Randomwalk This month I have added a new product available on Faircent. The new pool loans seems to be a good proposition and I thought I will give it a try . I would be investing only in pool loans in Faircent. Before I publish my performance I am briefly reviewing the some interesting loans available … Read more
Most retail investors invest in stocks , bonds and real estate as a part of their asset allocation.Though stocks and real estate are one of the primary driver of growing economy it leaves the allocation of a common man in the mercy of market movement and Real estate prices which by nature are very volatile.Most … Read more
How many of us are always scared of losing our job while a huge mortgage is hanging like a sword of damocles over our head. One of the main purpose of investing is to achieve a decent corpus which can help us to be financially Independent. Lot of people in pursuit of this invest based … Read more
Now my Alternate Investment Portfolio is composed of 3 assets: P2P invest ( approx Return 15-16%) Invoice Discounting (12-13%) Settlement Finance( 11-12% approx) Each has it’s own advantage in offering better liquidity or better return. The good part is all these 3 asset classes have low correlation with broad market and provide some stability to … Read more
What is settlement Finance and how does it fit in my asset allocation?What’s the difference between Invoice Discounting and Settlement Finance? I have covered Invoice Discounting in my earlier post: What is Invoice discounting? Invoice discounting is the practice of using company’s unpaid invoices to raise working capital & fulfil its financial needs. Traditionally, financial … Read more
Lot of People ask the question what is the right number of mutual funds in the portfolio.How to choose a mutual fund? There is no universal answer to it but we need to take a step back and think what we are doing when we buy a mutual fund. We are basically choosing a fund … Read more
This month I will cover a couple of topics apart from my overall portfolio Performance: How to choose invoices to invest in invoice discounting platform How to Manage your Liquidity efficiently Portfolio Composition Portfolio Changes: My portfolio composition has been changing recently based on availability of loans. I prefer to be able to check out … Read more
How would have a portfolio of just equity and bond funds performed vis-a-vis hybrid portfolio of (equity + Alternatives)? First let’s see how the equities performed in the last 12 months. I will take the Index performance for large cap, mid cap and small rather than some mutual fund as it will give a better … Read more
To enhance my portfolio diversification I have increased my investment in some of the platform which have been performing well and my initial investment had been low. viz OMLP2P and FinancePeer. I have also decided to not increase my investment in Lendenclub and cashkumar for now primarily because auto invest is very slow in these … Read more
This month I have added FinancePeer in my portfolio to take exposure to Education Loan borrowing. Apart from publishing my portfolio performance I will also cover : My Receivable Finance Portfolio Investment Capital Structure of my investment and Liquidity Analysis Portfolio Composition May Allocation: June Allocation Portfolio Changes: I have started investing FinancePeer I have … Read more
