P2P-online.com Reviews P2P Online, Another Risky Investment

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P2P-online.com Reviews: P2P Online, Another Risky Investment

P2P Online Review: Is p2ponline com a reliable investment? Read our review to see what experts have to say about P2P Online Investments.

P2POnline claims it can help you grow your money. Is P2P-online.com paying? You may have come across many systems on the internet promising you quick fortunes, the truth is that majority of them turn out to be scams.

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In this review we provide you information based on our investigations and user experiences to help guide you make the proper decision.

P2P Online Scam Review: Disturbing Things Found

Though this site might appear legit to a newbie, the truth is that it is just a wishy washy HYIP designed in such a way to convince unsuspecting investors. Most of this scam quick-profit investment schemes are HYIPs. What is a HYIP?

It is a just a type of ponzi scheme. Initial investors only get paid when new people sign up and invest, what this means is that you are under pressure to bring in new investors so that you will get paid. As soon as the amount of new investor drops, the owners do away with the money invested. Thus, the site is closed down since there is no longer enough money to pay initial investors. Those that benefit most times are the first investors. However, the system is not sustainable because it will surely shut down abruptly leaving your money trapped in the hands of the scammers that set it up initially.

Most of them provide a registration certificate and so-called evidence of payments. Don’t be deceived, anybody could get a sham address and certificate most especially from the Company House in UK which most of them use, for just £5. These companies claiming to be located in the UK or similar countries like the USA are not in actual sense located there.

Sometimes these platforms might pose as an investment platform, doubler platform or even a mining platform. Often times they might run an ads through the google ads academy or even get a youtube ads making them look legit. But the truth is that they do not have the equipment that make them what they claim to be. Rather what they do is circle the funds of investors, and when they have made a lot of unsuspecting investors trust them, they stop paying.

How To Know Investment Scam Formats in 2020

It is true that most of this high yield investment platforms look like the real deal, thus confusing us.However, there are various ways to find out if an investment platform is a lackluster HYIP or if it a trusted investment platform. Below are ways you could find out-

  • ROI- The returns offered. Are they sustainable? Can the funds be shuffled round and get to every investor? are the offers realizable?
  • History- Does the platform have a history? Can the company behind it be found online?
  • Transaparent– How transparent is the information on the website?
  • Contact– Can you reach them? Is the address made available on the platform?

P2P-online.com i s not a legitimate investment platform . Don’t be deceived by their promises.


Everyday we get complaints of people been scammed. Most people fall for these schemes because of the sweet promises of making huge profits within a short time. .On a serious note, legit systems exists but scams are very very numerous. So you need a guide to help you make a good decision. We have made it our duty, by exposing scams.

Our Recommendation

They are lots of online investment opportunities which could fetch you money and give you a good Return On Investment. We constantly search them out to guide our readers so they don’t fall for scams. Always feel free to interact with us in the comment section.

Is P2P Lending a Good Investment?

Modified date: July 24, 2020

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Table of Contents:

How P2P Investing Works

P2P platforms are called “peer to peer” because they bring regular people – peers – together to participate in two sides of the same transaction. While borrowers turn to P2P lending in order to apply for a loan, investors show up in order to secure higher than average returns on their investment capital.

Since there is generally no middle man involved in these transactions, fees are usually lower. Meanwhile, interest rates available to borrowers are often lower than rates offered by traditional banks as well. And to an even more extreme degree, the interest rates P2P investors earn on their money can be considerably higher than what they might earn by putting their money in a certificate of deposit or money market account.

For example, Lending Club’s advertised rates range from 6.95% all the way up to 35.89%. No matter who you bank with, this is dramatically higher than what you can get even on a long-term certificate of deposit.

This isn’t to say that banks are totally absent from the process. A P2P platform may use a bank as the servicing agent to administer each loan. But since the role of each bank is limited, the fees paid out to them only average around 1 percent per year.

