Economic recovery shuffles investor portfolios in favor of P2P

As stocks and real estate lose their steam, P2P and high-risky assets strengthen market positions, and vice versa. With the financial fluctuations, the correlation between P2P investments and other assets is intensifying.

In 2019, the volume of P2P platforms was growing smoothly while the stock market was falling. With the onset of the pandemic, stocks began to rebound and P2P investments decreased. "When investors reduce their P2P portfolio, they choose other assets such as securities." - Robocash analysts comment on the statistics.

A similar situation is observed with the real estate market. Since mid-2018, real estate transactions in Europe were declining while P2P investments were rising. After the pandemic began, investors redirected their funds into more familiar markets like real estate. "Such investor behavior can also be guided by favorable events in the market, like falling prices for housing." - the experts note. 

Before the pandemic, there was an inverse correlation between P2P investments and cryptocurrency. As bitcoin fell, P2P investments grew. However, at the end of 2020, the change in cryptocurrency market volume began to match the change in the P2P market. "Investors are probably considering the same factors when reviewing their investments in P2P and cryptocurrencies, since both offer solid returns as alternative investments." - the analysts add.

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