“Safe” and “20%” interest is probably not a phrase that you can legitimately hear. But “safest” and “20%” is something else. You can hear it once and once only. Because, of all the opportunities where you might be able to earn that return, one of them has to be the safest among them. What’s key… Read more
P2P Lending Strategy
The Safest 20% Returns In P2P Lending
Create A Balanced ISA Portfolio
This is quite a bit of fun for me today. I’m going to look beyond peer-to-peer lending to my old, very well-trodden stomping ground of shares and savings, where I spent nearly 20 years of my life before peer-to-peer lending took over. If you want to form a portfolio of ISAs containing different kinds of… Read more
3 Huge P2P Lending Mistakes You’re Making Now
We talk to 4thWay users a lot directly, and we see your comments in articles, in our surveys and now even in our new discussion boards. What we find is that lenders are making the same mistakes over and over again – and frankly it is worrying 4thWay’s experts. While the P2P lending sites really… Read more
How 4thWay’s CEO Selects P2P Lending Sites
I have always invested in investments that are relatively easy to analyse, so that I have a good chance of being able to weigh up the risk-reward balance properly, and invest with a large margin of safety. The types of investments I choose also need to come with total costs that are low enough to… Read more
How Lenders Can Pick The Best Loans at HNW Lending
HNW Lending offers many loans with exceptionally high-quality security to protect you against losses. This means that the borrower owns properties or possessions that are easy to value and that are worth much more than the loan amount. For a good proportion of these loans, lenders are also first in line if the borrower has… Read more
ArchOver’s New Auto-Lend: The Right Kind Of Diversification
ArchOver* is now the latest established P2P lending site to introduce auto-lend combined with auto-diversification. The ArchOver Investment Plan, as it is called, does three very useful things, the third is about the type of diversification on offer, which is a feature that deserves expanding on. Firstly, most obviously, ArchOver’s auto-lending saves time for lenders who… Read more
7 Reasons To Put Half Your Savings In P2P Lending
In a recent article, one of his first for 4thWay, freelance investment journalist Cliff D’Arcy suggested the maximum amount that any of us should lend through P2P is 5% or at most 10% of our wealth. Susan, a 4thWay reader, told me on the phone that this frightened her. I’m not surprised. It shocks me… Read more
RateSetter Lending Strategy
Here is the RateSetter lending strategy. RateSetter is one of the simplest and easiest P2P lending offerings available. Lend using the market rate Most of us using RateSetter lend and re-lend our loan repayments automatically using the “market rate”, which is the average rate achieved the previous day. Currently you can expect to lend your money within a day,… Read more
Funding Circle Expansion Loans Are Lower Risk
When you look deep into the detail of Funding Circle’s* loans, you get some interesting patterns. Today, I compared the two biggest types of loans: “expansion/growth capital” versus “working capital” loans to see how they compare on both bad debts and interest rates. Is one riskier than the other and is the interest rate higher to… Read more
Simple Way To Improve Loan Selection & Lower Risk
Until more P2P lending websites have a longer record, searching for patterns to improve loan selection is not possible at most of them. But there’s one way to select loans that I think will work everywhere. Keen investors like to scour through past loans to try and find patterns that help them select lower-risk loans…. Read more