Can you rely on P2P lending as a suitable investment for retirement? Let’s find out in our analysis.
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About P2P lending:
P2P Lending is considered a high-risk investment form, that can lead to a total loss of investor’s money. If you decide to participate in P2P lending you do this at your own risk. Each P2P platform, as well as its stakeholders, are subject to risk. Read the terms and conditions as well as the user agreement of individual P2P platforms and conduct your own due diligence to fully understand the protection and risk connected to P2P lending….(read more)
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Write an article about Is P2P Lending A Good Investment For Retirement? in English
We've got a platform called Urbanitae in Spain, also offered by MyInvestor, why is it not on your list? Thanks for all videos!
What would be best approach here, set some sort of target amount and when reached, cash-out and start from scratch again?
When i invest i look mostly at the lending companies that offer short term loans or car loans. It's very similar if you are investing on the stock market, you also analyze the companies, financial results, news etc.
On 5:19 on the video, I can see that your IRR for PeerBerry is only 6.89%. Interest on their web page is 9%-12%. How do you explain that? Thank you.
Recording success in Cryptocurrency, Bitcoin is not just buying and holding till when bitcoin sky-rocks, this has been longed abolished by intelligent traders ,mostly now that bitcoin bull is still controlling the market However , it is best advice you find a working strategy hub/daily signals that works well in other to accumulate and grow a very strong portfolio ahead. I have been trading with Mr Bernie doran daily signals and strategy, on his platform, and his guidance makes trading less stressful and more profit despite the recent fluctuations. I was able to easily increase my portfolio in just 3weeks of trading with his daily signals, growing my 0.9 BTC to 2.9 BTC. Mr Bernie’s daily signals are very accurate and yields a great positive return on investment. I really enjoy trading with him and I'm still trading with him, Bitcoin is taking over the world, and its a good retirement investment plan .
@P2PEmpire Great Video ! Just so you know the calculators on your website are not working when you change the variables (result is "NaN")
Funding Circle shut for P2P a while ago now so that's dead as well. Most UK P2P has died with cheaper funding options and regulations. Risk and reward always go hand in hand…
Based on experience for many years, Zopa used to offer unsecured loans with around 4-6% interest rates (based on risk) with a "reimbursement" pool initially. That reimbursement was switched off after a while and then you had to rely on debt collections for any default recovery.
Over the years the rates went to around 3%-4% which in my opinion was too little reward for the amount of (unsecured) risk you took.
In the end they became a bank and turned off their p2p component
Jacob,
1. have you tried to withdraw money from your Estateguru account or any other platform lately??
2. The number of loans on the platforms is close to zero, be it on Peerberry, Robocash, Esketit…
Brilliant video Jakub and really helpful as I will be retired within 5 years. Thank-you
Around 20 quality Dividend stocks (or ETFs if preferred) & 2-3 quality P2P platforms seems like a good plan. (ex 70% in stocks / 30% in p2p)
Ideal scénario would be to invest for 5 years and stick to your favorite platforms. After these 5 years the P2P market would have matured a little bit more and you would have noticed if your favorite trusted platform still performs adequately. A lower interest rate is indeed not a bad sign as long as the funds are "safe".
To take an exemple both Robocash amd Perrberry lowered slightly their interest rates. If it means to keep the platform relevant and competitive it's all good.
S&P500 historical return is 8% a year. At the moment good platform have an average of 10-11%. Which is market beating returns.
If you are still not entirely sure about P2P maybe instead of reinvesting interest it could be interesting to use these interests to invest into stock markets or safe government bonds.