78% of investors start investing before the age of 35

According to a survey conducted by the P2P platform Robo.cash, 78% of P2P investors in Europe made their first investment before the age of 35. One of the reasons to begin investing early is connected with the long-term goals of investors who aim to save money for retirement or to support their children.

Among 600 respondents in total, 28.1% made their first investment in the age of 24-29. Another 22.5% mentioned that they started investing between 30 and 35, 21.2%  - between 18 and 23, and 6.3% - before 18. Only 22% began investing after 35. Given that many investors use the income to achieve long-term goals, it is no wonder that they start taking care of their savings in advance. Thus, 46.4% of P2P investors mentioned that their goal is to earn money for retirement, and 12.9% use the additional income to support their children.

Considering the type of assets, which investors choose for the first investment, shares are the most popular (34.4%). It is interesting that P2P lending ranked second by the same parameter, with 26.4% of votes. It left behind such segments as ETFs (12.2%), bonds (11.5%) and cryptocurrencies (4.4%). Analysts of the company note that despite its young age, P2P lending gains popularity among investors. It attracts them with high returns, reliability, ease of use, low minimum deposits and growth potential. For instance, AltFi’s P2P Lending Market Annual Report suggests that in 2018, the growth of marketplace industry in continental Europe amounted to 90.2%. That year, online lenders of the region disbursed 3.32 bn.


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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.