Aurum von Die-P2P-Macher's Portfolio

This is another user's portfolio

The numbers on this page come from the account statements a P2P Dash user imported and chose to share. P2P Dash has not checked or verified them. This is not investment advice and not a recommendation to invest the same way. Past returns say nothing about future ones.

Ready to Transform Your P2P Portfolio Management?

Get professional-grade analytics with XIRR calculations, cash drag analysis, and complete portfolio insights across all your P2P platforms. Upload your data and get started in under 5 minutes.

Create Free Account

Income

Net income (income - expenses)

Platform Balance Evolution

Evolution of total balance for each platform

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	€27,573.96	€32,148.84	€12,934.35
Bondora Go & Grow	€13,705.06	€17,481.42	€13,433.77	€20,083.79	€11,617.55	€6,171.53
Devon	€20,950.49	€23,436.39	€18,009.97
Estateguru	€2,515.58			€2,942.53	€2,472.24	€1,505.67
FF Forest	€8,543.93	€8,543.93
Income	€7,623.42	€2,519.74	€13,884.63	€11,762.65	€2,753.03	€2,136.84
Loanch	€25,723.05	€35,812.88	€25,933.40	€18,150.72	€10,197.57
Maclear	€22,825.18	€15,370.94	€30,387.59	€23,211.04	€13,371.15
Monefit	€11,436.06	€3,953.31	€12,980.07	€12,905.47	€15,537.06	€1,001.42
MyPeak Finance	€5,864.98	€5,864.98
Nectaro	€30,207.85	€24,473.88	€37,692.05	€23,013.06
Norgehouse	€10,007.27	€10,007.27
Quanloop	€10,372.08	€10,372.08
Revest	€12,842.04	€12,842.04
Ventus Energy	€22,162.96	€27,654.76	€22,740.01	€4,372.60
Total	€102,863.28	€213,382.72	€173,348.99	€98,532.07	€35,541.47	€7,554.32

Income Projection

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

Platform	Current Balance	XIRR	Annual Projection	Monthly Projection	Daily Projection
Asterra Estate	€35,303.64	16.21%	€5,723.33	€444.79	€14.53
Loanch	€30,525.18	15.60%	€4,763.28	€371.09	€12.13
Ventus Energy	€28,008.34	19.29%	€5,401.83	€414.66	€13.54
Devon	€25,055.61	15.77%	€3,952.38	€307.71	€10.06
Quanloop	€25,000.40	13.98%	€3,495.93	€274.17	€8.97
Revest	€15,483.13	12.00%	€1,857.58	€146.89	€4.81
Bondora Go & Grow	€12,060.12	6.43%	€775.88	€62.82	€2.06
Nectaro	€11,658.22	12.08%	€1,408.75	€111.36	€3.64
Maclear	€11,583.80	17.92%	€2,076.10	€160.24	€5.23
Monefit	€11,397.52	7.46%	€850.74	€68.58	€2.25
Norgehouse	€10,434.52	12.93%	€1,349.12	€106.27	€3.48
MyPeak Finance	€6,074.95	15.27%	€927.50	€72.36	€2.37
FF Forest	€5,074.71	17.47%	€886.40	€68.54	€2.24
Estateguru	€250.00	9.06%	€22.66	€1.81	€0.06
Total	€227,910.15	13.08%	€33,491.48	€2,611.29	€85.36

