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« Back to articles from category "Finances"

The following article was published in our article directory on February 27, 2012.
Learn more about SpinDistribute Article Distribution System.

Tips on How to Get the Best Rate of Return

Article Category: Finances

Author Name: chickie maxwell

A recent independent assessment showed that Prosper offers the best rate of return in the nascent peer-to-peer lending industry. A report by Ashland Partners confirmed Prosper s earlier reporting of a 10.69|annualized seasoned rate of return for the period from July 1, 2009 to September 30, 2011. Seasoned returns are calculated based on a portfolio of loans that has sufficiently matured for their performance to stabilize, and this measure is believed to more precisely reflect the underlying return of the loans. Prosper is currently the only P2P lender in the industry to use this measure, which it initially reported on October 2011.

However, you will likely not get a 10|rate of return although you will probably still enjoy more favorable returns than the other investments in your portfolio. The best way to maximize your returns is to carefully choose the loans that you invest in so that you can minimize the risk of a default and losing part of your investment. Prosper provides you with a wide variety of data on borrowers that you can use to select which one of them you will loan money to. And of course, there is also the Prosper rating, which gives you a good idea of the creditworthiness of the borrower and the fixed interest rate they can be charged.

One tip to get the best rate of return is not to invest in borrowers with the best Prosper rating of AA, since these will only give you average seasoned returns of 5.18|but rather those with ratings between A to E, since you will get higher returns while still enjoying a relatively low risk of defaults. Of course, if your appetite for risk is high, you can get the most favorable returns from borrowers with HR ratings, which boast of average yields of 17.7 percent.

Another suggestion for getting the best returns is to carefully choose the type of loans in which to invest. The loan types with the least favorable returns include green loans, moving loans and business loans. On the other hand, home improvement loans will give you better returns since homeowners and those who have mortgages offer a stronger risk profile.

The number of credit inquiries that a borrower has is also an indicator of whether or not they are a good credit risk. Those who have no credit inquiries or have no more than two are safer credit risks than those who have had more. On the other hand, those who have at least ten open credit lines are seen to be a better risk than those with less or none. However, if they have too many open lines, that is, thirty or more, they become riskier bets.

But one of the best ways to enjoy a high rate of return is to plow back your earnings from your Prosper investments. With smart investing, the money in your account from loan repayments and interest can really add up quickly so take advantage of this increased liquidity by putting your funds back to work and increasing your lending.

About the Author: MyReviewsNow offers information regarding the rate of return for investments. To learn more about the rate of return, visit our website at MyReviewsNow.net.

Keywords: rate of return

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