Randomwalk 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
Financepeer is one of the P2P lending Platform which has received NBFC-P2P license. Financepeer Update* Currently due to high default rate I have temporarily discontinued Financepeer .I have been investing in other alternate Investment platform which have been performing really well like Klubworks ,Finzy , Tradeced ,GrowFix and Grip Invest Background Financepeer (Use Code MNJ6547) was setup in 2017 and is registered … Read more
Lot of people invest in Corporate FD to gain some extra return over bank FD’s. We know there is an element of risk as this is a form of unsecured lending and in event of company default capital maybe at risk. There is an alternate solution for people who can make 12%-15% which is much … Read more
This month I have added significant amount of capital to the platform which I had less share uptill now . My goal is to have a more uniform allocation among different platform. This month I will also do a deep dive of my existing NPA across platforms Portfolio Composition April Allocation May Allocation: Portfolio … Read more
If it comes down to choosing Between the two : Arbitrage Fund wins hands down. Let’s take example for people who are in 30% tax slab as it will make the difference more stark. Why do you use Liquid Fund? 1. Liquidity As the name suggest people use it for liquidity. If you take out money … Read more
Each platform has different types of Loans and different Returns. How do we compare the platform Returns. An easy way is to see for each category how much Return you are making after factoring in the Fees and NPA. I have two ways of doing it. One is to rely on platform published data and … Read more
People who have been investing in P2P for a while would agree how difficult it becomes beyond a point to find new borrowers.The only way to tackle is to find more platforms and spread your capital across them.In this process I have recently started investing in OMLP2P . It is too early to comment how … Read more
It is known fact that diversification helps in reduction of total risk . Conventional portfolio use this principle and diversify between bonds and equity etc. This is the foundation of modern portfolio Theory. Let’s take an example . Mr X is 30 year old. Conventional wisdom say he should invest 70% in equity and 30% … Read more
When it comes to investing in Debt most people look into only 2 options: Fixed Deposit Debt Mutual Funds Though these have their own advantages which I have covered earlier, one thing which they lack is liquidity . You end up paying either an exit fees or you have to wait till a stipulated period. … Read more
This month I have made some significant changes in my portfolio. I will be adding a new P2P platform from this month called OMLP2P I have decided to stop my “unidentified risk” category investment in Lendenclub I will cover the rationale in detail .Let me start with the current month allocation and performance stats Portfolio … Read more
