I think, in a balanced portfolio it fills a risky place. I think there is probably more thought that goes into the decision to invest in a P2P than would go with the decision to invest in a Big Bank term deposit or even perhaps even in a company bond issue. Maybe there is thought that goes into deciding which P2P and from thereon reliance is placed on the P2P company's assesment of grade of loan. (Just as you rely on the Big Bank's assessment on how they deploy the funds provided by your term deposit).
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