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Post by catalist on Apr 17, 2017 8:38:51 GMT
you can check out other European p2p sites like Bondora, Lendix, FellowFinance etc.
However, be careful with diversification here. Its not in how many platforms you put your money that matters, its more important to diversify between asset classes. If you put all your eggs in the basket of poor quality consumer lending based p2p platforms, during region wide financial distress, you will be in trouble. I would advise looking at more sites but at the same time screening for various asset clases (consumer, businesses, invoice, property etc.).
Catalist
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Post by catalist on Apr 13, 2017 7:36:48 GMT
(Sort of reminds me of press releases that announce the departure of a key executive who leaves a company to spend more time with his family. ) To meet the goal of offering more small business loans sounds bogus to me. There must be some core, undisclosed reason for FC getting out of property development. Are such loans not profitable? Are they too much hassle? Do they not fit-in with FCA approval? This of course can be the case. But I think it is more likely that as the industry gradually matures (at least in UK, although still far from maturity), platforms want to strengthen their positions in their core business segments. Funding Circle move to focus on SME lending is understandable as property lending (similar to consumer lending) is quite different segment. And property lending has never been a significant part of FC portfolio anyway. Catalist
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Post by catalist on Apr 13, 2017 7:31:55 GMT
Hi,
In majority of cases, the investor does not have to pay any fees (at least in traditional form).
The only deductable expenses from your investment or profit might be the applicable taxes and share of profit to the platform in case of distribution.
As regards to selling your 10GBP investment on secondary market, I do not think it is very practical. I.e., Seedrs and Crowdcube do not have organized secondary markets, thus selling your shares is an administrative burden for the platform. But in any case, I believe that equity crowdfunding is not yet at the stage when you have to calculate the IRR of your investment (there are not diversification possibilities anyway) and if you are risk averse, this one should be avoided. This is not a traditional, fully diversifiable investment and you should perceive equity crowdfunding as hoping to invest in the next ''Facebook'' and be lucky, rather than calculating your IRR on paper and deducting fees. Catalist
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Post by catalist on Apr 13, 2017 7:23:00 GMT
Just few days ago another P2P consumer platform opened up based in Latvia - DoFinance
They use the same model as Twino (pre-originated loans with lending divison in multiple CIS countries).
Catalist
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Post by catalist on Mar 24, 2017 8:55:37 GMT
It is very complicated to compile a list or decent analysis or failures, as platforms almost always take out the unsuccessful campaigns and tries to minimze negative publicity.
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Post by catalist on Mar 21, 2017 18:26:40 GMT
Hi all, We've created some really interesting guides on learn.off3r.com/category/investment-guide. Please check them out and send us any feedback. Equity Crowdfunding Guide - learn.off3r.com/should-you-invest-in-equity-crowdfunding/
We are keen to produce the most useful information for those investing and lending with alternative finance platforms, so feedback is very helpful for us moving forward. We want to know what people need to make their lives easier when investing - please get in touch! Cheers The OFF3R Team Hi, Thank you for the information. I guess the material is quite appropriate for people just starting with equity crowdfunding or has no clue what that even is. However, for people who have read at least 2 articles, there are no ''really interesting guides'' and there are tons of materials covering mostly the same as you guys did. Anyway, thanks for the effort.
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Post by catalist on Mar 21, 2017 18:07:46 GMT
I assume you know the studies by the University of Cambridge? You assume correct. However, I am more curious about user/investor level issues and experience, not so much related to industry level problems in general. Hope I interpreted the meaning of your comment correctly.
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General EUR P2x Discussion
BulkEstate
Mar 21, 2017 16:19:35 GMT
Post by catalist on Mar 21, 2017 16:19:35 GMT
Hi.
Can you please back up your argument with some source? Latvia is not China and the regulator is actively monitoring the situation.
Very unlikely that your statement is correct, taking into account that other foreign P2P real estate platforms are operating in Latvia as well (i.e. EstateGuru).
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Post by catalist on Mar 21, 2017 16:09:18 GMT
Thank you for the reply - point taken.
In essence, the paper will be published by a new name (marketplace) in European equity crowdfunding and P2B industry (the platform is not yet launched thus the name of the platform is not disclosed). The report is expected to be available free of charge.
Nevertheless, I would assume that such discussion might be of relevance in any case.
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Post by catalist on Mar 21, 2017 15:01:47 GMT
Hello,
My team is currently working on a quite extensive equity crowdfunding / p2b lending report 2016, in cooperation with several academics from leading European finance universities. One of the topics that we plan to address in the paper is the lack of information, data and analytical tools on equity crowdfunding and peer-to-business lending opportunities globally.
Would very appreciate if you could provide your thoughts on what data or analytical tools you would be willing to use or you see missing when i.e. considering your investment in this new form of investment.
Hope to have a constructive discussion.
Thank you,
Deklin
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Post by catalist on Mar 1, 2017 15:45:01 GMT
What do you think in general will happen to the traditional p2p model? As we have seen, both wholesale lending and sale of pre-originated loans by lending institutions as models have plenty of advantages (borrowers do not have to wait until the listed campaign is finished and lenders have access to a very well diversified portfolio).
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