Aurum von Die-P2P-Macher's P2P Portfolio

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Aurum von Die-P2P-Macher's P2P Portfolio

XIRR

Values in %. Top value includes bonuses, bottom value excludes bonuses. Green = above 10%, red = below 5%.

Platform	All Time	2026	2025	2024	2023	2022
Asterra Estate	29.07 15.59	20.31 16.75	63.99 12.07
Bondora Go & Grow	6.52 6.52	5.78 5.78	6.39 6.39	6.75 6.75	6.77 6.77	6.75 6.75
Devon	21.14 15.75	16.64 16.64	24.87 15.16
Estateguru	9.27 9.06			8.66 8.59	11.72 11.69	1.50 0.00
FF Forest	23.33 16.77	23.33 16.77
Income	13.81 13.74	12.32 12.32	14.85 14.85	13.09 13.09	13.64 13.64	13.01 10.83
Loanch	23.37 15.48	22.13 14.85	23.04 15.18	23.47 16.81	49.39 1.80
Maclear	23.26 17.74	31.00 31.00	19.62 17.66	20.87 15.75	71.04 10.07
Monefit	9.18 7.47	7.61 7.61	7.67 7.67	8.31 7.48	11.11 7.38	2.46 2.46
MyPeak Finance	116.11 0.00	116.11 0.00
Nectaro	24.34 11.96	20.89 12.38	21.89 11.89	39.64 11.91
Quanloop	9.26 9.26	9.26 9.26
Ventus Energy	26.86 19.17	19.22 19.22	24.16 19.00	260.87 24.84
Total	17.94 12.90	18.86 15.51	19.71 13.96	17.89 12.17	13.66 8.03	6.93 6.62

Cash Drag

Values in %. Average uninvested capital percentage. Lower percentages (green) indicate better capital efficiency.

Platform	All Time	2026	2025	2024	2023	2022
Asterra Estate	6.99	0.60	17.70
Bondora Go & Grow	-0.00	-0.00	0.00	-0.00	-0.00	-0.00
Devon	3.90	0.56	5.93
Estateguru	5.90			7.42	3.02	0.25
FF Forest	10.19	10.19
Income	4.39	11.89	5.44	3.10	2.72	3.86
Loanch	2.49	2.12	4.10	1.30	0.05
Maclear	4.37	2.80	2.33	4.98	36.38
Monefit	0.00	0.00	0.00	0.00	0.00	0.00
MyPeak Finance	29.66	29.66
Nectaro	4.87	1.74	7.78	-5.25
Quanloop	0.00	0.00
Ventus Energy	1.71	0.61	1.99	3.89
Total	1.65	1.77	4.06	1.01	1.24	0.14

Income Projection

Expected earnings based on all-time XIRR (excluding bonus) and current balances

Platform	Current Balance	XIRR	Annual Projection	Monthly Projection	Daily Projection
Loanch	€55,068.57	15.48%	€8,527.04	€664.64	€21.72
Asterra Estate	€35,364.32	15.59%	€5,514.66	€429.65	€14.04
Ventus Energy	€25,804.53	19.17%	€4,947.90	€379.99	€12.40
Devon	€25,742.43	15.75%	€4,054.93	€315.72	€10.32
Nectaro	€17,301.20	11.96%	€2,068.47	€163.59	€5.35
Maclear	€15,278.47	17.74%	€2,710.63	€209.36	€6.84
Bondora Go & Grow	€11,308.78	6.52%	€737.55	€59.70	€1.96
FF Forest	€10,004.58	16.77%	€1,677.37	€130.07	€4.25
MyPeak Finance	€5,150.00	0.00%
Quanloop	€4,000.40	9.26%	€370.48	€29.64	€0.97
Monefit	€1,201.47	7.47%	€89.78	€7.24	€0.24
Income	€887.80	13.74%	€121.97	€9.58	€0.31
Estateguru	€250.00	9.06%	€22.66	€1.81	€0.06
Total	€207,362.55	12.90%	€30,843.46	€2,400.98	€78.47

