{"id":20660,"date":"2020-07-23T06:00:00","date_gmt":"2020-07-23T04:00:00","guid":{"rendered":"https:\/\/rethink-p2p.de\/mein-p2p-portfolio\/"},"modified":"2026-07-09T17:28:58","modified_gmt":"2026-07-09T15:28:58","slug":"cartera-p2p","status":"publish","type":"page","link":"https:\/\/rethink-p2p.de\/es\/cartera-p2p\/","title":{"rendered":"Cartera P2P"},"content":{"rendered":"<p class=\"font-claude-response-body break-words whitespace-normal\"><span class=\"rtp-aktualisiert\">\u00daltima actualizaci\u00f3n: 1 de septiembre de 2026<\/span>\r\n<p class=\"font-claude-response-body break-words whitespace-normal\">Desde octubre de 2017 invierto activamente en cr\u00e9ditos P2P, y este blog siempre ha ofrecido una visi\u00f3n honesta de mis propias inversiones. Mi objetivo es, por un lado, crear transparencia, y por otro, revelar posibles conflictos de inter\u00e9s.<\/p>\r\n<p class=\"font-claude-response-body break-words whitespace-normal\">El resumen a continuaci\u00f3n muestra el estado actual de mis inversiones activas, en pausa y en liquidaci\u00f3n, incluyendo el valor de la cuenta, la rentabilidad (XIRR) y la duraci\u00f3n de la inversi\u00f3n por plataforma. Al hacer clic en el logo, accedes directamente a la <strong><a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/rethink-p2p.de\/es\/opiniones-plataformas-p2p\/\" target=\"_blank\" rel=\"noopener\">opini\u00f3n detallada<\/a><\/strong> de la plataforma correspondiente.<\/p>\r\n<p class=\"font-claude-response-body break-words whitespace-normal\">La secci\u00f3n &#8220;Inversiones P2P Finalizadas&#8221; ofrece un resumen de las plataformas en las que he invertido en el pasado, los motivos de cada salida y la rentabilidad total que alcanz\u00f3 cada inversi\u00f3n.<\/p>\r\n<hr \/>\r\n<h2><strong>Mi Cartera de Pr\u00e9stamos P2P<\/strong><\/h2>\r\n    <style>\n    .rtp-portfolio-wrap { margin:1.5rem 0; padding:6px; }\n    .rtp-portfolio-header {\n        display:grid;\n        grid-template-columns: 110px 110px 1.2fr 1fr 1.2fr 40px;\n        gap:20px;\n        padding:0 20px 10px 20px;\n        font-size:11px;\n        color:#1a1a1a;\n        text-transform:uppercase;\n        letter-spacing:0.04em;\n        font-weight:700;\n    }\n    .rtp-portfolio-cards { display:flex; flex-direction:column; gap:8px; }\n    .rtp-card {\n        background:#ffffff;\n        border-radius:12px;\n        padding:10px 20px;\n        display:grid;\n        grid-template-columns: 110px 110px 1.2fr 1fr 1.2fr 40px;\n        gap:20px;\n        align-items:center;\n        box-shadow:0 1px 3px rgba(0,0,0,0.04), 0 2px 8px rgba(0,0,0,0.04);\n        transition: box-shadow 0.15s ease;\n    }\n    .rtp-card:hover { box-shadow:0 2px 6px rgba(0,0,0,0.06), 0 6px 18px rgba(0,0,0,0.06); }\n    .rtp-card-logo {\n        width:90px;\n        height:26px;\n        display:flex;\n        align-items:center;\n        justify-content:flex-start;\n        text-decoration:none !important;\n    }\n    .rtp-card-logo img {\n        width:100%;\n        height:100%;\n        object-fit:contain;\n        object-position:left center;\n    }\n    .rtp-card-value {\n        font-size:14px;\n        font-weight:500;\n        color:#1a1a1a;\n    }\n    .rtp-status-badge {\n        display:inline-block;\n        padding:4px 12px;\n        border-radius:999px;\n        font-size:11px;\n        font-weight:500;\n    }\n    .rtp-card-arrow {\n        color:#1a1a1a !important;\n        text-decoration:none !important;\n        font-size:20px;\n        font-weight:500;\n        line-height:1;\n        transition: transform 0.15s ease;\n    }\n    .rtp-card-arrow:hover { transform:translateX(3px); }\n    @media (max-width: 768px) {\n        .rtp-portfolio-header { display:none; }\n        .rtp-card {\n            grid-template-columns: 1fr 1fr;\n            gap:14px;\n            padding:16px 20px;\n        }\n        .rtp-card-arrow { grid-column: 2; justify-self:end; }\n    }\n    <\/style>\n\n    <div class=\"rtp-portfolio-wrap\">\n        <div class=\"rtp-portfolio-header\">\n            <div>Plataforma<\/div>\n            <div>Estado<\/div>\n            <div>Valor de Cuenta<\/div>\n            <div>XIRR<\/div>\n            <div>Invertido Desde<\/div>\n            <div><\/div>\n        <\/div>\n        <div class=\"rtp-portfolio-cards\">\n                            <div class=\"rtp-card\">\n                    <a href=\"https:\/\/rethink-p2p.de\/es\/peerberry-opiniones\/\" target=\"_blank\" rel=\"noopener\" class=\"rtp-card-logo\">\n                        <img