First investment at

My foremost investment outside of was made at at 2nd march of 2016. 

This was close to a year and a half later than I started investing at the first place. Also by 2nd of march 2016, I had transferred 248,49 euros of my own funds to portfolio and had earned 38,57 euros of interests.  Which was not bad, but also not that good. So I thought to myself, why not try other, better and foremost foreign peer 2 peer (P2P) platforms?

I previously heard great things about So, there I went! I had done my research! Asked a great deal of questions from different people, forums and Facebook groups. Had my mind set up for an investment made other than

The first investment at I made was at 2nd of march 2016 at a sum of 10€ + transfer fee  to foreign country, which was 0.38€.

Again, I started investing with low sums of money, because that’s the beauty of P2P lending.

Some numbers about

As you can see on the next graphic, has steadily but surely given out loans and will soon break the 500 million euros invested mark.

Cumulative investments, in €

On this graphic, you can see that investors have breached the 6 million euros  interests mark. cumulative interest paid to investors, in €

As you can see on this image, that Twino has 3 major benefits.

  1. Proven track record – Twino has played a crucial role in the rapid expansion of P2P lending in Continental Europe – We have already originated over € 500m in unsecured consumer loans since our inception in 2009.
  2. BuyBack guarantee – Twino will buy back loan (principal amount and accrued interest for full term), if a borrower is late with the repayment for over 30 days.
  3. No currency risk – Twino offers investments in EUR and GBP, to protect investors from currency benefits




Finance Freedom

Hi! My name is Lukas, I am in my mid 20’s and I am an engineer from Estonia. I started investing at 2014, so I have been investing for over 6 years. In addition, I was 20 years old, when I started my first company and just 21 years of age, when I made my first investments. I was hooked instantly! In this blog I will be documenting my journey towards financial freedom.

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