Income

Breakdown of interest, bonuses, withholding tax, and fees by platform

Platform		Total	2026	2025	2024	2023	2022
Loanch	Interest: Bonus: Fee: Losses: Gross: Withholding Tax: Net:	€10,811.63 €4,454.57 -€0.00 -€0.00 €15,266.20 -€0.00 €15,266.20	€4,315.08 €1,453.53 -€0.00 -€0.00 €5,768.61 -€0.00 €5,768.61	€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
Maclear	Interest: Bonus: Fee: Losses: Gross: Withholding Tax: Net:	€11,593.94 €2,559.39 -€0.00 -€0.00 €14,153.33 -€0.00 €14,153.33	€3,030.31 €0.00 -€0.00 -€0.00 €3,030.31 -€0.00 €3,030.31	€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: Withholding Tax: Net:	€7,622.89 €6,217.57 -€0.00 -€0.00 €13,840.46 -€692.02 €13,148.43	€2,426.40 €1,166.74 -€0.00 -€0.00 €3,593.14 -€179.66 €3,413.48	€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
Ventus Energy	Interest: Bonus: Fee: Losses: Gross: Withholding Tax: Net:	€7,342.46 €1,922.23 -€0.00 -€0.00 €9,264.69 -€0.00 €9,264.69	€3,181.36 -€62.32 -€0.00 -€0.00 €3,119.04 -€0.00 €3,119.04	€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
Asterra Estate	Interest: Bonus: Fee: Losses: Gross: Withholding Tax: Net:	€4,526.54 €1,610.00 -€0.00 -€0.00 €6,136.54 -€0.00 €6,136.54	€4,150.83 €360.00 -€0.00 -€0.00 €4,510.83 -€0.00 €4,510.83	€375.71 €1,250.00 -€0.00 -€0.00 €1,625.71 -€0.00 €1,625.71
Devon	Interest: Bonus: Fee: Losses: Gross: Withholding Tax: Net:	€4,715.44 €980.00 -€0.00 -€0.00 €5,695.44 -€0.00 €5,695.44	€2,931.92 €0.00 -€0.00 -€0.00 €2,931.92 -€0.00 €2,931.92	€1,783.52 €980.00 -€0.00 -€0.00 €2,763.52 -€0.00 €2,763.52
Bondora Go & Grow	Interest: Bonus: Fee: Losses: Gross: Withholding Tax: Net:	€4,074.08 €0.00 -€2.00 -€0.00 €4,072.08 -€0.00 €4,072.08	€791.97 €0.00 -€2.00 -€0.00 €789.97 -€0.00 €789.97	€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
Income	Interest: Bonus: Fee: Losses: Gross: Withholding Tax: Net:	€4,009.80 €13.91 -€0.00 -€0.00 €4,023.71 -€0.00 €4,023.71	€218.42 €0.00 -€0.00 -€0.00 €218.42 -€0.00 €218.42	€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
Monefit	Interest: Bonus: Fee: Losses: Gross: Withholding Tax: Net:	€3,227.52 €620.00 -€0.00 -€0.00 €3,847.52 -€0.00 €3,847.52	€231.71 €0.00 -€0.00 -€0.00 €231.71 -€0.00 €231.71	€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
Revest	Interest: Bonus: Fee: Losses: Gross: Withholding Tax: Net:	€682.68 €1,766.14 -€0.00 -€0.00 €2,448.82 -€0.00 €2,448.82	€682.68 €1,766.14 -€0.00 -€0.00 €2,448.82 -€0.00 €2,448.82
FF Forest	Interest: Bonus: Fee: Losses: Gross: Withholding Tax: Net:	€1,050.77 €150.00 -€0.00 -€0.00 €1,200.77 -€0.00 €1,200.77	€1,050.77 €150.00 -€0.00 -€0.00 €1,200.77 -€0.00 €1,200.77
Norgehouse	Interest: Bonus: Fee: Losses: Gross: Withholding Tax: Net:	€434.52 €600.00 -€0.00 -€0.00 €1,034.52 -€0.00 €1,034.52	€434.52 €600.00 -€0.00 -€0.00 €1,034.52 -€0.00 €1,034.52
Quanloop	Interest: Bonus: Fee: Losses: Gross: Withholding Tax: Net:	€705.02 €0.00 -€0.00 -€0.00 €705.02 -€0.00 €705.02	€705.02 €0.00 -€0.00 -€0.00 €705.02 -€0.00 €705.02
MyPeak Finance	Interest: Bonus: Fee: Losses: Gross: Withholding Tax: Net:	€383.62 €195.00 -€0.00 -€0.00 €578.62 -€0.00 €578.62	€383.62 €195.00 -€0.00 -€0.00 €578.62 -€0.00 €578.62
Estateguru	Interest: Bonus: Fee: Losses: Gross: Withholding 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
Total	Interest: Bonus: Fee: Losses: Gross: Withholding Tax: Net:	€61,736.03 €21,098.74 -€69.16 -€0.00 €82,765.62 -€692.02 €82,073.59	€24,534.61 €5,629.09 -€2.00 -€0.00 €30,161.70 -€179.66 €29,982.04	€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