data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Peerberry.png\" alt=\"PeerBerry Logo\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" style=\"--smush-placeholder-width: 2000px; --smush-placeholder-aspect-ratio: 2000\/420;\"><noscript><img src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Peerberry.png\" alt=\"PeerBerry Logo\"><\/noscript>\n                    <\/a>\n                    <div>\n                        <span class=\"rtp-status-badge\" style=\"background:#e6f5ea; color:#0d5524;\">\n                            Activo                        <\/span>\n                    <\/div>\n                    <div class=\"rtp-card-value\">52.043 \u20ac<\/div>\n                    <div class=\"rtp-card-value\" style=\"color:#0d5524;\">11,36%<\/div>\n                    <div class=\"rtp-card-value\">junio 2021<\/div>\n                    <a href=\"https:\/\/rethink-p2p.de\/es\/peerberry-opiniones\/\" target=\"_blank\" rel=\"noopener\" class=\"rtp-card-arrow\" aria-label=\"Zum PeerBerry Erfahrungsbericht\">\u2192<\/a>\n                <\/div>\n                            <div class=\"rtp-card\">\n                    <a href=\"https:\/\/rethink-p2p.de\/es\/bondora-go-and-grow-opiniones\/\" target=\"_blank\" rel=\"noopener\" class=\"rtp-card-logo\">\n                        <img data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Bondora-Go-Grow-Logo.png\" alt=\"Bondora Logo\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" style=\"--smush-placeholder-width: 800px; --smush-placeholder-aspect-ratio: 800\/210;\"><noscript><img src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Bondora-Go-Grow-Logo.png\" alt=\"Bondora Logo\"><\/noscript>\n                    <\/a>\n                    <div>\n                        <span class=\"rtp-status-badge\" style=\"background:#e6f5ea; color:#0d5524;\">\n                            Activo                        <\/span>\n                    <\/div>\n                    <div class=\"rtp-card-value\">26.622 \u20ac<\/div>\n                    <div class=\"rtp-card-value\" style=\"color:#0d5524;\">6,32%<\/div>\n                    <div class=\"rtp-card-value\">junio 2018<\/div>\n                    <a href=\"https:\/\/rethink-p2p.de\/es\/bondora-go-and-grow-opiniones\/\" target=\"_blank\" rel=\"noopener\" class=\"rtp-card-arrow\" aria-label=\"Zum Bondora Erfahrungsbericht\">\u2192<\/a>\n                <\/div>\n                            <div class=\"rtp-card\">\n                    <a href=\"https:\/\/rethink-p2p.de\/es\/income-marketplace-opiniones\/\" target=\"_blank\" rel=\"noopener\" class=\"rtp-card-logo\">\n                        <img data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Income-2.png\" alt=\"Income Logo\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" style=\"--smush-placeholder-width: 1676px; --smush-placeholder-aspect-ratio: 1676\/407;\"><noscript><img src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Income-2.png\" alt=\"Income Logo\"><\/noscript>\n                    <\/a>\n                    <div>\n                        <span class=\"rtp-status-badge\" style=\"background:#e6f5ea; color:#0d5524;\">\n                            Activo                        <\/span>\n                    <\/div>\n                    <div class=\"rtp-card-value\">25.799 \u20ac<\/div>\n                    <div class=\"rtp-card-value\" style=\"color:#0d5524;\">12,87%<\/div>\n                    <div class=\"rtp-card-value\">abril 2022<\/div>\n                    <a href=\"https:\/\/rethink-p2p.de\/es\/income-marketplace-opiniones\/\" target=\"_blank\" rel=\"noopener\" class=\"rtp-card-arrow\" aria-label=\"Zum Income Erfahrungsbericht\">\u2192<\/a>\n                <\/div>\n                            <div class=\"rtp-card\">\n                    <a href=\"https:\/\/rethink-p2p.de\/es\/lande-opiniones\/\" target=\"_blank\" rel=\"noopener\" class=\"rtp-card-logo\">\n                        <img data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/LANDE.jpg\" alt=\"LANDE Logo\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" style=\"--smush-placeholder-width: 775px; --smush-placeholder-aspect-ratio: 775\/196;\"><noscript><img src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/LANDE.jpg\" alt=\"LANDE Logo\"><\/noscript>\n                    <\/a>\n                    <div>\n                        <span class=\"rtp-status-badge\" style=\"background:#e6f5ea; color:#0d5524;\">\n                            Activo                        <\/span>\n                    <\/div>\n                    <div class=\"rtp-card-value\">17.432 \u20ac<\/div>\n                    <div class=\"rtp-card-value\" style=\"color:#0d5524;\">9,98%<\/div>\n                    <div class=\"rtp-card-value\">diciembre 2021<\/div>\n                    <a href=\"https:\/\/rethink-p2p.de\/es\/lande-opiniones\/\" target=\"_blank\" rel=\"noopener\" class=\"rtp-card-arrow\" aria-label=\"Zum LANDE Erfahrungsbericht\">\u2192<\/a>\n                <\/div>\n                            <div class=\"rtp-card\">\n                    <a href=\"https:\/\/rethink-p2p.de\/es\/mintos-opiniones\/\" target=\"_blank\" rel=\"noopener\" class=\"rtp-card-logo\">\n                        <img data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Mintos.png\" alt=\"Mintos Logo\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" style=\"--smush-placeholder-width: 386px; --smush-placeholder-aspect-ratio: 386\/100;\"><noscript><img src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Mintos.png\" alt=\"Mintos Logo\"><\/noscript>\n                    <\/a>\n                    <div>\n                        <span class=\"rtp-status-badge\" style=\"background:#e6f5ea; color:#0d5524;\">\n                            Activo                        <\/span>\n                    <\/div>\n                    <div class=\"rtp-card-value\">17.000 \u20ac<\/div>\n                    <div class=\"rtp-card-value\" style=\"color:#0d5524;\">11,64%<\/div>\n                    <div class=\"rtp-card-value\">julio 2024<\/div>\n                    <a href=\"https:\/\/rethink-p2p.de\/es\/mintos-opiniones\/\" target=\"_blank\" rel=\"noopener\" class=\"rtp-card-arrow\" aria-label=\"Zum Mintos Erfahrungsbericht\">\u2192<\/a>\n                <\/div>\n                            <div class=\"rtp-card\">\n                    <a href=\"https:\/\/rethink-p2p.de\/es\/twino-opiniones\/\" target=\"_blank\" rel=\"noopener\" class=\"rtp-card-logo\">\n                        <img data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/TWINO-Logo-2026.png\" alt=\"TWINO Logo\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" style=\"--smush-placeholder-width: 458px; --smush-placeholder-aspect-ratio: 458\/110;\"><noscript><img src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/TWINO-Logo-2026.png\" alt=\"TWINO Logo\"><\/noscript>\n                    <\/a>\n                    <div>\n                        <span class=\"rtp-status-badge\" style=\"background:#e6f5ea; color:#0d5524;\">\n                            Activo                        <\/span>\n                    <\/div>\n                    <div class=\"rtp-card-value\">15.642 \u20ac<\/div>\n                    <div class=\"rtp-card-value\" style=\"color:#0d5524;\">10,71%<\/div>\n                    <div class=\"rtp-card-value\">diciembre 2020<\/div>\n                    <a href=\"https:\/\/rethink-p2p.de\/es\/twino-opiniones\/\" target=\"_blank\" rel=\"noopener\" class=\"rtp-card-arrow\" aria-label=\"Zum TWINO Erfahrungsbericht\">\u2192<\/a>\n                <\/div>\n                            <div class=\"rtp-card\">\n                    <a href=\"https:\/\/rethink-p2p.de\/es\/afranga-opiniones\/\" target=\"_blank\" rel=\"noopener\" class=\"rtp-card-logo\">\n                        <img data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Afranga-Logo-PNG-.png\" alt=\"Afranga Logo\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" style=\"--smush-placeholder-width: 983px; --smush-placeholder-aspect-ratio: 983\/252;\"><noscript><img src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Afranga-Logo-PNG-.png\" alt=\"Afranga Logo\"><\/noscript>\n                    <\/a>\n                    <div>\n                        <span class=\"rtp-status-badge\" style=\"background:#e6f5ea; color:#0d5524;\">\n                            Activo                        <\/span>\n                    <\/div>\n                    <div class=\"rtp-card-value\">13.057 \u20ac<\/div>\n                    <div class=\"rtp-card-value\" style=\"color:#0d5524;\">12,84%<\/div>\n                    <div class=\"rtp-card-value\">agosto 2025<\/div>\n                    <a href=\"https:\/\/rethink-p2p.de\/es\/afranga-opiniones\/\" target=\"_blank\" rel=\"noopener\" class=\"rtp-card-arrow\" aria-label=\"Zum Afranga Erfahrungsbericht\">\u2192<\/a>\n                <\/div>\n                            <div class=\"rtp-card\">\n                    <a href=\"https:\/\/rethink-p2p.de\/es\/monefit-smartsaver-opiniones\/\" target=\"_blank\" rel=\"noopener\" class=\"rtp-card-logo\">\n                        <img data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Logo-transparent-large.png\" alt=\"Monefit