European P2P returns 12pc in year to date
European peer-to-peer lending investments have returned an average of 12 per cent in the year to date, making them the fourth most profitable investment class of 2022.
According to a new analysis by Croatia-based platform Robo.cash, P2P lending is one of the strongest portfolio additions during periods of financial instability.
After reviewing a number of indices and stocks, Robo.cash found that the largest increase in the first half of this year was shown by natural gas, which is up 107.8 per cent.
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In second place is Brent oil, which is up 39.3 per cent, and this is followed by palladium, which has increased by 15.6 per cent since the start of the year.
P2P investments are in fourth place, with an average return of 12 per cent in the first half of the year.
Cryptocurrencies saw the biggest decline in returns, with losses of 67.1 per cent since the start of the year.
Robo.cash calculated that a combination of cryptocurrency and bond investments would have delivered some of the worst portfolio losses of 2022, while a portfolio compiled of P2P investments, natural gas, Brent oil and palladium would have delivered returns of approximately 23.8 per cent.
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“Economic uncertainty, which peaked in the first half of 2022, challenged investors to reconsider finance instruments in terms of risk-reward ratio,” said the Robo.cash analysts.
“The combination of natural gas, Brent oil, palladium, P2P, dollar index and deposits has the highest return of over 23.8 per cent in the first seven months of 2022. Cryptocurrencies and bonds together, according to experts, can bring the greatest losses.”
Robo.cash noted that all calculations were based up on historical returns and are no indication of future performance.
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