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People keep asking me which is the best mutual fund? Which is the best stock in long term? Will Crypto make it big? Is Real Estate better than Stock ? Is P2P lending good? I should be honest about it that I dont know the exact answers of these questions ! I can only predict … Read more

This month I have completed  1.5 years investing in P2P lending platforms. Overall the experience has been good. There were some hiccups though in the form of selecting good platforms,choosing category of loans but with experience you learn from your mistakes.  Today I will compare my  latest portfolio performance with the other asset classes for … Read more

“Mutual Funds Sahi Hai” , the omnipresent tagline these days has become a buzzword these days   if you watch TV or read newspaper. In one of the advertisement the protagonist draws the analogy between Mutual Fund and Test match where the probability of making money increases with time we spend holding the mutual funds. The … Read more

I had covered portfolio return computation for lendenClub in last post. Uptill now it was really difficult calculating I2I return using XIRR method and I have to resort to NARR method using R programming.With the release of “My Account ”  feature it has become very easy to calculate portfolio performance. Step1: Calculate the net income … Read more

In my endeavour to create a robust P2P lending portfolio I will cover how I calculate return for my portfolio.I will start with LendenClub and in  the next  few posts will cover rest of the platforms. The return provided on the platform are expected returns and can be misleading.That is a futuristic projection based on … Read more

In continuation of my blog posts on  P2P returns and performance  I am publishing my  latest quarterly portfolio .  I have steadily increased my exposure across various platforms and my performance has started stabilizing which is a good indicator of Portfolio health due  to diversification. Portfolio Composition December Allocation   January allocation Portfolio Changes: I … Read more

Lot of people want to  borrow money online. With so many P2P platform available it becomes very difficult to assess where we can get the best deal. I have prepared a comparison of various P2P borrowing Platform charges. Fees for each Interest rate category is given   Rupee circle is the best platform for a … Read more

When it comes to investing in P2P platforms I have covered various aspects related to calculation of returns and factoring of defaults .One important factor in choosing a platform and duration loan I would want to add is Platform fees! How is the Fees calculated? Each platform  has its own method of levying the charges.Some … Read more

I have been publishing my P2P portfolio every month .Another arsenal people can add to their investment portfolio is Credit Risk Fund. Why to use? Everybody does not have a 10-15 year horizon which is the requirement for  an equity portfolio to get decent returns.Even then a large cap fund will not deliver more than … Read more