Logo\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" style=\"--smush-placeholder-width: 1452px; --smush-placeholder-aspect-ratio: 1452\/300;\"><noscript><img src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Logo-transparent-large.png\" alt=\"Monefit Logo\"><\/noscript>\n                    <\/a>\n                    <div>\n                        <span class=\"rtp-status-badge\" style=\"background:#e6f5ea; color:#0d5524;\">\n                            Activo                        <\/span>\n                    <\/div>\n                    <div class=\"rtp-card-value\">10.674 \u20ac<\/div>\n                    <div class=\"rtp-card-value\" style=\"color:#0d5524;\">7,58%<\/div>\n                    <div class=\"rtp-card-value\">junio 2025<\/div>\n                    <a href=\"https:\/\/rethink-p2p.de\/es\/monefit-smartsaver-opiniones\/\" target=\"_blank\" rel=\"noopener\" class=\"rtp-card-arrow\" aria-label=\"Zum Monefit Erfahrungsbericht\">\u2192<\/a>\n                <\/div>\n                            <div class=\"rtp-card\">\n                    <a href=\"https:\/\/rethink-p2p.de\/es\/nectaro-opiniones\/\" target=\"_blank\" rel=\"noopener\" class=\"rtp-card-logo\">\n                        <img data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Nectaro_2.png\" alt=\"Nectaro Logo\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" style=\"--smush-placeholder-width: 780px; --smush-placeholder-aspect-ratio: 780\/150;\"><noscript><img src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Nectaro_2.png\" alt=\"Nectaro Logo\"><\/noscript>\n                    <\/a>\n                    <div>\n                        <span class=\"rtp-status-badge\" style=\"background:#e6f5ea; color:#0d5524;\">\n                            Activo                        <\/span>\n                    <\/div>\n                    <div class=\"rtp-card-value\">7.847 \u20ac<\/div>\n                    <div class=\"rtp-card-value\" style=\"color:#0d5524;\">16,85%<\/div>\n                    <div class=\"rtp-card-value\">marzo 2025<\/div>\n                    <a href=\"https:\/\/rethink-p2p.de\/es\/nectaro-opiniones\/\" target=\"_blank\" rel=\"noopener\" class=\"rtp-card-arrow\" aria-label=\"Zum Nectaro Erfahrungsbericht\">\u2192<\/a>\n                <\/div>\n                            <div class=\"rtp-card\">\n                    <a href=\"https:\/\/rethink-p2p.de\/es\/inrento-opiniones\/\" target=\"_blank\" rel=\"noopener\" class=\"rtp-card-logo\">\n                        <img data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/08\/InRento-P2P-Logo.png\" alt=\"InRento Logo\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" style=\"--smush-placeholder-width: 778px; --smush-placeholder-aspect-ratio: 778\/128;\"><noscript><img src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/08\/InRento-P2P-Logo.png\" alt=\"InRento Logo\"><\/noscript>\n                    <\/a>\n                    <div>\n                        <span class=\"rtp-status-badge\" style=\"background:#e6f5ea; color:#0d5524;\">\n                            Activo                        <\/span>\n                    <\/div>\n                    <div class=\"rtp-card-value\">2.000 \u20ac<\/div>\n                    <div class=\"rtp-card-value\" style=\"color:#0d5524;\">0,00%<\/div>\n                    <div class=\"rtp-card-value\">septiembre 2026<\/div>\n                    <a href=\"https:\/\/rethink-p2p.de\/es\/inrento-opiniones\/\" target=\"_blank\" rel=\"noopener\" class=\"rtp-card-arrow\" aria-label=\"Zum InRento Erfahrungsbericht\">\u2192<\/a>\n                <\/div>\n                            <div class=\"rtp-card\">\n                    <a href=\"https:\/\/rethink-p2p.de\/es\/debitum-opiniones\/\" target=\"_blank\" rel=\"noopener\" class=\"rtp-card-logo\">\n                        <img data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/debitum.png\" alt=\"Debitum Logo\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" style=\"--smush-placeholder-width: 1002px; --smush-placeholder-aspect-ratio: 1002\/199;\"><noscript><img src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/debitum.png\" alt=\"Debitum Logo\"><\/noscript>\n                    <\/a>\n                    <div>\n                        <span class=\"rtp-status-badge\" style=\"background:#e8f1fb; color:#143d6b;\">\n                            En Liquidaci\u00f3n                        <\/span>\n                    <\/div>\n                    <div class=\"rtp-card-value\">3.744 \u20ac<\/div>\n                    <div class=\"rtp-card-value\" style=\"color:#0d5524;\">13,39%<\/div>\n                    <div class=\"rtp-card-value\">julio 2024<\/div>\n                    <a href=\"https:\/\/rethink-p2p.de\/es\/debitum-opiniones\/\" target=\"_blank\" rel=\"noopener\" class=\"rtp-card-arrow\" aria-label=\"Zum Debitum Erfahrungsbericht\">\u2192<\/a>\n                <\/div>\n                            <div class=\"rtp-card\">\n                    <a href=\"https:\/\/rethink-p2p.de\/es\/esketit-opiniones\/\" target=\"_blank\" rel=\"noopener\" class=\"rtp-card-logo\">\n                        <img data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/esketit.png\" alt=\"Esketit Logo\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" style=\"--smush-placeholder-width: 1280px; --smush-placeholder-aspect-ratio: 1280\/328;\"><noscript><img src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/esketit.png\" alt=\"Esketit Logo\"><\/noscript>\n                    <\/a>\n                    <div>\n                        <span class=\"rtp-status-badge\" style=\"background:#e8f1fb; color:#143d6b;\">\n                            En Liquidaci\u00f3n                        <\/span>\n                    <\/div>\n                    <div class=\"rtp-card-value\">1.703 \u20ac<\/div>\n                    <div class=\"rtp-card-value\" style=\"color:#0d5524;\">11,14%<\/div>\n                    <div class=\"rtp-card-value\">octubre 2022<\/div>\n                    <a href=\"https:\/\/rethink-p2p.de\/es\/esketit-opiniones\/\" target=\"_blank\" rel=\"noopener\" class=\"rtp-card-arrow\" aria-label=\"Zum Esketit Erfahrungsbericht\">\u2192<\/a>\n                <\/div>\n                            <div class=\"rtp-card\">\n                    <a href=\"https:\/\/rethink-p2p.de\/es\/estateguru-opiniones\/\" target=\"_blank\" rel=\"noopener\" class=\"rtp-card-logo\">\n                        <img data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Estateguru.png\" alt=\"EstateGuru Logo\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" style=\"--smush-placeholder-width: 495px; --smush-placeholder-aspect-ratio: 495\/100;\"><noscript><img src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/03\/Estateguru.png\" alt=\"EstateGuru Logo\"><\/noscript>\n                    <\/a>\n                    <div>\n                        <span class=\"rtp-status-badge\" style=\"background:#e8f1fb; color:#143d6b;\">\n                            En Liquidaci\u00f3n                        <\/span>\n                    <\/div>\n                    <div class=\"rtp-card-value\">1.687 \u20ac<\/div>\n                    <div class=\"rtp-card-value\" style=\"color:#7a1e1e;\">-1,69%<\/div>\n                    <div class=\"rtp-card-value\">noviembre 2018<\/div>\n                    <a href=\"https:\/\/rethink-p2p.de\/es\/estateguru-opiniones\/\" target=\"_blank\" rel=\"noopener\" class=\"rtp-card-arrow\" aria-label=\"Zum EstateGuru Erfahrungsbericht\">\u2192<\/a>\n                <\/div>\n                            <div class=\"rtp-card\">\n                    <a href=\"https:\/\/rethink-p2p.de\/es\/crowdpear-opiniones\/\" target=\"_blank\" rel=\"noopener\" class=\"rtp-card-logo\">\n                        <img data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Crowdpear-2.png\" alt=\"Crowdpear Logo\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" style=\"--smush-placeholder-width: 2048px; --smush-placeholder-aspect-ratio: 2048\/387;\"><noscript><img src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2026\/06\/Crowdpear-2.png\" alt=\"Crowdpear Logo\"><\/noscript>\n                    <\/a>\n                    <div>\n                        <span class=\"rtp-status-badge\" style=\"background:#e8f1fb; color:#143d6b;\">\n                            En Liquidaci\u00f3n                        <\/span>\n                    <\/div>\n                    <div class=\"rtp-card-value\">609 \u20ac<\/div>\n                    <div class=\"rtp-card-value\" style=\"color:#0d5524;\">11,18%<\/div>\n                    <div class=\"rtp-card-value\">mayo 2023<\/div>\n                    <a href=\"https:\/\/rethink-p2p.de\/es\/crowdpear-opiniones\/\" target=\"_blank\" rel=\"noopener\" class=\"rtp-card-arrow\" aria-label=\"Zum Crowdpear Erfahrungsbericht\">\u2192<\/a>\n                <\/div>\n                    <\/div>\n    <\/div>\n    \r\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\" \/>\r\n<h2>Cartera P2P Pendiente<\/h2>\r\n<p><iframe id=\"datawrapper-chart-vkG6M\" style=\"width: 0; min-width: 100% !important; border: