7%
- Nectaro P2PEUR 5,723 · 12.8%
- Meesman ETF Global equitiesEUR 13,569 · 30.3%
04Platform notes
Mintos -- bond coupons are lumpy, so its monthly interest swings; February came in at EUR 146.05 (a 0.96% return on the position for the month).
PeerBerry -- steady as ever at EUR 70.82, about 0.7% on the position. It just keeps paying.
Nectaro -- EUR 58.07 this month. I trimmed it earlier in the year, so the income dipped with the smaller balance; I'm letting it grow back toward EUR 5k.
Compare the platforms I actually use
Regulation status, my realized return and the single risk I'd flag for each -- sortable, no affiliate ranking.
05Market & news
Mintos applied for a full banking licence in February. If it lands, Mintos moves from an investment-firm footing to a bank one -- deposit insurance up to EUR 100,000 and full EU passporting. That's a real credibility upgrade for the platform holding the biggest slice of my P2P money, though approval is a long road, not a done deal. I'm treating it as a positive signal, not a reason to add yet. (Mintos)
06What I'm watching
- Nectaro's income recovering as I let the position build back toward EUR 5k.
- Mintos secondary-market costs eating into an otherwise solid interest month.
- Keeping cash drag low while staying picky about new notes.