Building the 2026 portfolio: balanced growth powered by P2P

The optimal portfolio structure for 2026 is built around ETFs and equities. P2P investments strengthen their position as a source of enhanced yield within the alternative segment.

Analysts of the Robocash platform compiled a comprehensive rating of investment instruments for 2026 based on seven key parameters: simplicity, entry threshold, liquidity, volatility, overall risk level, five-year return, and growth factors. Each criterion was assigned a weight of between 5% and 25% due to the varied impact they have on the overall score. The results highlight a hierarchy of assets and outline a rational allocation model for this year.

ETFs lead the ranking with 87.5 points, making the fundamental building block thanks to diversification, liquidity, and strong structural growth drivers. Equities follow with 79.5 points and serve as the primary engine of long-term returns. Rounding out the top three, gold (77) continues to serve as a macro hedge and portfolio stabilizer, particularly valuable during periods of geopolitical and monetary uncertainty.
While slightly below traditional fixed-income instruments in the overall ranking, P2P demonstrates strong performance across several meaningful criteria (67.5 points): low entry thresholds, full digital accessibility, competitive five-year returns, and sustainable growth drivers supported by the expanding fintech ecosystem.

"In the alternative investment landscape, P2P is seen as a yield‐generating segment comparable to real estate and private equity, while being viewed as more accessible in terms of capital requirements and operational simplicity. This perception is reflected in investor sentiment. According to a recent survey of Robocash investors, nearly half of respondents indicated they would consider allocating 10-25% of their portfolio to P2P investments". - the experts say.
At the same time, real estate and private equity (64 points each) remain long-term risk premium assets, though with higher entry barriers and lower liquidity compared to digital alternatives. For those seeking additional upside, cryptocurrencies act as a tactical growth accelerator, offering strong historical return dynamics albeit with higher volatility.
"2026 is the year of rational diversification. Equities form the foundation, gold adds stability, cryptocurrencies provide tactical upside. And P2P becomes a moderately yielding component that enhances overall portfolio efficiency in a shifting interest rate cycle," the experts add.

Disclaimer:
The information provided does not constitute investment advice. Robo.cash experts offer an assessment of potential portfolio returns and risks based on their own assumptions and analytical models. The estimates and projections are for informational purposes only and do not guarantee future performance.

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.