none;\" title=\"Entwicklung P2P Portfolio (Langfristig vs. BGG &amp;amp; MSS)\" data-src=\"https:\/\/datawrapper.dwcdn.net\/vkG6M\/1\/\" height=\"388\" frameborder=\"0\" scrolling=\"no\" aria-label=\"Fl\u00e4chen\" data-external=\"1\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" class=\"lazyload\" data-load-mode=\"1\"><\/iframe><script type=\"text\/javascript\">window.addEventListener(\"message\",function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r,i=0;r=e[i];i++)if(r.contentWindow===a.source){var d=a.data[\"datawrapper-height\"][t]+\"px\";r.style.height=d}}});<\/script><\/p>\r\n\r\n\r\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\" \/>\r\n<h2 data-start=\"12\" data-end=\"37\">Inversiones P2P Finalizadas<\/h2>\r\n<p data-start=\"39\" data-end=\"380\">Mis primeras inversiones en pr\u00e9stamos P2P se realizaron en octubre de 2017. Desde entonces, varias plataformas han formado parte de mi cartera P2P. A continuaci\u00f3n se presenta una visi\u00f3n general transparente de mis inversiones P2P finalizadas. \u00bfQu\u00e9 rentabilidad total consegu\u00ed con estas plataformas y cu\u00e1les fueron las razones de mi salida?<\/p>\r\n<h3 data-start=\"382\" data-end=\"405\">Bondora Portfolio Pro<\/h3>\r\n<p data-start=\"407\" data-end=\"911\"><a href=\"https:\/\/rethink-p2p.de\/es\/bondora-opiniones\/\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-11292 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Bondora-Erfahrungen-Logo.jpg\" alt=\"\" width=\"300\" height=\"169\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/169;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-11292 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/04\/Bondora-Erfahrungen-Logo.jpg\" alt=\"\" width=\"300\" height=\"169\" \/><\/noscript><\/a>Realic\u00e9 mis primeras inversiones P2P a trav\u00e9s de <a href=\"https:\/\/rethink-p2p.de\/es\/bondora-go-and-grow-opiniones\/\" target=\"_blank\" rel=\"noopener\"><strong>Bondora<\/strong><\/a> Portfolio Pro en octubre de 2017 utilizando un enfoque de inversi\u00f3n relativamente progresivo. En un plazo de 12 meses ya se hab\u00edan invertido 14.000 \u20ac. Debido a una disminuci\u00f3n constante de los rendimientos y a la ausencia de dep\u00f3sitos adicionales, la inversi\u00f3n se finaliz\u00f3 en el verano de 2019. Incluso hoy en d\u00eda se siguen generando algunos intereses atrasados a trav\u00e9s de los reembolsos de pr\u00e9stamos en mora. Rentabilidad total actual: 2,57 %.<\/p>\r\n<h3 data-start=\"913\" data-end=\"921\">Mintos<\/h3>\r\n<p data-start=\"923\" data-end=\"1364\"><a href=\"https:\/\/rethink-p2p.de\/es\/mintos-opiniones\/\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-12119 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/09\/Mintos-Bonus.jpg\" alt=\"\" width=\"300\" height=\"169\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/169;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-12119 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2022\/09\/Mintos-Bonus.jpg\" alt=\"\" width=\"300\" height=\"169\" \/><\/noscript><\/a>Al mismo tiempo que Bondora Portfolio Pro, tambi\u00e9n comenc\u00e9 a invertir en <a href=\"https:\/\/rethink-p2p.de\/es\/mintos-opiniones\/\" target=\"_blank\" rel=\"noopener\"><strong>Mintos<\/strong><\/a> (octubre de 2017). Mi salida se produjo tras el estallido de la pandemia de COVID-19, motivada por diversas medidas cuestionables de la plataforma y por pol\u00e9micas relaciones con compa\u00f1\u00edas prestamistas. En octubre de 2022 di por perdidos los 1.118 \u20ac restantes en recuperaci\u00f3n. Esto result\u00f3 en una rentabilidad total del 7,22 % durante un periodo de cinco a\u00f1os.<\/p>\r\n<h3 data-start=\"1366\" data-end=\"1379\">NEO Finance<\/h3>\r\n<p data-start=\"1381\" data-end=\"1800\"><a href=\"https:\/\/rethink-p2p.de\/es\/neo-finance-opiniones\/\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-10284 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/10\/NEO-Finance-Bonus.jpg\" alt=\"\" width=\"300\" height=\"169\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/169;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-10284 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/10\/NEO-Finance-Bonus.jpg\" alt=\"\" width=\"300\" height=\"169\" \/><\/noscript><\/a>Mi inversi\u00f3n en <a href=\"https:\/\/rethink-p2p.de\/es\/neo-finance-opiniones\/\" target=\"_blank\" rel=\"noopener\"><strong>NEO Finance<\/strong><\/a> comenz\u00f3 en abril de 2019 despu\u00e9s de haber visitado personalmente la plataforma en Vilna. Algo m\u00e1s de un a\u00f1o despu\u00e9s finalic\u00e9 la inversi\u00f3n. Problemas estructurales, as\u00ed como una comunicaci\u00f3n insuficiente y en ocasiones contradictoria, fueron las principales razones. En noviembre de 2023 di por perdidos los 358 \u20ac restantes en recuperaci\u00f3n. Al final logr\u00e9 una rentabilidad total del 8,69 %.