Investors unlikely to increase P2P allocations this year

Robocash’s latest year-end survey has revealed that peer-to-peer investments have a strong position in investors’ portfolios, but respondents did not plan to significantly increase their P2P share.

According to the survey, the majority of investors met their investment goals (53 per cent) last year, with only 12 per cent saying they have not achieved them.

Despite their attractiveness, it seems that P2P investments have passed the peak of their qualitative growth. The share of the asset in respondents’ portfolios is growing, but moderately.

Only 12 per cent of investors saw significant growth. “This makes sense given that it is becoming exponentially more difficult to increase investment volume over time,” the analysts added.

Read more: Europeans are accepting greater risk in search of higher returns

Almost a third (29 per cent) of investors rated exchange traded funds (ETFs) as their preferred type of investment, according to the survey.

Consumer P2P loans (22 per cent) and stock shares (19 per cent) were the second and third most popular options, remaining in roughly the same positions as a year earlier.

“The demand for ETFs continues to grow both in Europe and globally, given the excellent risk-return ratio and the growth of specific investment options around the world,” said the platform’s analysts.

Read more: Palmer Square Capital Management to launch trio of European CLO ETFs

When asked about their strategy for 2025, almost half (46 per cent) said they plan to stick with last year’s strategy.

However, 20 per cent of respondents said they plan to change the proportion of portfolio assets. The favourites are P2P investments, stocks, and ETFs, which are already the most popular asset among respondents today. Currency and bank deposits remain the least attractive.

“To all appearances, super-safe deposits today still obviously do not reach the planned profitability of many alternatives in the increasingly favourable-looking investment market,” the analysts said.

The survey was responded to by 521 people from 28 European countries, but 30 per cent of the respondents were German.

Read more: European P2P market could grow by 4.4pc next year