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The Monthly P2P Investment Checklist
A practical monthly routine for managing your P2P lending portfolio effectively and staying on top of your investments.
Crowdlending Hub TeamDecember 9, 20257 min read
Why Monthly Reviews Matter
Consistent monitoring is the difference between passive income and passive losses. A monthly review routine takes just 30-60 minutes but can significantly impact your long-term returns.
The Monthly Checklist
Week 1: Data Collection (15 min)
Platform by Platform:
- Log into each platform
- Record portfolio balance
- Note interest earned
- Record any fees paid
- Check for writeoffs/defaults
- Note any bonuses received
Pro Tip: Use our CSV import feature to speed this up.
Week 2: Performance Review (15 min)
Check Your Dashboard:
- Review monthly TWR for each platform
- Compare platform performance
- Check YTD returns
- Review cash drag (uninvested funds)
Key Questions:
- Is any platform significantly underperforming?
- Are actual returns matching expectations?
- Is cash being deployed efficiently?
Week 3: Risk Assessment (15 min)
Diversification Check:
- Review platform concentration
- Check geographic exposure
- Assess loan type distribution
- Review any concentration warnings
Use Our Tools:
- Diversification Analyzer
- Platform comparison features
Week 4: Action & Optimization (15 min)
Potential Actions:
- Rebalance if needed
- Adjust auto-invest settings
- Consider new platform additions
- Plan next month's deposits
Monthly Data to Track
| Metric | Why It Matters |
|---|---|
| Portfolio Balance | Track growth over time |
| Interest Earned | Core return metric |
| Fees Paid | Impacts net returns |
| Defaults/Writeoffs | Risk monitoring |
| Cash Drag | Opportunity cost |
| TWR | True performance measure |
Red Flags to Watch For
Platform Level
- Delayed payments becoming more frequent
- Sudden changes to terms or rates
- Customer support issues
- Negative news or regulatory actions
Portfolio Level
- Rising default rates
- Declining effective interest rates
- Increasing cash drag
- Concentration drift
Quarterly Deep Dive
Every quarter, add these to your review:
- Full tax summary review
- Update investment goals
- Research new platforms
- Review platform news/updates
- Assess overall strategy
Using Crowdlending Hub for Monthly Reviews
Our platform automates much of this process:
- Dashboard: See all metrics at a glance
- Tax Page: Automatic income aggregation
- Diversification: Real-time concentration analysis
- Alerts: Get notified of issues
Sample Monthly Report
Track these metrics each month:
Month: [Current Month]
Total Invested: €XX,XXX
Interest Earned: €XXX
Fees Paid: €XX
Net Earnings: €XXX
Monthly TWR: X.XX%
YTD TWR: X.XX%
Active Platforms: X
Highest Performer: [Platform]
Lowest Performer: [Platform]
Actions Taken: [Notes]
Start your monthly tracking routine with our free dashboard.