<\/p>\r\n<h3 data-start=\"1802\" data-end=\"1813\">Viainvest<\/h3>\r\n<p data-start=\"1815\" data-end=\"2359\"><a href=\"https:\/\/rethink-p2p.de\/es\/viainvest-opiniones\/\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-10283 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/10\/VIAINVEST-Bonus.jpg\" alt=\"\" width=\"300\" height=\"169\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/169;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-10283 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2021\/10\/VIAINVEST-Bonus.jpg\" alt=\"\" width=\"300\" height=\"169\" \/><\/noscript><\/a>Al mismo tiempo que NEO Finance, tambi\u00e9n comenc\u00e9 a invertir en <a href=\"https:\/\/rethink-p2p.de\/es\/viainvest-opiniones\/\" target=\"_blank\" rel=\"noopener\"><strong>Viainvest<\/strong><\/a>. La plataforma, en la que logr\u00e9 rendimientos de dos d\u00edgitos cada a\u00f1o, fue durante muchos a\u00f1os una de mis favoritas personales. Desafortunadamente, Viainvest es la \u00fanica plataforma P2P letona en la que las personas jur\u00eddicas no pueden registrarse. Como esta condici\u00f3n se convirti\u00f3 en un requisito obligatorio para continuar mi inversi\u00f3n, abandon\u00e9 la plataforma en 2025. Los \u00faltimos reembolsos se recibieron en abril de 2026. Mi rentabilidad total: 11,15 %. Sin p\u00e9rdidas.<\/p>\r\n<h3 data-start=\"2361\" data-end=\"2370\">Debitum<\/h3>\r\n<p data-start=\"2372\" data-end=\"2926\"><a href=\"https:\/\/rethink-p2p.de\/es\/debitum-opiniones\/\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-26080 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/02\/Debitum-Investments-Bonus.jpg\" alt=\"\" width=\"300\" height=\"169\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/169;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-26080 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/02\/Debitum-Investments-Bonus.jpg\" alt=\"\" width=\"300\" height=\"169\" \/><\/noscript><\/a>Con una inversi\u00f3n que comenz\u00f3 en junio de 2019, <a href=\"https:\/\/rethink-p2p.de\/es\/debitum-opiniones\/\" target=\"_blank\" rel=\"noopener\"><strong>Debitum<\/strong><\/a> tambi\u00e9n se encuentra entre las primeras plataformas de mi cartera P2P. Las razones de mi salida, que tuvo lugar en la primera mitad de 2022, fueron la oferta limitada de pr\u00e9stamos, tasas de inter\u00e9s poco competitivas, cambios en la direcci\u00f3n y deficiencias en la evaluaci\u00f3n del riesgo de la cartera de Ucrania. Teniendo en cuenta una p\u00e9rdida de 300 \u20ac que permanece bloqueada desde el inicio de la guerra en Ucrania, logr\u00e9 una rentabilidad total del 5,83 %. De lo contrario, habr\u00eda sido del 8,82 %.<\/p>\r\n<h3 data-start=\"2928\" data-end=\"2938\">Profitus<\/h3>\r\n<p data-start=\"2940\" data-end=\"3277\"><a href=\"https:\/\/rethink-p2p.de\/es\/profitus-opiniones\/\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-14350 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/02\/Profitus-Bonus.jpg\" alt=\"\" width=\"300\" height=\"169\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/169;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-14350 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2023\/02\/Profitus-Bonus.jpg\" alt=\"\" width=\"300\" height=\"169\" \/><\/noscript><\/a>En mayo de 2023 inici\u00e9 una inversi\u00f3n de prueba en la plataforma de crowdfunding lituana <a href=\"https:\/\/rethink-p2p.de\/es\/profitus-opiniones\/\" target=\"_blank\" rel=\"noopener\"><strong>Profitus<\/strong><\/a>. Veinte meses despu\u00e9s pude finalizar la inversi\u00f3n con una rentabilidad total del 9,35 % y sin p\u00e9rdidas. La decisi\u00f3n de salir se tom\u00f3 con el objetivo de consolidar mi cartera P2P. En ese momento, Crowdpear parec\u00eda ser la mejor alternativa.