Lastly, in September 2017, I published a report on my P2P lending experiences. Well, I’ve been a member of Fixura for more than half a year now, and the interest I’ve earned so far has reached the provider’s costs. Since then, more than a year has passed, Fixura is using my capital. Today, I see that €1,500 (capital was almost never fully invested, even though it was set for auto-investment) has gained €130.52 interest, minus the provider costs of € 51.11, one (recoverable) non-paying loan, (I believe if I can see it recovered), the rest fall into a category that no one knows why, but they late payers. 5 loans are 180 days late, 6 loans are 90-180 days late, and 6 loans are 60-90 day late and only 8 loans are paying in time. I think, that at the end I will end with loss, but it is far from over. That’s why I decided to withdraw €500 from my account and try another provider. I will give more details about it in another post. My portfolio currently looks like this:
