Just my thoughts:
There is a little * there that needs to be read and understood. 19.77% with reinvestment (i.e. compounding), very easily achievable over 5 years with Harmoney. I expect to exceed that by a significant amount.
There is no guarantee that shares will recover. Until you sell them they have no guaranteed value. With Harmoney you will loose some of your capital in a down-turn, unlikely to be all of it - review the interest rates of the higher risk loans that are the ones that are likely to default, you have to balance that risk vs the reward to achieve an overall 'good' result. Choose wisely, you make a good return, choose poorly you don't. (Very similar to shares - past returns are no guarantee of future ruturns.)
Now that I'm not adding funds, I'm not finding it time consuming at all - but compared to the managed funds (that someone is paid to manage), yes there is some time investment to consider.