Straightforward lessons from Miska on passive income, smart diversification, and P2P investing with confidence.
Why do investors choose P2P lending—and what makes Lendermarket stand out? In this candid interview, Miska shares hard-earned lessons, his approach to diversification, and the role of passive income in his strategy. Whether you’re just starting out or refining your portfolio, his insights offer practical, real-world guidance.
I’m a 45-year-old professional working in the industrial sector in Eastern Finland. I’ve been interested in investing in one form or another for most of my life, but I began investing systematically in 2015. I started using P2P lending platforms at the beginning of 2022.
I received a few shares from my grandparents as a teenager, which was the start of my investment journey. I’ve never sold those shares—they’ve become a kind of memento. While they’re not of great financial value, I’ve gradually built on them. Over time, I began investing in mutual funds via my bank, which later sparked an interest in index and ETF funds. Though I’ve since sold some of the stocks and bank funds, ETFs have become the core of my investment strategy and my main method of diversification.
P2P lending became part of my portfolio in 2022. For me, it’s primarily about generating cash flow and balancing economic cycles. It also helps cover costs like taxes on capital gains. P2P lending serves as a solid alternative to bank deposits with competitive interest rates.
Currently, 10% of my portfolio is in P2P loans, 15% in direct stocks, and 75% in various index funds. Property investing isn’t for me.
My primary motivation has always been to achieve financial independence. It’s comforting to know there’s a financial cushion and some security in life. Wealth opens up more possibilities and offers peace of mind. My first real insight came as a teenager when I received dividends from the shares I’d been gifted. That’s when I first understood the power of passive income—though the term itself probably didn’t even exist back then. At first, I invested in individual stocks and expensive bank-run funds, but I’ve since learned how fees can erode returns. I now focus on minimising costs in my investing strategy. From that perspective, P2P investing is very appealing.
Diversification is essential, along with having a sufficiently long investment horizon. I invest around 50% of my available income each month, which helps implement time-based diversification automatically. I’ve tried several P2P platforms, but I’m now looking to reduce the number I use. While many offer automated investing, tracking and managing multiple accounts can be surprisingly time-consuming. From a diversification standpoint, reducing platforms isn’t ideal as it increases platform risk, but there are practical trade-offs. Overall, I take a long-term view of my investments. I rarely sell anything. My investment horizon is essentially lifelong.
If you haven’t started investing yet, the best time is today. Although I’ve always lived relatively modestly, I could have been even more cost-conscious with my investments in my 20s and 30s. Had I done that, my returns today would have been greater. Another lesson: don’t hold on emotionally to failing assets—so-called “falling knives”. If an investment no longer aligns with your strategy, it’s best to let go quickly to cut losses or to stay true to your values.
Join us today and receive your welcome bonus! Once you’ve created your account, the bonus will be added and automatically put to work through Auto Invest, generating returns from day one.
Lendermarket stood out to me as a P2P platform with unparalleled returns. That’s what initially caught my attention, and I haven’t regretted the decision since. The user interface is clear and intuitive, which adds to the experience.
Back in 2023–2024, just before the platform moved to its current version, there were some delays in repayments related to specific loan originators. However, with the new platform, I have only positive things to say—everything works seamlessly, and I’ve been very satisfied.
Choose your platform carefully. Read user reviews and research the platform’s history and market presence. Once you’ve chosen, it’s a good idea to automate your investments. One crucial tip: make sure you systematically pay taxes on your returns. Many forget that P2P platforms don’t do this on your behalf. If you’re not careful, you could face an unpleasant surprise when you eventually withdraw your funds.
In Finnish culture, investing is still somewhat taboo—especially in my age group. It’s not a common topic among friends. People often assume investing is just for the well-off, which isn’t true. Everyone has the chance to build wealth from their own starting point. None of my close friends or family know about Lendermarket—or even P2P platforms in general. I’d be happy to talk about my experiences if someone asked. I’d give a strong recommendation, particularly for anyone considering investing in P2P loans.
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The content on this page is for informational purposes only and is not financial or investment advice. Always consult a professional before making investment decisions. Investments carry risks, including loss of principal. We are not responsible for any actions taken based on this content.
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