Income

Breakdown of interest, bonuses, taxes, and fees by platform

Platform		Total	2026	2025	2024	2023	2022
Maclear	Interest: Bonus: Fee: Losses: Gross: Tax: Net:	€10,637.04 €2,559.39 -€0.00 -€0.00 €13,196.43 -€0.00 €13,196.43	€2,073.41 €0.00 -€0.00 -€0.00 €2,073.41 -€0.00 €2,073.41	€4,935.49 €479.79 -€0.00 -€0.00 €5,415.28 -€0.00 €5,415.28	€3,392.20 €1,015.00 -€0.00 -€0.00 €4,407.20 -€0.00 €4,407.20	€235.94 €1,064.60 -€0.00 -€0.00 €1,300.54 -€0.00 €1,300.54	-
Nectaro	Interest: Bonus: Fee: Losses: Gross: Tax: Net:	€6,954.88 €6,125.21 -€0.00 -€0.00 €13,080.09 -€654.00 €12,426.08	€1,758.39 €1,074.38 -€0.00 -€0.00 €2,832.77 -€141.64 €2,691.13	€4,215.09 €3,157.71 -€0.00 -€0.00 €7,372.80 -€368.64 €7,004.16	€981.40 €1,893.12 -€0.00 -€0.00 €2,874.52 -€143.73 €2,730.79	-	-
Loanch	Interest: Bonus: Fee: Losses: Gross: Tax: Net:	€7,980.73 €3,672.89 -€0.00 -€0.00 €11,653.62 -€0.00 €11,653.62	€1,484.18 €671.85 -€0.00 -€0.00 €2,156.03 -€0.00 €2,156.03	€3,653.24 €1,728.39 -€0.00 -€0.00 €5,381.63 -€0.00 €5,381.63	€2,831.87 €1,027.95 -€0.00 -€0.00 €3,859.82 -€0.00 €3,859.82	€11.44 €244.70 -€0.00 -€0.00 €256.14 -€0.00 €256.14	-
Ventus Energy	Interest: Bonus: Fee: Losses: Gross: Tax: Net:	€6,273.24 €1,922.23 -€0.00 -€0.00 €8,195.47 -€0.00 €8,195.47	€2,112.14 -€62.32 -€0.00 -€0.00 €2,049.82 -€0.00 €2,049.82	€3,944.79 €984.55 -€0.00 -€0.00 €4,929.34 -€0.00 €4,929.34	€216.31 €1,000.00 -€0.00 -€0.00 €1,216.31 -€0.00 €1,216.31	-	-
Devon	Interest: Bonus: Fee: Losses: Gross: Tax: Net:	€3,409.11 €980.00 -€0.00 -€0.00 €4,389.11 -€0.00 €4,389.11	€1,625.59 €0.00 -€0.00 -€0.00 €1,625.59 -€0.00 €1,625.59	€1,783.52 €980.00 -€0.00 -€0.00 €2,763.52 -€0.00 €2,763.52	-	-	-
Income	Interest: Bonus: Fee: Losses: Gross: Tax: Net:	€3,992.74 €13.91 -€0.00 -€0.00 €4,006.65 -€0.00 €4,006.65	€201.36 €0.00 -€0.00 -€0.00 €201.36 -€0.00 €201.36	€1,921.03 €0.00 -€0.00 -€0.00 €1,921.03 -€0.00 €1,921.03	€1,444.05 €0.00 -€0.00 -€0.00 €1,444.05 -€0.00 €1,444.05	€351.99 €0.00 -€0.00 -€0.00 €351.99 -€0.00 €351.99	€74.31 €13.91 -€0.00 -€0.00 €88.22 -€0.00 €88.22
Bondora Go & Grow	Interest: Bonus: Fee: Losses: Gross: Tax: Net:	€3,822.74 €0.00 -€2.00 -€0.00 €3,820.74 -€0.00 €3,820.74	€540.63 €0.00 -€2.00 -€0.00 €538.63 -€0.00 €538.63	€829.70 €0.00 -€0.00 -€0.00 €829.70 -€0.00 €829.70	€1,311.82 €0.00 -€0.00 -€0.00 €1,311.82 -€0.00 €1,311.82	€757.85 €0.00 -€0.00 -€0.00 €757.85 -€0.00 €757.85	€382.74 €0.00 -€0.00 -€0.00 €382.74 -€0.00 €382.74
Asterra Estate	Interest: Bonus: Fee: Losses: Gross: Tax: Net:	€2,205.53 €1,610.00 -€0.00 -€0.00 €3,815.53 -€0.00 €3,815.53	€1,829.82 €360.00 -€0.00 -€0.00 €2,189.82 -€0.00 €2,189.82	€375.71 €1,250.00 -€0.00 -€0.00 €1,625.71 -€0.00 €1,625.71	-	-	-
Monefit	Interest: Bonus: Fee: Losses: Gross: Tax: Net:	€3,031.47 €620.00 -€0.00 -€0.00 €3,651.47 -€0.00 €3,651.47	€35.65 €0.00 -€0.00 -€0.00 €35.65 -€0.00 €35.65	€959.46 €0.00 -€0.00 -€0.00 €959.46 -€0.00 €959.46	€931.26 €100.00 -€0.00 -€0.00 €1,031.26 -€0.00 €1,031.26	€1,103.09 €520.00 -€0.00 -€0.00 €1,623.09 -€0.00 €1,623.09	€2.00 €0.00 -€0.00 -€0.00 €2.00 -€0.00 €2.00
FF Forest	Interest: Bonus: Fee: Losses: Gross: Tax: Net:	€440.70 €150.00 -€0.00 -€0.00 €590.70 -€0.00 €590.70	€440.70 €150.00 -€0.00 -€0.00 €590.70 -€0.00 €590.70	-	-	-	-
Estateguru	Interest: Bonus: Fee: Losses: Gross: Tax: Net:	€555.12 €9.93 -€67.16 -€0.00 €497.89 -€0.00 €497.89	-	-	€283.23 €1.79 -€67.16 -€0.00 €217.86 -€0.00 €217.86	€271.89 €0.64 -€0.00 -€0.00 €272.53 -€0.00 €272.53	€0.00 €7.50 -€0.00 -€0.00 €7.50 -€0.00 €7.50
MyPeak Finance	Interest: Bonus: Fee: Losses: Gross: Tax: Net:	€0.00 €150.00 -€0.00 -€0.00 €150.00 -€0.00 €150.00	€0.00 €150.00 -€0.00 -€0.00 €150.00 -€0.00 €150.00	-	-	-	-
Quanloop	Interest: Bonus: Fee: Losses: Gross: Tax: Net:	€127.91 €0.00 -€0.00 -€0.00 €127.91 -€0.00 €127.91	€127.91 €0.00 -€0.00 -€0.00 €127.91 -€0.00 €127.91	-	-	-	-
Total	Interest: Bonus: Fee: Losses: Gross: Tax: Net:	€49,431.21 €17,813.56 -€69.16 -€0.00 €67,175.60 -€654.00 €66,521.60	€12,229.78 €2,343.91 -€2.00 -€0.00 €14,571.69 -€141.64 €14,430.05	€22,618.03 €8,580.44 -€0.00 -€0.00 €31,198.47 -€368.64 €30,829.83	€11,392.14 €5,037.86 -€67.16 -€0.00 €16,362.84 -€143.73 €16,219.12	€2,732.20 €1,829.94 -€0.00 -€0.00 €4,562.14 -€0.00 €4,562.14	€459.05 €21.41 -€0.00 -€0.00 €480.46 -€0.00 €480.46

