Investment platform Robocash noted that in the coming year, crypto and P2P investments together claim to occupy a “major share” of the optimal investment portfolio. A strategy focusing on these alternative instruments can bring an investor a “real return of up to 43%.”
However, this is a very general analysis and individual results may vary drastically. Carrying out one’s own research and due diligence is vital and investors must keep in mind that time in the market in better than timing markets.
Analysts of the Robo.cash platform claim that have built more than a dozen portfolio combinations from 9 assets to “determine the optimal investment portfolio for 2025.”
The study found two general strategies сentered “on investors’ return and risk preferences.”
The first involves investing “most of the money” in P2P lending (74.37%), deposits (17.04%) and bonds (7.44%).
The real return on such a portfolio in 2025, on average, could be “7.57% with a risk of 0.40%. This approach allows investors to “predict more stable returns and have moderate risks,” – the analysts explained.
The second strategy settles on risky instruments, “namely cryptocurrencies. Next year only they can bring a real yield of 79.84%, but also increase the risks to 14.80%.”
As noted in the update shared with CI:
“The probability of losses here is high, but so is the potential for returns. Cryptocurrencies are becoming more and more a part of our lives, and entire nations are stockpiling strategic reserves of this asset, so it’s important to learn how to control their risk.”
In combination, these two approaches can form the “most optimal portfolio for 2025.” Estimates suggest that half of this portfolio will be “taken up by cryptocurrencies.”
P2P lending (37.2%), and bank deposits (8.5%) will be in the “top three.”
The remaining 4.3% will be spread between “government bonds, real estate and precious metals. Such a portfolio can bring an investor up to 43.7% real return with a tangible risk of 7.6% of the portfolio size.”
The analysts at Robocash summarize:
“All in all, we see the focus changing to non-fixed income instruments in 2025. But the investor’s final choice in favor of one or another strategy will depend on a number of different factors, such as economic stability, inflation, interest rates and of course personal financial goals.”
As clarified in the update, the research included stocks, deposits, bonds, P2P, cryptocurrency, commodities, precious metals, real estate, and the US dollar.
As covered, Robo.cash is a Croatia-based “fully automated” investment platform with a buyback guarantee on investments operating within the European Union, the UK as well as Switzerland.
Launched in Feb 2017, the platform belongs to the financial holding UnaFinancial that provides fintech services across markets in Asia and Europe.
As a part of the holding, Robo.cash works according to a “peer-to-portfolio” model providing an opportunity to invest in “consumer and commercial loans issued by the affiliated companies.”
As of November 1, 2024, it has attracted €90M of investments and “funded over €1 B worth of loans.”
In October 2024, the Robocash platform reached a milestone on its journey — the funding volume “surpassed the €1 billion mark.” A greater investor awareness of P2P lending brought Robocash its “first €100 M in 2019.”
At the end of 2022, the amount has reportedly increased fivefold.
Notably, the volume of purchased loans on the platform has been “fluctuating throughout 2024, averaging €22 M monthly.”
In addition to market “swings”, this is mainly caused “by the reduced supply, which reflects the needs of the business.” And the platform’s investor base has been steadily “approaching 40,000 users.”
The popularity of Robocash is said to be notable in Germany, France, and Spain.
In 7 years, the platform has generated a “stable income of €28 million for its investors.”