Distribution

Total balance across all platforms

Performance

Net deposits compared to portfolio value

Income Distribution

Net income across all platforms

Cashflow

Deposits minus withdrawals

Regulation

Balance distribution by regulatory tier. We strive to keep the data up to date, but it may contain errors. See the source.

Country Distribution

Estimate: each platform's balance is split evenly across its investment countries and summed across all platforms. Platforms without country data are grouped under 'Unknown'.

Asset Class Distribution

Estimate: each platform's balance is split evenly across its asset classes and summed across all platforms. Exact for platforms with one asset class, rough for the rest, since the exports carry no per-loan data. Platforms without asset class data are grouped under 'Unknown'.

Your XIRR vs. the community

Your monthly XIRR against the median of all investors. The running month is left out.

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	23.14 16.21	18.45 16.83	63.99 12.07
Bondora Go & Grow	6.43 6.43	5.59 5.59	6.39 6.39	6.75 6.75	6.77 6.77	6.75 6.75
Devon	19.77 15.77	16.28 16.28	24.87 15.16
Estateguru	9.27 9.06			8.66 8.59	11.72 11.69	1.50 0.00
FF Forest	20.39 17.47	20.39 17.47
Income	13.82 13.76	12.75 12.75	14.85 14.85	13.09 13.09	13.64 13.64	13.01 10.83
Loanch	22.83 15.60	21.32 15.59	23.04 15.18	23.47 16.81	49.39 1.80
Maclear	23.14 17.92	27.17 27.17	19.62 17.66	20.87 15.75	71.04 10.07
Monefit	9.08 7.46	7.36 7.36	7.67 7.67	8.31 7.48	11.11 7.38	2.46 2.46
MyPeak Finance	24.27 15.27	24.27 15.27
Nectaro	23.78 12.08	19.65 12.73	21.89 11.89	39.64 11.91
Norgehouse	34.75 12.93	34.75 12.93
Quanloop	13.98 13.98	13.98 13.98
Revest	49.90 12.00	49.90 12.00
Ventus Energy	25.78 19.29	19.08 19.49	24.16 19.00	260.87 24.84
Total	18.00 13.12	18.60 14.89	19.71 13.96	17.89 12.17	13.66 8.03	6.93 6.62

Your cash drag vs. the community

Your monthly cash drag against the median of all investors. Less is better. The running month is left out.

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	4.44	0.53	17.50
Bondora Go & Grow	0.00	0.00	0.00	0.00	0.00	0.00
Devon	3.60	1.70	5.93
Estateguru	3.19			6.24	1.40	0.38
FF Forest	5.85	5.85
Income	9.74	39.61	5.20	2.62	2.48	2.06
Loanch	2.81	3.30	4.03	1.38	0.05
Maclear	4.09	1.67	2.35	3.81	25.77
Monefit	0.00	0.00	0.00	0.00	0.00	0.00
MyPeak Finance	3.83	3.83
Nectaro	4.45	2.13	7.78	0.75
Norgehouse	3.76	3.76
Quanloop	0.00	0.00
Revest	4.06	4.06
Ventus Energy	1.58	0.67	1.99	3.89
Total	1.80	2.12	4.06	1.39	1.24	0.14

Total balance

€227,910.21

Cash

€8,072.15

Invested

€219,838.06

XIRR

18.00%

XIRR excl. Bonus

13.12%

Net deposits

€145,836.62

Total deposits

€680,584.75

Total withdrawals

€534,748.13

Capital Freedom Index

36.01%

Gross Earnings

€82,765.62

Net earnings

€82,073.59

Interest & bonuses

€82,834.78

Total Costs

€761.18

Interest:€61,736.03

Bonuses:€21,098.74

Withholding tax:€692.02