Average Balance

Average daily account balance per platform. Sum of daily balances divided by the number of days in the period.

Platform	All Time	2026	2025	2024	2023	2022
Asterra Estate	€22,666.64	€28,789.61	€12,934.35
Bondora Go & Grow	€13,896.08	€23,388.37	€13,433.77	€20,083.79	€11,617.55	€6,171.53
Devon	€20,857.49	€25,703.94	€18,009.97
Estateguru	€2,515.58			€2,942.53	€2,472.24	€1,505.67
FF Forest	€8,304.69	€8,304.69
Income	€8,224.09	€4,187.97	€13,884.63	€11,762.65	€2,753.03	€2,136.84
Loanch	€22,446.54	€26,377.32	€25,933.40	€18,150.72	€10,197.57
Maclear	€24,565.53	€18,778.23	€30,387.59	€23,211.04	€13,371.15
Monefit	€12,004.64	€1,183.67	€12,980.07	€12,905.47	€15,537.06	€1,001.42
MyPeak Finance	€5,053.55	€5,053.55
Nectaro	€34,402.99	€36,971.37	€37,692.05	€23,013.06
Quanloop	€13,921.22	€13,921.22
Ventus Energy	€21,560.97	€28,386.54	€22,740.01	€4,372.60
Total	€91,508.76	€205,429.19	€173,348.99	€98,532.07	€35,541.47	€7,554.32