The Robocash platform surveyed European investors about how 2025 performed in terms of investments.
Currently, the top assets in investor portfolios are ETFs (30%), stocks (21%) and P2P loans (21%). The first two have shown growth since last year, while the share of P2P has slightly declined.
Despite the decrease, the overall P2P portfolio size continues to expand. Notably, the percentage of investors whose P2P holdings exceed €30,000 has grown since 2023, indicating a rising confidence towards P2P investments.
A key strategy for investors in expanding their P2P portfolios is reinvesting earnings from previous investments (52%). In second place is increased investment in previously selected platforms. “Although the P2P market has remained a relatively calm environment in recent years, investors still prefer to choose platforms that have stood the test of time. This cautious approach reflects their desire for stability and reliability”. - Robocash analysts comment.
When asked about the most influential factors affecting their investment decisions, respondents increasingly highlighted the state of the economy (38%) and their own market analysis (35%), which signals a more informed and proactive investment approach.
“Overall, these insights suggest a dynamic investment landscape where traditional assets continue to grow in importance, while P2P remains a significant component of diversified portfolios. Stronger ties to existing platforms suggest investors value reliability and predictable outcomes as much as opportunities for higher returns”. - the specialists add.