<\/p>\r\n<h3 data-start=\"3279\" data-end=\"3310\">HeavyFinance \/ InSoil Finance<\/h3>\r\n<p data-start=\"3312\" data-end=\"3809\"><a href=\"https:\/\/rethink-p2p.de\/es\/insoil-finance-opiniones\/\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-27381 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/InSoil-Finance-Bonus-.jpg\" alt=\"\" width=\"300\" height=\"169\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/169;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-27381 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2025\/04\/InSoil-Finance-Bonus-.jpg\" alt=\"\" width=\"300\" height=\"169\" \/><\/noscript><\/a>Mis primeras inversiones en <a href=\"https:\/\/rethink-p2p.de\/es\/insoil-finance-opiniones\/\" target=\"_blank\" rel=\"noopener\"><strong>InSoil Finance<\/strong><\/a> (anteriormente HeavyFinance) se realizaron en junio de 2023, impulsadas por la posibilidad de obtener rendimientos superiores a la media mediante inversiones en Green Loans. Como el calendario para la emisi\u00f3n de los primeros certificados de CO\u2082 se pospuso repetidamente, comenc\u00e9 a salir de la plataforma despu\u00e9s de dos a\u00f1os. Actualmente, dos pr\u00e9stamos con un valor total de 193 \u20ac permanecen en recuperaci\u00f3n. La rentabilidad total se sit\u00faa en el 8,87 %.<\/p>\r\n<h3 data-start=\"3811\" data-end=\"3820\">Fintown<\/h3>\r\n<p data-start=\"3822\" data-end=\"4216\"><a href=\"https:\/\/rethink-p2p.de\/es\/fintown-opiniones\/\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-19883 alignleft lazyload\" data-src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/03\/Fintown-Bonus.jpg\" alt=\"\" width=\"300\" height=\"169\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 300px; --smush-placeholder-aspect-ratio: 300\/169;\" \/><noscript><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-19883 alignleft\" src=\"https:\/\/rethink-p2p.de\/wp-content\/uploads\/2024\/03\/Fintown-Bonus.jpg\" alt=\"\" width=\"300\" height=\"169\" \/><\/noscript><\/a><a href=\"https:\/\/rethink-p2p.de\/es\/fintown-opiniones\/\" target=\"_blank\" rel=\"noopener\"><strong>Fintown<\/strong><\/a> tambi\u00e9n fue una nueva inversi\u00f3n de prueba en marzo de 2024. Los \u00faltimos reembolsos se recibieron en febrero de 2026. Rentabilidad total: 10,64 %. Sin p\u00e9rdidas. Las razones de mi salida fueron tanto la consolidaci\u00f3n de mi cartera P2P como el reconocimiento de que la complejidad de las inversiones respaldadas por bienes ra\u00edces es demasiado alta para mi propia capacidad de evaluaci\u00f3n.<\/p>\r\n<hr \/>\r\n<h2>FAQ <strong>Cartera P2P<\/strong><\/h2>\r\n\r\n<div class=\"schema-faq wp-block-yoast-faq-block\">\r\n<div id=\"faq-question-1615565632250\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 <strong>\u00bfQu\u00e9 es mi Cartera de Pr\u00e9stamos P2P?<\/strong><\/strong>\r\n<p class=\"schema-faq-answer\">Mi cartera de pr\u00e9stamos P2P est\u00e1 formada por mis inversiones personales en el mercado P2P. Se muestra mi cartera P2P activa, as\u00ed como mis inversiones finalizadas. Adem\u00e1s, los inversores pueden encontrar informaci\u00f3n sobre mi rentabilidad actual, el inicio de la inversi\u00f3n y el estado actual de la inversi\u00f3n.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1615565761321\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 <strong>\u00bfPor qu\u00e9 muestro p\u00fablicamente mi Cartera P2P?<\/strong><\/strong>\r\n<p class=\"schema-faq-answer\">Quiero que mis lectores entiendan cu\u00e1nta &#8220;skin in the game&#8221; tengo en las distintas plataformas P2P. La transparencia es un elemento importante para reforzar la credibilidad de mi contenido, as\u00ed como para poner de manifiesto posibles conflictos de intereses.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1615566025491\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 <strong>\u00bfDurante cu\u00e1nto tiempo he invertido en P2P?<\/strong><\/strong>\r\n<p class=\"schema-faq-answer\">Empec\u00e9 a invertir en pr\u00e9stamos P2P en octubre de 2017. En aquel momento empec\u00e9 con 2.000 \u20ac en Bondora y Mintos.<\/p>\r\n<\/div>\r\n<div id=\"faq-question-1678343014242\" class=\"schema-faq-section\"><strong class=\"schema-faq-question\">\u2705 <strong>\u00bfDeber\u00edan los inversores copiar mi Cartera P2P?<\/strong><\/strong>\r\n<p class=\"schema-faq-answer\">Cada inversor debe reflexionar sobre sus preferencias y, por tanto, sobre qu\u00e9 plataformas encajan mejor en su propia cartera P2P. Mi cartera P2P personal puede servir de inspiraci\u00f3n, pero no recomendar\u00eda una reproducci\u00f3n 1:1.<\/p>\r\n<\/div>\r\n<\/div>\r\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-centered.php","meta":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.8.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cartera P2P<\/title>\n<meta name=\"description\" content=\"En esta p\u00e1gina encontrar\u00e1 una visi\u00f3n general de mis inversiones en pr\u00e9stamos P2P. 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