A lot has been written about diversification in peer to peer lending, including on this site .It is the most important factor in P2P lending. Beginner investors sometimes pay too much attention to the details of each individual loan, occasionally forgetting to simply diversify their investment across hundreds of loans. Many get really frustrated after few […]
Month: April 2019
Creating Liquidity Using P2P lending
One Important feature of P2P lending is that it pays EMI which is sum of the principal Invested and Interest. I had covered how it can be used as an emergency fund in one of my earlier article. Parking Emergency Fund In P2P Platform Today I will demonstrate how to get a ball park figure […]
REIT vs Real Estate
What is A REIT? REIT stands for Real Estate Investment Trust REITs are securities linked to real estate that can be traded on stock exchanges once they get listed. The structure of REITs is similar to that of a mutual fund. Just like mutual funds, there are sponsors, trustees, fund managers and unit holders in […]
Is SIP better than Lumpsum Investment?
NO SIP is not beneficial If you think SIP has the power to allay your loses or protect you from volatility as promised by the mutual fund houses, Investment advisory, then brace yourself for a shock! We get salary every month so we are forced to invest every month. If you have 100Rs now its […]
Why P2P Lending Allocation in Portfolio makes Sense
Peer to Peer Lending is a relatively new asset class in India but has been an active asset class in UK and US for more than 14 years now. How does P2P lending fit in an asset allocation and what advantage does it provide compared to an Equity and Bond Portfolio? Let’s see the performance […]
Model Portfolio Performance
There are 2 Kind of people : Who believe you can’t time the market Who believe you should invest in market only when it’s undervalued. Both are correct to an extent , though it’s not impossible to time market but to do it consistently is impossible but it is possible to improve your odds of […]
Real Estate vs Mutual Funds
Its not an apple to apples comparison ! POINT 1: House Return = Residential property Return + Your house Buying Skill Let’s first start comparing Real Estate Return with Broad stock market Return I have written few answers on this ,how the end results is determined by many factors Without Leverage Real Estate Return = […]
P2P Portfolio Analytics (March ,2019)
With the growing size of the book finding volume becomes important and I will have to look for more platforms which can provide good risk adjusted returns. Any suggestions are welcome! I have compiled my latest portfolio performance with NPA Initially for the first 7-8 Months realising NPA and delinquency was a challenge .If you […]
Is Real Estate Investment an Asset or Liability?
It can be both an asset or Liability! 10 years ago Flat bought in Noida is a liability today and in Gurgaon an Asset. NOIDA Buying Flats is like buying Equity . If you buy at the right price, Right asset and right time it becomes an asset or else a liability! Many factors which […]
Create a Risk Free Fixed Deposit Portfolio
Most Short duration and Liquid Funds are marketed as instruments which provide higher liquidity than FD and slightly higher yield. This is a myth because: Short term (below <3 year) Debt funds are taxed at your tax slab which means it could be as high as 30%. No matter how safe a debt fund claim […]
