2022 optimal investment portfolio to yield 13.7%

A portfolio with an optimal risk-return ratio by the end of 2022 could yield 13.7%. Its largest share is occupied by P2P lending.

In their latest study, Robocash investment platform analysts presented the optimal asset distribution* in the investor's portfolio with the balance of risk and reward. To сompile a forecast for 2022, the best extrapolations of assets were taken using the Hodrick-Prescott filter.

Thus, the first place among other instruments is occupied by P2P investments (35%). “P2P lending fits into the acceptable risk level and offers higher returns than deposits and bonds”. - platform specialists comment.

Bonds come second (23%), and ETF & REIT occupy the  third place (17%). Cryptocurrency and futures account for the smallest share among all assets (7% each). 

With this asset allocation, portfolio risk could potentially be 11%. For comparison, the so-called aggressive approach with a focus on maximum return involves investing in 100% risky assets, while the conservative strategy with the lowest income is backed by 90% risk-free instruments.

According to our calculations, the optimal portfolio consists of 42% of risky assets and 58% of low-risk assets. In this case, some instruments can balance out the fall of others, thereby increasing the total portfolio return and minimizing the likelihood of losses”. - experts sum up their research.

* - futures, P2P lending, stocks, bonds, currency, bank deposits, cryptocurrency and investment funds were considered as the main assets.


Robocash d.o.o (“Robocash”) is a company registered in the Republic of Croatia under registration No. 081224371, with legal address at Petračiceva 4, Zagreb, Croatia, 10110.

Robocash is not regulated under any financial services license. When you invest on Robocash, you buy claim rights for loan receivables and investments in loan receivables are subject to risks. We advise diversifying investments and carefully evaluating the risks.