Christmas influences portfolios of 37% of European investors

In a survey of the P2P platform, 37.2% of European P2P investors said that Christmas has an effect on their investments. During the festive time, most of them review their portfolios, increase the volume of funds or try new types of investments. 

According to the results of the survey, 12.0% of European P2P investors redistribute funds in their portfolios during the Christmas time. 11.8% of respondents increase the volume of invested money, and another 8.2% try new types of investments. Only 5.2% mentioned that they withdraw part of the invested funds or the earned interest. 

Analysts of the company point out that the tendency to increase the size of portfolio before Christmas may be characteristic of experienced investors who invest not only in P2P lending but also in the stock market. According to the findings of, the share of P2P investors who prefer investing in stocks amounts to 25.3%. In November and December, many companies receive higher profits due to the increased consumer demand before the holidays. As a rule, this causes stock markets to grow before Christmas, so the investors review their portfolios and increase the funds to receive bigger profits.

At the same time, the desire to try something new in the Christmas period, including other types of investments, may be fuelled by the holiday spirit. Besides, before the new year, investors usually have more spare time, which they can spend to study new assets.

The survey was conducted by in November. Altogether, it involved 440 European P2P investors.


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.