- P2P interest: EUR 281.46 for May, +19.1% on the prior month.
- Mintos led with 58.0% of the month's interest.
- Meesman ETF fund price moved +7.03% over the month.
01Income & performance
May produced EUR 281.46 in net P2P interest after tax. That’s up +19.1% on the previous month.
| Platform | Interest | Share | Return on position |
|---|---|---|---|
| Mintos | EUR 163.28 | 58.0% | 1.05% |
| PeerBerry | EUR 73.43 | 26.1% | 0.71% |
| Nectaro | EUR 44.75 | 15.9% | 0.94% |
| Total | EUR 281.46 | 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 2000 added.
- Meesman ETF: +EUR 300 -- automatic monthly contribution.
03Portfolio development
Allocation across the four positions at the end of May in euros and percent:
- Mintos P2PEUR 17,513 · 36.4%
- PeerBerry P2PEUR 10,376 · 21.5%
- Nectaro P2PEUR 4,785 · 9.9%
- Meesman ETF Global equitiesEUR 15,484 · 32.2%
04Platform notes
Mintos -- bond coupons are lumpy, so its monthly interest swings; May came in at EUR 163.28 (a 1.05% return on the position for the month).
PeerBerry -- steady as ever at EUR 73.43, about 0.71% on the position. It just keeps paying.
Nectaro -- EUR 44.75 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
A busy month. PeerBerry funded EUR 35.6M in loans (+35% on April) and announced rate increases from 3 June, with several short-term originators moving to around 10%. (PeerBerry) Nectaro launched "AutoPilot", an auto-invest-everything tool -- convenient, but it removes the originator selection that's the whole point of being picky, so I'll pass. And Mintos' Nera Notes missed their first scheduled principal repayment (due 20 May) amid the ongoing SRA review; the recovery timeline is now genuinely anyone's guess. (Mintos update)
06What I'm watching
- Nectaro's income recovering as I let the position build back toward EUR 5k.
- Mintos' realized return catching up as the quarterly and half-yearly bond coupons pay out.
- Keeping cash drag low while staying picky about new notes.
07Year-to-date returns
With current account values reconciled, here are the real annualized returns (XIRR) on each position, net of fees, tax and realized capital costs:
| Position | Return p.a. | Allocation |
|---|---|---|
| Nectaro | 13.38% | 9.8% |
| PeerBerry | 9.19% | 21.3% |
| Mintos | 7.56% | 36.0% |
| Meesman ETF (global equity) | +12.59% | 32.8% |
| Weighted P2P | 8.93% | 67.1% |
The headline that surprises people: Mintos has the most money but the lowest annualized return (7.56% p.a.). That's mostly a timing artifact, not weak performance: my Mintos holdings are bonds with mixed coupon schedules -- some pay monthly, others quarterly or only half-yearly -- so over a five-month window a large share of the interest I've already earned hasn't been paid out yet, and a realized XIRR only counts cash actually received. The figure should climb as the quarterly and semi-annual coupons land. Meanwhile Nectaro has quietly been my best P2P performer at 13.38%; I trimmed it recently but I'm letting it grow back toward EUR 5k.