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The following article was published in our article directory on February 23, 2012.
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Article Category: Finances
Author Name: chickie maxwell
With the warning from the Federal Reserve that interest rates are expected to stay low until 2014, investors are looking for alternative investments that offer a higher rate of return. One of the most popular investments is peer-to-peer lending, which connects borrowers looking for loans with ready lenders. P2P companies act as a middleman between borrowers and lenders, and make money by charging transaction fees. P2P lending is a way for people to avail of personal loans who would otherwise have no access to credit, while still enjoying interest rates that are generally smaller than they would get from other lending institutions.
Investments in P2P are steadily growing as investors seek a more favorable rate of return than they could get with traditional investment instruments such as stocks and certificates of deposit. One of the most popular P2P companies, Prosper reports verified average seasoned returns of 10.46|; however, the actual rate of return on your investment may be higher or lower depending on the risk profile of the borrowers you choose to loan money to. Returns for the most creditworthy borrowers registered with Prosper offer average seasoned returns of just 5.2|while the riskiest loans can give average returns of as much as 17.7 percent.
Investing in P2P offers a range of advantages, including a pre-screened pool of creditworthy borrowers with a minimum credit score of at least 640, a low buy-in (you can invest with as little as $25) and the ability to choose your investments based on the level of risk you re willing to shoulder. To begin investing in Prosper, you will need to register for an account at the site and then link your bank account to it. If you want to, you have the option to open several accounts to increase your rate of return. Once the details of your bank account have been verified, you can begin choosing an investment.
There are two ways to find a borrower at the Prosper site. You can browse individual borrower listings to find one you would like to loan money to based on their Prosper rating and other information in their borrower profiles. Or you can utilize the Quick Invest search function to locate borrowers for you based on search criteria such as their Prosper rating (a measure of their creditworthiness) as well as other factors such as loan amounts, specific loan terms and even employment status. You can also choose to trade in Prosper Notes by signing up for the Folio Investing trading platform, with your earnings credited straight to your account.
Getting the right mix of borrowers is the key to getting the best returns and you should make sure to diversify your holdings by choosing a mix of Prosper ratings as well as other indicators. And you should make sure to maximize your earnings by reinvesting them, since until interest rates recover you will get a better rate of return than if you parked your money in the bank or put it in other investment instruments.
Keywords: rate of return
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