Randomwalk 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
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
