Peer-to-Peer Lending: Is P2P Lending a Good Passive Income Strategy?

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This video discusses Peer-2-Peer (P2P) lending as a passive income generation strategy. I have tried many forms of passive income ideas in the past including P2P lending. In this video, I want to discuss if generating passive income through P2P lending is worth it.

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✅ REFRENCES ✅

📚 12-month percentage change, Consumer Price Index, selected categories

📚 Best Peer-to-Peer Lending

📚 About net annualized return (NAR)

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#peerform #inflation #investing #Peer-to-Peer #fund #money

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✅ About this video ✅

P2P Lending is a relatively new approach to the borrowing-and-lending experience. P2P platforms are called “peer to peer” because they bring regular people – peers – together to participate in two sides of the same lending transaction. By cutting out traditional financial institutions like banks, borrowers may be able to access funds quickly, and investors might get a healthy return. As an investor, you become the bank for someone else who needs to borrow money.

Advantages/Disadvantages of P2P Lending

For investors, P2P lending generally provides higher returns to the investors relative to fixed rate investments that currently pay next to nothing. For borrowers, peer-to-peer lending provides a more accessible source of funding than conventional loans from financial institutions. Lastly, both investors and borrowers benefit because online platforms have made the entire process quick and easy plus they have removed the middle man, lowering origination fees.

Nevertheless, peer-to-peer lending comes with a few disadvantages. First, many borrowers who apply for P2P loans possess low credit ratings that do not allow them to obtain a conventional loan from a bank. Therefore, a lender should be aware of the default probability of their counter-party.
Second is that the government does not provide insurance or any form of protection to the lenders in case of the borrower’s default. Finally, the biggest disadvantage for lenders/investors is that competition between lenders/investors especially on larger platforms puts a downward pressure on interest rates you can charge from borrowers.

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✅ About this channel ✅

Hi everyone! My name is Hamed Dadgour and I am excited to see that you are interested in my content.

Financial Intelligence seeks to deliver best in class educational material in subjects related to personal finance, retirement, investing and financial freedom. Our main goal is to create engaging videos to communicate somehow complex financial matters in a simple to understand manner.

We advocate for long term investing strategies. Short-term trading strategies and get-rich-quick-schemes are dangerous trends that are taking the financial world by storm. Our goal to provide sound and level-headed recommendations.

This channel is particularly targeted towards individuals seeking a breadth of knowledge across a variety of financial disciplines. The range of topics I plan to discuss on this channel are value investing, financial freedom, mutual funds, index investing, monetary policies, inflation and other related economic topics.

Welcome to the channel and please subscribe!

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✅ Timestamps ✅

0:30 Intro
2:20 Advantages/disadvantages of P2P lending
4:00 Risk/return profile of P2P lending