What I learned running a small P2P allocation next to my index portfolio for 6 years

First post here, been lurking for a while. 49, EU resident, core portfolio is the standard boring stuff IWDA + AGGH 80/20, been doing it since 2014. Not changing that. What I want to talk about is the ~3% sleeve I keep outside the core for EUR monthly cash flow. Mintos since 2019, added Maclear about 14 months ago to see how a different model behaves. Figured someone here might find the comparison useful since P2P comes up occasionally and most takes are either "free money" or "ponzi", neither o