QUOTE(ratloverice @ Nov 17 2019, 12:02 AM)
Easy to get approval or not?Investment P2P financing, A place to talk about P2P financing
Investment P2P financing, A place to talk about P2P financing
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Nov 17 2019, 12:08 AM
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All Stars
14,359 posts Joined: Oct 2004 |
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Nov 17 2019, 12:12 AM
Show posts by this member only | IPv6 | Post
#2442
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Junior Member
804 posts Joined: May 2010 |
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Nov 17 2019, 12:14 AM
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All Stars
14,359 posts Joined: Oct 2004 |
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Nov 17 2019, 12:27 AM
Show posts by this member only | IPv6 | Post
#2444
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Junior Member
804 posts Joined: May 2010 |
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Nov 19 2019, 05:41 PM
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Junior Member
85 posts Joined: Sep 2018 |
QUOTE(ratloverice @ Nov 17 2019, 12:27 AM) yes from your point of view as an issuer 12% p.a is high...really understand ...but what options you have as a SME? if banks reject you? in the old days you go to loan shark they charge 7-10% mer month, so now the alternative is P2P finance, as an investor, I prefer to invest in notes from 13-16% p.a, everything below I am not interested. |
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Nov 20 2019, 08:50 AM
Show posts by this member only | IPv6 | Post
#2446
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Junior Member
804 posts Joined: May 2012 |
QUOTE(Liew2 @ Nov 19 2019, 05:41 PM) yes from your point of view as an issuer 12% p.a is high...really understand ...but what options you have as a SME? if banks reject you? in the old days you go to loan shark they charge 7-10% mer month, wow risk taker, 18% one u dare or not?so now the alternative is P2P finance, as an investor, I prefer to invest in notes from 13-16% p.a, everything below I am not interested. |
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Nov 20 2019, 11:29 AM
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Junior Member
85 posts Joined: Sep 2018 |
QUOTE(-CoupeFanatic- @ Nov 20 2019, 08:50 AM) oh no..its not about risk, my risk investments are higher ..but also total lost , futures and margin trading..ha ha..but coming to SME financing I think asking more than 16%p.a interest rate its not appropiate...no proper business should come to such a situation..however think FS is the only platform who go up to 18%, I do not invest there anymore!! |
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Nov 20 2019, 11:34 AM
Show posts by this member only | IPv6 | Post
#2448
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Junior Member
804 posts Joined: May 2012 |
QUOTE(Liew2 @ Nov 20 2019, 11:29 AM) oh no..its not about risk, my risk investments are higher ..but also total lost , futures and margin trading..ha ha..but coming to SME financing I think asking more than 16%p.a interest rate its not appropiate...no proper business should come to such a situation.. I see, which platform are you putting your money in then?however think FS is the only platform who go up to 18%, I do not invest there anymore!! |
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Nov 20 2019, 11:53 AM
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Junior Member
85 posts Joined: Sep 2018 |
QUOTE(-CoupeFanatic- @ Nov 20 2019, 11:34 AM) I invest on all platforms in the beginning to test them, but now I only invest on Alixco P2P Financing https://www.alixco.com/, most of the notes there are short term, 2-6 months so my money not stuck so long, |
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Nov 20 2019, 11:56 AM
Show posts by this member only | IPv6 | Post
#2450
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All Stars
10,339 posts Joined: Jan 2003 |
QUOTE(Liew2 @ Nov 20 2019, 11:29 AM) oh no..its not about risk, my risk investments are higher ..but also total lost , futures and margin trading..ha ha..but coming to SME financing I think asking more than 16%p.a interest rate its not appropiate...no proper business should come to such a situation.. I suggest you to invest something with a lower risk. It's important to not make constant loss in investing. You need focus to make overall gain each year beating whatever benchmark you aim for.however think FS is the only platform who go up to 18%, I do not invest there anymore!! |
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Nov 20 2019, 12:03 PM
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#2451
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Junior Member
804 posts Joined: May 2012 |
still feel FS is the least risky compared to others.
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Nov 20 2019, 02:24 PM
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Junior Member
128 posts Joined: Jul 2007 |
my experience in P2P
fundaztic - diversify into 139 notes however the default notes is very high.... write off and default more than 15%.... 8 notes default & 18 notes write off... B2B finpal - initial is very good... however the system cannot control in exposure... therefore will cause heavy invest in 1 or 2 issuer.... this 2 issuer default and now is making more than 1k loss... FSMY - overall is good... diversify more than 100 notes... on going note is more than 100.... recently more notes defaults... even somemore already restructure but still default again after restructure.... now the profit is very tiny.... invest 9k in 1 year the return after default is only RM300... and more default expect coming soon Alixco - So far so good... recently they reduce the minimum investment to RM200.. it is a good move... so far all issuer prompt repayment.... |
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Nov 20 2019, 03:07 PM
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Junior Member
88 posts Joined: Sep 2008 |
I really think FZ is horrible. Although I've only tried FS and FZ. And FZ's CS team sucks in terms of their reply, information available on notes and features to help investors.
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Nov 21 2019, 11:45 AM
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Probation
1 posts Joined: Nov 2019 |
I'm new to p2p investment and got to hear about Fundaztic after SmartInvest Fest.. I heard about the Principal Protect feature. Does anyone know more information about Principal Protect ??
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Nov 21 2019, 02:21 PM
Show posts by this member only | IPv6 | Post
#2455
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Junior Member
96 posts Joined: Mar 2019 |
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Nov 21 2019, 05:24 PM
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All Stars
10,339 posts Joined: Jan 2003 |
Better yet, just stay away from p2p
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Nov 22 2019, 12:27 AM
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Junior Member
85 posts Joined: Sep 2018 |
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Nov 22 2019, 08:43 AM
Show posts by this member only | IPv6 | Post
#2458
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Junior Member
96 posts Joined: Mar 2019 |
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Nov 23 2019, 02:12 PM
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Newbie
5 posts Joined: Feb 2015 |
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Nov 23 2019, 04:38 PM
Show posts by this member only | IPv6 | Post
#2460
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Junior Member
263 posts Joined: Jan 2017 |
Those are really really high default rate. 9%! and on top of that, we need to pay tax for whatever earning we have from P2P
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