Read – Think – Invest

In my long quest (active investor for the past 25 years) for prosperity, I have lost and made money quite a few times. I am here to share my personal experience and opinion about investment tools I have tried and used or keep on using for my investments.

  • Have I found the best formula on investing ? No
  • Have I found the way to make a fortune ? No
  • Have I got a secret recipe of success to share ? I wish I did, but No
  • Do I promise you that by reading me you can make money ? No
  • Will I share with you what I am doing ? Yes

Why should anyone bother to read these lines ? Well..,

There is no such thing as a “golden goose” that you ‘ll place your money and it will generate you gold. Who ever promises you that..run away. Always be on top of your investments, monitor where your money go and if something starts feeling not right..most probably its not; stop it, revalue your choices and reshuffel your investment mix.

Noone cares about your money more than you do.

Search, read, think, test and then decide.

The most important lesson I have learnt thus far is that one should diversify one’s investments as widely as possible. One should invest in a variaty of asset classes and in those asset classes, one should diversify vertically as well; don’t invest a great bulk of your money in just one asset class, no matter how promissing that may appear to be.

I am here to share my two-penny worth of wisdom hoping that this could save you some time and most importantly money; I am constantly searching for new ways to invest, trade, earn a passive income and improve, as long as I am doing it for myself why not share it, find people alike and exchange ideas and thoughts.

I hope you will enjoy my blog and if you find it of any use, kindly drop a like or a comment or share it to those you think might be interested to read.

Thank you for your time.


Someone’s sitting in the shade today because someone planted a tree a long time ago — Warren Buffett

How much returns should you expect in P2P Lending ?

Most p2p lending platforms offer a great variety of loans with rates ranging from 7% up to 35%. That doesn’t mean you wil earn as much.

Since risk-reward defines how much you will earn from p2p lending its all up to your risk appetite surely.

However, since this is still a fairly new type of investment I would advice on a more conservative approach.Number 1 rule I follow, and I am quite strict about this one cause thats the only way to safeguard my investmetns, is diversification

You can shortlist a number of p2p lending platforms and on those selected you could diversify by type of loans, currency and country exposure and all this can be done by investing the minimum amount required per loan.

In p2p lending currently I invest around 20% of my total investments, I begun about a year ago with only 5% but the results have been steady, hassle-free and good, so I have raised my exposure to 20%. I have been earning around 9.5% net per year. I do not use only 1 p2p lending platform and my total exposure is currently spread into 5 different platforms; 2 of which offer loans backed with buyback guarantees.

The reason I have allocated only 20% in p2p lending is because its a fairly new type of investment, most p2p platforms offer high rates but on unsecured loans, thus the default risk is always there.

What are the main risks involved in P2P Lending?

Some of the cons about p2p lending:

  1. New type of investment; most investors are skeptical tapping the market, they only try minimum amounts – testing the waters
  2. Most p2p lending platforms offer unsecured loans, risk of default
  3. Limited information about the loans offered
  4. Each p2p lending platform has its own rating system on the loans offered, hard to have a benchmark for reference
  5. Risk of platform default

Number 1 rule I follow, and I am quite strict about this one cause thats the only way to safeguard my investmetns, is diversification.

In p2p lending currently I invest around 20% of my total investments, I begun about a year ago with only 5% but the results have been steady, hassle-free and good, so I have raised my exposure to 20%. I have been earning around 9.5% net per year. I do not use only 1 p2p lending platform and my total exposure is currently spread into 5 different platforms; 2 of which offer loans backed with buyback guarantees.

The reason I have allocated only 20% in p2p lending is because its a fairly new type of investment, most p2p platforms offer high rates but on unsecured loans, thus the default risk is always there.