- P2P interest: EUR 236.38 for April, +17.5% on the prior month.
- Mintos led with 44.8% of the month's interest.
- Meesman ETF fund price moved +0.85% over the month.
01Income & performance
April produced EUR 236.38 in net P2P interest after tax. That’s up +17.5% on the previous month.
| Platform | Interest | Share | Return on position |
|---|---|---|---|
| Mintos | EUR 105.99 | 44.8% | 0.69% |
| PeerBerry | EUR 71.46 | 30.2% | 0.7% |
| Nectaro | EUR 58.93 | 24.9% | 1.08% |
| Total | EUR 236.38 | 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
- Nectaro: -EUR 800 withdrawn.
03Portfolio development
Allocation across the four positions at the end of April in euros and percent:
- Mintos P2PEUR 15,485 · 34.6%
- PeerBerry P2PEUR 10,303 · 23.0%
- Nectaro P2PEUR 4,740 · 10.6%
- Meesman ETF Global equitiesEUR 14,188 · 31.7%
04Platform notes
Mintos -- bond coupons are lumpy, so its monthly interest swings; April came in at EUR 105.99 (a 0.69% return on the position for the month).
PeerBerry -- steady as ever at EUR 71.46, about 0.7% on the position. It just keeps paying.
Nectaro -- EUR 58.93 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
PeerBerry kept compounding the growth story -- outstanding portfolio up to a fresh record EUR 122.6M. (ref) On the other side of the ledger, the Mintos Nera Capital situation rumbled on with no resolution and no interest flowing. Nothing to do but watch it if you're holding those notes -- which is a good argument for not holding many.
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.