Swedish P2P lending provider SaveLend, part of the stock-market listed SaveLend Group AB, has now received a 4thWay PLUS Rating, after an extensive assessment of its detailed loan data. Lenders have been earning 8% to 9% after bad debts and fees over the past two…
Lande* is the first P2P lending company in either the eurozone or continental Europe to earn a 4thWay PLUS Rating, as well as being the first to earn the very top rating. What does Lande do? Lande’s borrowers are Latvian businesses – mostly farmers –…
What does LEND do? LEND* offers loans to borrowers in Switzerland usually fixed for one year to six years. It mostly does unsecured personal loans and business loans, repaid monthly, and some real-property loans for a variety of purposes that are repaid at the end….
I’m going to explain some more details about Klear’s 2/3 Hidden Gem 4thWay PLUS Rating and its 4thWay Risk Score, but also take the opportunity to cover some other important aspects that came up in my team’s investigations. What does Klear do? Klear* offers personal…
The main peer-to-peer lending risks are: Yourself (psychological risk). Not enough diversification (concentration risk). Losing money due to bad debts (credit risk). Losing money due to a P2P lending provider going bust (platform risk). Losing money due to fraud or negligence. Selling into a loss…
Even over longer periods of time, – and perhaps not even that. over all time periods. How good are bonds? On average, bonds are “a bit naff”, according to the fantastic Credit Suisse Global Investment Returns Yearbooks. OK, the Credit Suisse funded research doesn’t actually use…
This article is about how much you should split between savings accounts and peer-to-peer lending, and also shares if you want more diversification further up the risk scale. I also discuss the money you might put into buying your own home. Those are what we…
Most peer-to-peer lending sits in the sweet spot with potential rewards considerably above savings accounts and yet risks below the stock market. And its incredibly steady record since 2005 certainly supports that. But where exactly does peer-to-peer lending sit compared to bonds? Peer-to-peer lending has…
P2P lending often pays better than bonds and there are several reasons for this: Illiquidity – you might not be able to sell up early Most people invest in bonds through bond funds, where they can sell their holdings in those fund right away, even…
We talk to 4thWay users a lot directly, and we get your emails and survey results from you. What we find is that lenders are making the same mistakes over and over again – and frankly it’s worrying us. While the P2P lending sites really…
In China, the number of websites offering lending platforms reached more than 2,000. For a long time, after that, 80 of them were being closed down every month due to peer-to-peer lending fraud or incompetence. Europe is far from China in more ways than one….
This was my first ever Candid Opinion piece for 4thWay, published originally on 25th November, 2014. I’ve just updated it very slightly – mostly as an excuse to get the editor to re-publish it for me and give it some more attention. This is a…
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