No boom ahead: The alternative investment market to remain stable in 2026

The platform Robocash has released the results of a latest survey examining investor expectations for the alternative finance market in 2026. The study indicates a slight shift toward a more cautious outlook compared to last year.
According to the survey, 37% of respondents do not expect any changes in the alternative investment market in 2026, while 35% predict growth. However, this is slightly lower than in 2025 (40%), which reflects a cooling of optimism amid changing macroeconomic conditions.
When asked about portfolio allocation, most respondents plan to further increase their holdings in ETFs and stocks, which shows a continued confidence in traditional equity markets.
P2P lending still ranks as one of the most popular choices, although it has shifted from the second to the third place compared to 2024. Notably, investors anticipate that declining interest rates will be a key trend shaping the P2P market in 2026.
"For many retail investors, P2P has historically been a source of higher returns compared to traditional assets. Even with interest rates expected to decrease, P2P remains an attractive asset. Investors are becoming more selective and favouring platforms that have proven their reliability over time," Robocash analysts comment.
As for traditional instruments, respondents remain cautious about them, but not eager to entirely abandon this option. While a year earlier bank deposits were the first asset in line for reduction, now they rank the third.
"This suggests a balanced approach - looking to boost allocations in growth-oriented assets such as ETFs and P2P, while maintaining a cautious stance on conventional low-yield investments," the analysts add.

ROBOCASH d.o.o
Petračiceva 4, Zagreb, Croatia, 10110

Robo.cash is a Croatia-based fully automated investment platform with a buyback guarantee on investments operating within the European Union, the UK and Switzerland. Launched in February 2017, the platform belongs to the financial holding UnaFinancial that provides fintech services across fast-growing markets in Asia and Europe. As a part of the holding, Robo.cash works according to a "peer-to-portfolio" model providing an opportunity to invest in consumer and commercial loans issued by the affiliated companies. As of December 31, 2025, it has attracted €75M of investments and funded over €1.2B worth of loans.

This release was published on openPR.