European P2P investors have been shifting their focus to diversification.
The analysts of the European investment platform Robo.cash stated that the volume of investment in long-term loans on the platform “is 21% higher than the investment in short-term.” Meanwhile, 32% of customers “diversify their portfolio by investing in an extended range of loans.”
As noted in the update from Robo.cash:
“The share of investors who consider short-term loans (from 7 to 60 days) as a full-fledged strategy is slowly decreasing and currently stands at 14%. Such changes indicate a trend towards investing in a wide range of loans. The majority of investors (32%) choose the strategy of maximum diversification and include all available types of loans on the platform to their portfolios.”
That’s why it’s too early to talk about the decrease in the share of those who might prefer “only short-term loans,” the analysts at Robo.cash noted.
They also shared that 34% of clients include long-term loans in their portfolio “from 6 months to 2 years.” Notably, those who already invest in loans of six months or more “generally choose loans for a longer period of two years,” the Robo.cash team noted while adding that “only 1% of investors choose merely the loans of the period from one to two years as an investment strategy.”
The Robo.cash analysts added:
“Long-term loans are considered by proficient investors primarily as a tool to expand the portfolio. In a way, it is also an indicator of the growing trust in the platform. Along with the gaining popularity of the reinvestment strategy, this shows the consolidation of the P2P market in general, despite the difficult economic situation last year.”
In a separate update, the Robo.cash team noted that they are pleased to end September with new achievements on the platform and in the Group.
Last month, loans worth 13.1 M euro “were funded and [the platform] hit an all-time high of 300 M financed since the launch of Robo.cash.” As mentioned in the update, there were 602 investors that joined Robo.cash, “adding to more than 19,000 registered on the platform now.”
The P2P lender further noted that the month of September 2021 “brought investors a record 265,000 Euros.”
Robocash Group released the consolidated financial report for H1 2021. Their parent holding has issued $326.5 million worth of loans, “surpassing last year’s results for the same period ended by a staggering 134.1%.”
You may access the Summary Combined Financial Statements with the Independent Auditor’s Report here.