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 more
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 more
One of my favorite posts to write each year is my late March Anniversary post. This year marks 5 years since I started this blog and I can’t believe it. Starting from nothing and now I write on finance and fintech issues on a full-time basis. It’s fantastic and thank you so much. Previous Anniversaries … Read more
When I wrote my book on P2P Lending for the retail investor, P2P Investing 101 (the paperback version here), that came out in November, there were only 7 options for retail investors. Those options were Lending Club and Prosper, as well as 5 options that take advantage of the adjustment to SEC Regulation A known … Read more
The year in fintech had 2 dominant themes. It was an amazing year of growth, innovation, adoption, and acceptance for fintech all across the world. Big Theme #1: Bitcoin 2016 was the year where the world discovered Blockchain technology, the technology underpinning Bitcoin. Investments and potential uses for the new technology went rampant in 2016 … Read more
Unlike EthLend, which is lending agnostic, Wish Finance is specifically for lending to small and medium-sized businesses, otherwise known as the SME market. Wish is based in Singapore. The white paper explaining their program is found right here: Wish Finance White Paper. Wish also has a separate pdf file giving an overview of their business. … Read more
Of the 7 retail investor friendly platforms out there today, we found big news from 2 of them this week. That’s on top of Lending Club’s positive earnings surprise last week. The two platforms in question: Prosper and AHP. Prosper Q2 Earnings Prosper surprised everyone with their earnings that start with them posting a cash … Read more
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 more
Retail ‘little guy’ investors like us have the JOBS Act , passed in 2012, to thank for the amendment to Regulation A known as Reg A+. The nickname for Reg A+ is the mini-IPO (initial public offering) as most people in finance see it as a miniature version of access to public markets. Currently, there … Read more
Diversification. This is a word used often in the investments world and it’s based on the idea that you shouldn’t put all your risk into one investment. ‘Don’t put all your eggs in one basket’, right? But diversification is more than just spreading your money out over numerous investments. It also means you need to … Read more