The mantra in marketplace lending is to build, buy or partner. When people say this they are talking about fintech firms and banks and how they should work together. One side left out of this equation is fintech platforms getting into lending for their own customers like Amazon, Paypal, or EBay. All are or soon … Read moreAmazon, PayPal & EBay Expand Lending Options
Seriously. I’m asking. Is p2plending dying? Returns have sucked the last couple of years for all investors, but especially us retail investors since the 2015 and 2016 vintages have performed so poorly. My own returns are 400-500 basis points lower than my returns on my 2013 and 2014 vintage loans were and I know some … Read moreIs P2PLending Dying?
How much should I invest in peer to peer lending? I get this question every week and like many investment related questions, the answer is it depends. Remember, everyone’s financial situation is different and I’m not a financial advisor….. While the real answer is it depends, there are some things you should look for when … Read moreHow Much Should I Invest in Peer to Peer Lending?
The date was March 2013 Almost 5 years ago, I started this blog with 2 purposes in mind: to keep myself accountable on my newly discovered p2p lending investments and to apply my credit and financial knowledge to this market to help individual retail investors. At that time, only my friends at Lend Academy were … Read moreThe Buy Stu’s Book Post
After yesterday’s close, Lending Club (symbol: LC) announced its 2nd quarter earnings. If you want to read the entire transcript from the earnings call yesterday, here is a copy at Seeking Alpha. (a free email signup required to read it all) You can also find the numbers and presentation on the LC site. Let’s check … Read moreLending Club’s 2nd Quarter Earnings
Peer lenders are more transparent (and probably more honest) than any financial services industry companies thanks to the access to their data. Sometimes that data is in a raw form and needs to be cleaned up before we slice and dice it. There are a couple great tools that you can sign up for free … Read moreMarket Resources for Retail Investors
Fixed income yields are terrible right now. You know you need to build a portfolio of more than just stocks to properly manage risk. The best portfolios have different asset classes in them that don’t correlate with each other, aiding us in proper risk management. Both stocks and fixed income in a portfolio are needed … Read moreBonds vs P2P Loans: A Primer
Now that we are a month into the new administration, where exactly are we? P2P Lending In a Good Position The result of the Presidential election was a surprise to many people. Even the markets themselves had no idea how to react with futures down by more than 5% the night after the election, at … Read moreMarketplace Lending in the Age of Trump
The industry bellweather Lending Club announced its earnings this morning before the opening bell of the stock market for the week. The consensus of 6 analysts that cover the stock, according to Zacks Investment Research is an EPS (earnings per share) of -$0.10. Let’s see how they actually did. By now you know about what … Read moreLending Club’s 3rd Quarter Earnings
So far, I can honestly say I have one success and one failure on my AutoInvest program. Let’s start with the failure first. This isnt exactly my fault but my adding Bitcoin to my BTCJam account happened to almost exactly coincide with their announcement that they are exiting the US in terms of lenders and … Read moreAuto Invest Update: March 2016