Peer-to-Peer Lending: Is P2P Lending a Good Passive Income Strategy?

Published on November 22, 2023

Top videos highly rated Alternative Investment Opportunities, Roth IRA Investments, Credit Score, and Is p2p Lending a Good Investment, Peer-to-Peer Lending: Is P2P Lending a Good Passive Income Strategy?.

This video discusses Peer-2-Peer (P2P) lending as a passive income generation strategy. I have tried many forms of passive income ideas in the past including P2P lending. In this video, I want to discuss if generating passive income through P2P lending is worth it.

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✅ REFRENCES ✅

📚 12-month percentage change, Consumer Price Index, selected categories
💙 https://www.bls.gov/charts/consumer-price-index/consumer-price-index-by-category-line-chart.htm

📚 Best Peer-to-Peer Lending
💙 https://www.investopedia.com/articles/investing/092315/7-best-peertopeer-lending-websites.asp

📚 About net annualized return (NAR)
💙 https://www.lendingclub.com/investing/investor-education/about-net-annualized-return–nar

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#P2P #Peer-2-Peer #passiveincome #Lendingclub #Prosper #Upstart
#peerform #inflation #investing #Peer-to-Peer #fund #money

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✅ About this video ✅

P2P Lending is a relatively new approach to the borrowing-and-lending experience. P2P platforms are called “peer to peer” because they bring regular people – peers – together to participate in two sides of the same lending transaction. By cutting out traditional financial institutions like banks, borrowers may be able to access funds quickly, and investors might get a healthy return. As an investor, you become the bank for someone else who needs to borrow money.

Advantages/Disadvantages of P2P Lending

For investors, P2P lending generally provides higher returns to the investors relative to fixed rate investments that currently pay next to nothing. For borrowers, peer-to-peer lending provides a more accessible source of funding than conventional loans from financial institutions. Lastly, both investors and borrowers benefit because online platforms have made the entire process quick and easy plus they have removed the middle man, lowering origination fees.

Nevertheless, peer-to-peer lending comes with a few disadvantages. First, many borrowers who apply for P2P loans possess low credit ratings that do not allow them to obtain a conventional loan from a bank. Therefore, a lender should be aware of the default probability of their counter-party.
Second is that the government does not provide insurance or any form of protection to the lenders in case of the borrower’s default. Finally, the biggest disadvantage for lenders/investors is that competition between lenders/investors especially on larger platforms puts a downward pressure on interest rates you can charge from borrowers.

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✅ About this channel ✅

Hi everyone! My name is Hamed Dadgour and I am excited to see that you are interested in my content.

Financial Intelligence seeks to deliver best in class educational material in subjects related to personal finance, retirement, investing and financial freedom. Our main goal is to create engaging videos to communicate somehow complex financial matters in a simple to understand manner.

We advocate for long term investing strategies. Short-term trading strategies and get-rich-quick-schemes are dangerous trends that are taking the financial world by storm. Our goal to provide sound and level-headed recommendations.

This channel is particularly targeted towards individuals seeking a breadth of knowledge across a variety of financial disciplines. The range of topics I plan to discuss on this channel are value investing, financial freedom, mutual funds, index investing, monetary policies, inflation and other related economic topics.

Welcome to the channel and please subscribe!

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✅ Timestamps ✅

0:30 Intro
2:20 Advantages/disadvantages of P2P lending
4:00 Risk/return profile of P2P lending

Is p2p Lending a Good Investment

Is p2p Lending a Good Investment, Peer-to-Peer Lending: Is P2P Lending a Good Passive Income Strategy?.

Trade In Peer To Peer Loans With A Lending Club

Folks always ask “what are the best short term investments?” and the answer is really quite simple. When it comes to Investments for beginners, one of the best ideas may be to create an investment portfolio.

Peer-to-Peer Lending: Is P2P Lending a Good Passive Income Strategy?, Search more reviews about Is p2p Lending a Good Investment.

Is Debt Destroying Your Life?

It is often considered to be one of finest vintage wines from the 20th century. Such funds may be good investments from the salesman’s point of view, but not so if you are the investor. Finally, in March, XYZ is worth $20, so you buy five shares.

Folks always ask “what are the best short term investments?” and the answer is really quite simple. It is an individual preference. The best investments are obviously ones that you will make money from that is after all the goal in any investment vehicle.

You could also opt for a merchant cash advance. This basically means that the lending company will evaluate the potential of earnings based on your credit card transactions. Based on this you will be given a loan. Every month, in proportion to the sales that you make, the lending company will begin to retrieve its merchant cash advance. It works out easier as it takes the pressure off you as far as monthly installments are concerned. There is also what is known as Peer-to-peer lending investment funding.

If you aren’t young, have a family and all the expenses and debts that go with that,and are not making enough money working for someone else to get ahead, you don’t have the same options. Night school, years of part-time education and training, with your creditors hounding you every step of the way…sound familiar?

One of the most popular ways of getting low-interest rates loans using the Internet is Peer-to-peer lending. These are lending networks of many individual lenders (investors) who give out small loans to people that need it. When you borrow money or an unsecured loan from a bank and you default, the bank losses a lot of money.

Just remember that you should not make investment to somehow get instantly rich. This is most risky investment and there are chances that you may lose your hard earned money. If this was that easy then everybody would have been a richer person!. Make wise Investments for a long term and allow your funds to grow. Make short term investments if you know that you may need funds in between for your personal needs and stick with fully safe instruments like CDs (Certificate of Deposits).

Because managed funds cover the whole spectrum of investment risk profiles, you can easily cover your preferred investment portfolio, as described above, by investing in several different funds.

Before you invest your hard-earned dollars, it’s important to talk with a trusted advisor about what is best for you and your situation. Everyone is different, and your level of risk tolerance may be higher or lower than others. Do you due diligence and research before investing in any product, including Trust Deeds.

Also, you will be privy to any comments other borrowers may have had with a particular lender. We just need to compare specific key points between coins and bonds. Have you ever asked to have your money refunded after buying something online?

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