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  1. #451
    Senior Member
    Join Date
    Sep 2015
    Location
    Norf Eyelynd
    Posts
    748

    Default

    4% Return for investing in Home Loans at this point in time - No Thanks - What if the house value drops by 15% and ONLY 100K in Reserve Fund!!


    5% Return on a Business Loan - NO Way - Investing in Business Loans at this time with only ONLY 100K in Reserve Fund!!


    6% - 7% in Personal Loans - Maybe - Have 500K in Reserve Fund ( best risk ) however better returns elsewhere in P2P



    SM.jpg


    SM RF.jpg

  2. #452
    Senior Member
    Join Date
    Sep 2015
    Location
    Norf Eyelynd
    Posts
    748

    Default

    Don't get me wrong.... SM is still the ONLY P2P Lender I have had NO Capital Losses with.... ( Thanks to their Persoanl Loan Reserve Fund )

    It's just their offerings have changed \ evolved over time ( where other P2P Lenders have not so much ) and what they now offer Investors is no longer attractive to myself....

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