
While there are multiple channels of investments ranging from gold to mutual funds, only a handful of people are exposed to an alternate asset class, Peer-to-Peer Lending (P2P lending).
Peer-to-peer lending is a debt based investment asset with returns going as high as 30%.
In
simple terms, in P2P lending an investor (lender) invests in an unrelated
individual (borrower) through a P2P lending platform.
So
what are the benefits of investing on a P2P lending platform?
With
P2P lending the following advantages exist which give one a higher flexibility
and returns on investments by lenders:
•
High Rate of returns
•
Fixed monthly cash
flows
•
Curated list of pre
verified borrowers
•
Possibility of
diversification among borrowers
•
All operational
activities with respect to liaison outsourced to the P2P lending platform
While
the above objectives are very much prevalent on any P2P platform, on Rupaiya
Exchange for example you have the following other unique benefits of investing:
•
Safety
of Capital through Lender Protection Fund
The
biggest advantage of lending is that there is 100% principal protection at all
times. Hence, while you earn higher interest returns, one is assured that the
principal amount is protected.
•
No
Registration Fees or Investment fees
There
is no registration fees to be paid by the lenders and there are no investment
fees payable to use the platform. Whatever the rate of return you bid for comes
to you directly without any payout to the platform.
•
Flexibility
in the amount to be invested
The
investment amount starts from as low as Rs. 1,000 –
thereby giving flexibility in diversification and spreading of risks.
@RupaiyaExchange is a virtual market place for Peer-to-Peer
Lending.
Rohan Hazrati (@HazratiRohan) is the Founder of Rupaiya Exchange. He
has worked across geographies and in his last assignment was the CFO and
Managing Director of a multibillion dollar enterprise.You can write to us (admin@rupaiyaexchange.com)/ visit the website (rupaiyaexchange.com) or tweet us @RupaiyaExchange
P2P Lending has risks and may affect your capital
Views are personal
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#retirement #fintech #peer-to-peer lending