While P2P lending and all the new stuff coming from new technology in finance (for individuals and businesses) can easily average above 6.5%, but taxation is horrible (it&#x27;s part of the income tax in Europe).<p>Taxation is the real shame in all of this. We need better laws on deferred accounts (non taxed accounts). We should be able to keep money invested for x years (where x can be &lt;10) and not paying any taxes until the end of this period. Paying taxes every year kills the compound effects of YoY capital appeciation (a 40% on a P2P lending interest rate of 8% means you net 4.8% instead).