30-09-2020, 04:47 PM
(29-09-2020, 01:16 PM)dualinvestor Wrote: The evolution of P2P has seen massively lower volumes than anticipated for the low interest margins anticipated to provide a viable business model for the critical mass needed by the retail problems and the idea of individuals being able to properly assess loans to businesses where they had little or no previous experience frankly laughable.Interest rates are satisfactory not only for retail investors but also for institutional ones. Take as an example Lendit, ten years ago they had 5% of institutional investors (in terms of total invested amount) and 95% retail investors. After ten years, the numbers switched and now they have 95% of institutional investors and 5% retail ones. Why do institutional investors joiin Lendit? The main reasons: risk-adjusted returns, cash flows, short duration, diversification, and low correlation with other investment options. The same is true with Viventor, they now have over 20% of investors on their platform that have invested over 100k of Euros. The number of them has been increasing steadily. The reasons are the same as mentioned above. Plus, all of their loans are backed by a buyback guarantee and an average annual interest rate is 13.6%. Not sure about brave and foolish! You can look into them on your own: https://www.viventor.com/investing-with-us
If people are brave enough to lend on Viventor iven the history of P2p with the added risk of it not being in this country good luck to them. But perhaps they should remember in business brave and foolish are often interchangeable.