Robo.cash lenders are shifting their focus to diversification and prefer long-term loans over short-term investments.
Analysts at the European peer-to-peer lending platform said the majority (32 per cent) of investors choose diversify their portfolio by investing in an extended range of loans.
The volume of investment in long-term loans (six months to two years) on the platform is 21 per cent higher than that for short-term loans (seven to 60 days).
Just over a third (34 per cent) of customers include long-term loans in their portfolio, while the share of investors who consider short-term loans as a full-fledged strategy is slowly falling and currently stands at 14 per cent.
The lenders who already invest in loans of six months or more generally choose loans for a longer period of two years. However, only one per cent of investors choose loans lasting from one to two years as an investment strategy.
“Such changes indicate a trend towards investing in a wide range of loans,” said the analysts at Robo.cash.
“The majority of investors (32 per cent) choose the strategy of maximum diversification and include all available types of loans on the platform to their portfolios.
“Therefore, it is too early to talk about the decrease in the share of those who prefer only short-term loans.
“Long-term loans are considered by proficient investors primarily as a tool to expand the portfolio.
“In a way, it is also an indicator of the growing trust in the platform. Along with the gaining popularity of the reinvestment strategy, this shows the consolidation of the P2P market in general, despite the difficult economic situation last year.”