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Am I Crazy Crowdfunding Loans??
Old 07-03-2018, 12:14 PM   #61
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Am I Crazy Crowdfunding Loans??

As for OP, I consider most of these P2P to be more suitable to supporting a good cause than investing in something with a reasonable balance between risk and reward. 7 % is not enough to compensate for the risk involved, but if someone has a good idea that I want to support I would accept the risk on a tiny investment , maybe 1%.

EDIT: the market maybe overvalued but there are plenty of individual stocks, including dividend payers that are not overvalued. These may drop when the market corrects, but I'll take the chance that the drop will be less the the overall market and/or quickly recover.

...with no reasonable expectation for ER, I'm just here auditing the AP class.Retired 8/1/15.
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Old 07-10-2018, 09:36 PM   #62
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Join Date: Aug 2017
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I like P2P lending and wrote a check to LendingClub as soon as I sold my house. I'm getting about 5.5% currently, it was better at the bottom of the GFC. Lender quality has dropped, interest rates rising makes risk less worthwhile.
I suggest P2P mortgage lending. My income is from a mortgage note. I consider it to be better than bonds since the value is less interest rate sensitive.

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