This year, you probably checked your music stats, your screen time, maybe even your fitness recap.
But what about your money?
Welcome to Nectaro Wrapped 2025 — a look back at how investing unfolded on Nectaro this year. No playlists, no genres — just returns, habits, and smart moves.
A year that added up
Over the past year, investors on Nectaro collectively invested €33 735 904.43, generating €1 251 941.93 in interest payouts.
With this year’s strategy strongly focused on attracting new investors, the platform saw a 323% year-over-year increase in active investors, turning steady growth into a truly standout result.
It was a year defined not by one big moment, but by steady participation and long-term thinking.
Who our investors are
Behind these numbers is a diverse and steadily growing investor community.
- The top investor countries by invested amount were Germany, Latvia, France.
- In terms of age, the most represented group was 36–45 years, accounting for 35% of all investors — a segment typically associated with balanced risk awareness and long-term financial planning.
At the same time, Nectaro welcomed investors across generations — from the youngest investor at just 18 years old to the most experienced at 81, underscoring that smart investing resonates well beyond any single age group.
Returns highlights
Investing is about outcomes — and this year delivered.
- Average annual return: 13.14%
- Best-performing month: September
These results reflect a combination of market conditions, disciplined investing, and the power of consistency. Even small, regular investments added up over time.
How investors chose to invest
Every investor has a style — and this year, a few clear patterns stood out.
- 77% of investors used Auto-Invest to build their portfolios
- Average investment size: €2,9k
- Interest rate preferences:
The 12.5% interest rate emerged as the dominant choice, attracting nearly 40% of all invested capital.
This suggests that investors consistently favoured predictable returns over maximum yield, prioritising stability and reliability.
- Investment terms:
When it comes to loan maturities, no single tenor clearly dominates. Instead, investments are spread relatively evenly across different terms — reinforcing a strategy focused on risk management, steady cash flow, and long-term planning.
Automation continued to play a major role, helping investors stay consistent without needing to monitor every opportunity manually.
Where the money worked
One of the most interesting parts of the year? Seeing where investments were allocated.
- Top investment country: Moldova
- Loan type allocation:
Around 66% of all investments were allocated to business loans, highlighting a clear preference for structured, income-generating assets.
Without leaving home, investors were able to diversify across regions and loan types — spreading risk while seeking attractive returns.
Platform growth moments
This year wasn’t just about individual portfolios — it was about collective progress.
- Outstanding portfolio growth:
The outstanding investment portfolio grew from €3.5 million to nearly €20 million in just one year, representing an almost 6× increase year over year. This growth reflects both rising investor confidence and the platform’s ability to scale sustainably.
- Investor base expansion:
The number of active investors increased by 323% year over year, driven by a clear strategic focus on attracting new investors and lowering barriers to entry.
- Auto-Invest adoption:
The number of investors using Autoinvest strategies grew by 374%, confirming a shift toward more automated, long-term, and disciplined investing behaviour.
Each update, feature, and milestone throughout the year was designed with one goal in mind: to make investing more accessible, clearer, and easier to manage — without sacrificing control or transparency.
Final takeaway
This was your investing year with Nectaro — wrapped.
No hype. No noise. Just steady progress, smarter habits, and money that kept working in the background.
And just like with your favorite playlist — this is one recap worth replaying.