No asset class offers guaranteed returns, and P2P lending is no different. Returns depend on borrower repayments, and delays or defaults may affect earnings.
You can manage risk by diversifying, lending regularly, and reinvesting repayments.
Historically, many LenDenClub lenders have earned 12–15% p.a. XIRR through a well-diversified approach.
In short: returns aren’t guaranteed, but smart diversification can help strengthen your portfolio.