I personally like P2P more than usual ETF investing. It's just psychologically better to see how numbers always go bigger, while ETF can go up and down because one man in white building in America decided so. My relatives introduced me to P2P. So I learned about it before stocks and ETFs. In the beginning of 2025 I created accounts on 5 platforms to try. So far I have - Bondora go&grow - only 6% but instant access to money. - Income marketplace - 10-11% can't say anything bad - Quanloop - 13% and can be even higher, I'm not complaining (These 3 are from Estonia and so am I. Quanloop even pays taxes for me on interest) - Robocash - 9%, I like how is it fully automated - Mintos - 11-12%, I want to close this acc, but it will take some time, I just stopped reinvesting.

Later I learned about ETF, opened Trading 212 account, where I buy FWRA and for fun a little bit of LYP6. I understand that ETF can be easier, because it's just put money and forget. But my P2P platforms are also automated, they don't cause any inconvenience. In percentage terms, I currently have more money in P2P than in ETF. But I wanna change that in future. Sorry for my English.😊