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The following article was published in our article directory on February 14, 2012.
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Do Good by Investing in Prosper While Still Enjoying a High Rate of Return

Article Category: Business

Author Name: chickie maxwell

In these hard economic times, there should be more to investing that simply getting a high rate of return. P2P lending offers an excellent investment opportunity that allows you to help others in need get access to credit while giving you better returns than you would get from conventional investment opportunities such as stocks or money market accounts. And although there are dangers in investing in peer-to-peer lending, these can still be managed by diversifying your borrowing portfolio and other prudent investment strategies.

One of the best P2P companies in the industry is Prosper, which has grown to become the biggest peer-to-peer lending marketplace in the US since it was launched in 1996. At present the company already has over 1.2 million members registered on its site and has funded over $302 million in loans. Prosper connects borrowers with lenders, cutting out the middleman and reducing the overall costs of borrowing. And it is the only P2P company that can report verified average seasoned returns of 10.46|for its investors.

To start investing on Prosper, all you have to do is sign up for an account on their site and then provide their bank account information. Once the information has been verified you can start looking for a borrower.

The main method to find a borrower is to browse individual listings. The listing provides a wide amount of information about the prospective borrower, including the loan amount requested, lender yield or interest rate less servicing fee, Prosper creditworthiness score, credit score and loan history, as well as a description of why they need the loan. This allows you to pick the borrower that you feel most comfortable lending money to and who will also give you a good rate of return. The interest rates charged the borrower is based on the Prosper rating, with those ranked AA enjoying the smallest interest while those with HR ratings being levied rates of as much as thirty-five percent and loan terms are three and five years. Once the loan is completely funded, the money is released to the borrower and your share of the proceeds is credited to your account based on what percentage of the loan you ve invested.

A more handy method for investing in Prosper is the Quick Invest search function, which will find loans for you based on search criteria that you define. All you have to do is enter the full amount you want to invest and the maximum investment amount and then select the desired criteria. The default criteria is the Prosper rating although you can also set Quick Invest to find loans using more detailed criteria. Once you re satisfied with the loan selection, all you have to do is confirm your order.

You can also choose to trade your Prosper notes by signing up for a Folio Investing trader account. Once your account is operational you can buy or sell notes, with the proceeds being sent to your bank account. This is a great way to find Notes with a higher rate of return than those you may presently have in your portfolio.

Keywords: rate of return

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