How to use the mixes
Every mix follows three fixed rules: never fewer than two platforms, never more than 40% on any single one, and always at least two different supervisory regimes once your capital passes EUR 2,000. P2P itself should stay a slice of your wider portfolio - experienced investors cap it at 20-30%, with the rest across ETFs, bonds and cash.
Start from the mix, not the platform: decide how much risk you want first, then let the split follow. If an amount falls below a platform's minimum (InRento requires EUR 500, for example), fold that slice into the closest platform or wait for your next deposit. And check the calculator: each mix's expected yield already accounts for the gap between advertised and realised returns.