Randomwalk Wish you all a very Happy New Year! Hope to find more interesting investment opportunities and hacks in 2020 . In this post I will be covering two topics: Analysis of the P2P platforms for 2019 New Loan and Invoice Products Introduction to Model Portfolio P2P Platforms performance In the 2019 I experimented with multiple … Read more
In India Real Estate Investment has traditionally been a source of wealth generation. The new generation has started investing in other asset classes too but still lot of people buy Flats as an investments. Flats are good for living but as an investment they are risky because of: The sheer amount of money and leverage … Read more
Finzy review based on my 2 year experience. Recently RBI has increased the investment limit in P2P from 10 Lakh to 50 Lakh. This is a great move for P2P platform which will now attract lot of affluent individuals! Update: I have done an in depth analysis and covered the covid-19 impact on portfolio More … Read more
Last couple of months saw lot new and interesting loans and products been launched by few platforms.A brief over view on those products I2I Funding group Loans: The product is interesting as the yield is quite high and there are multiple guarantor. Due to cross guarantee I will consider it less riskier than single borrower … Read more
I have covered various high yielding assets which can be used in the portfolio to enhance returns. Most people do not know that they can use their existing long term stock or ETF holding to generate yield. One of the easiest strategy is called Buy Write. This is a good strategy for people who think … Read more
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
