Esse produto é ideal para investidores agressivos que buscam altos retornos e estão dispostos a aceitar a volatilidade do mercado e têm objetivos de ganho de longo prazo
It is easy to use and convenient even for beginners since no fees are charged and investors are accepted shortly after vetting;
”. Embora distantes semanticamente, os dois substantivos caem como uma luva para denominar esse tipo de ativo.
Diversification is a way of managing overall risk by investing in a variety of investment tools. Let’s say we invest 30% of our portfolio funds in real estate, 20% into corporate stocks and bonds, 10% each to gold, art treasures, foreign currencies, cryptocurrencies and loans.
Alta volatilidade: o preço dos ativos high yield oscilam mais intensamente que outros ativos de renda fixa. Essa volatilidade pode gerar ansiedade e levar investidores conservadores ou iniciantes a tomar decisões impulsivas;
Peer-to-peer lending (often called P2P lending) is a type of financing where individual investors lend money directly to other individuals or businesses without the need for a traditional bank. P2P lending platforms act as intermediaries, connecting borrowers seeking funds with investors looking to earn returns on their capital.
For those interested in how to invest in P2P lending, getting started is straightforward with the right approach. Whether you’re new to investing or looking to diversify, following these steps can help ensure you make informed decisions that align with your financial goals.
Mintos also simplifies the investment journey with automated tools, making it straightforward for beginners and seasoned investors alike to find the right opportunities. Mintos also offers investment tools that streamline the process, making it easy for beginners and experienced investors alike to find opportunities that suit their strategies.
Every opportunity is analyzed through the underwriting process to guarantee a fair and stable interest rate based on the risk and return profile of a specific loan.
The Evolution of Peer-to-Peer Lending P2P lending, in its present form, dates back to 2005. Early on, it primarily provided access to credit for people spurned by conventional financial institutions and for students who wanted to consolidate their loan debts at a more favorable interest rate.
Diversifying loans over time. Too often, newbie investors want to invest a whole amount they have dedicated as quickly as possible to maximize their profits in the short-term. However, it’s important to understand that borrowers’ solvency is often dependent on the overall economy so there may be more insolvent customers when lending during specific periods of time.
When investing in loans, you also need to have a clear investment plan also known as an investment strategy. You should make your decisions based on your investment plan, that will protect you from over-investing and will help p2p lending to keep your overall portfolio diversified.
Unregulated P2P platforms that do not have financial institution status and/or license. This means that some P2P platforms out there are not supervised by any governmental authority and can end up using your deposits to make additional profits for themselves.
There are some qualifications that one must meet before they start profiting from their investment in a P2P platform. The type of lending is verified among the users resulting in the current changes.