If you choose to invest in a peer-to-peer lending platform, you will most likely invest in a series of “notes.” These notes represent small slivers of various loans, with some denominations as small as $25. Using this method, P2P lending sites allow you to spread a relatively small investment across many different loans. For example, a $10,000 investment can be spread across 400 notes of $25 each.

In order to become an investor on a P2P platform, you need to meet certain criteria. On some sites, you need to be an accredited investor, which means you must meet certain stiff income or net worth requirements. On others, you must meet your state requirements, which typically include earning a minimum income of $70,000 per year and/or having a minimum net worth of $250,000.

There are a growing number of P2P platforms that welcome investors. Three of the most popular include Lending Club, Prosper, and SoFi. All three are multibillion-dollar lending platforms, although each offers slightly different terms and requirements for investors.

In addition, some lenders in the P2P realm focus mainly on certain types of loans. For example, Lending Club and Prosper will make loans for just about any purpose, while SoFi favors student loan refinances and consolidations (although it offers personal loans as well). Other P2P lenders may focus on small business loans or almost any other niche you can imagine.

On most P2P platforms, loans are funded by both private individuals and institutional investors. Some P2P platforms will even allow you to a hold your investments in an individual retirement account (IRA). Meanwhile, it is possible to get double-digit returns on your money by investing in lower grade notes, which naturally carry a higher risk.

There is one very significant point to note before investing on any P2P platform – the loans that you are investing in are self-amortizing. That means that the value of your investment will gradually move towards zero as each payment is made.

Unlike CDs and bonds where you put up a fixed amount of money and collect your interest over the term of the security, P2P loans change in value over time. With P2P investments, you are investing in loans that are comprised of both principal and interest. In other words, you’ll earn most of your interest upfront, while receiving most of the principal back towards the end of the loan’s term.

For that reason, you must continually reinvest the payments that you receive into new notes. That will ensure that your money is fully invested, which will help you earn the rate of interest you expect.

Higher Rates of Return on Fixed Rate Investments

As noted earlier, you can easily earn double-digit interest rate returns on P2P investments – which is clearly the main attraction of P2P lending platforms. Generally, this is accomplished by including higher risk loans in your portfolio.

For example, Prosper grades it’s loans from “AA” (highest) to “HR” (lowest, or “higher risk”). AA loans pay an average of 5.48%, while HR loans pay an average of 10.78%. By investing primarily in HR loans, you can earn double-digit returns on your money.

…But With Higher Risk

There are four critical factors you need to understand when investing through P2P sites:

  1. P2P borrows can default, in which case you can lose money.
  2. The higher the rate of return on a loan, the greater the likelihood of default.
  3. There is no FDIC insurance coverage to protect your investment as would be the case if you held your money in a bank.
  4. The P2P site may require you to cover certain collection costs in the event that a loan goes into default.

Another factor to consider is that P2P platforms don’t underwrite loans according to strict bank standards. For example, SoFi will make a loan to a recent college graduate on the basis of a promise of employment, rather than an actual job.

If you are going to favor high risk/high return investments, you need to be aware of exactly what you are investing in. It is possible that because of loan default rates, your the higher returns could be cancelled out. It is also worth considering that P2P lending is a relatively recent phenomenon, and how the loans will perform in a recession is not entirely certain.

So Is P2P Investing a Good Idea?

Investing through a P2P platform can work well if you understand the risks you are taking. With that being said, the approach is to use P2P investments to supplement the fixed income portion of your investment portfolio.
Let’s say you are holding 30% of your portfolio in interest-bearing investments of varying maturities and earning around 3%. By investing 20% of your fixed income allocation in P2P loans that earn an average of 6%, you can increase the overall rate of return on your fixed income allocation from 3% to 3.6%.

Meanwhile, you should probably steer clear of investing all of your fixed income allocation into P2P loans. By doing so, you may be taking on an excessive level of risk. Lending Club recognizes this fact, and recommends that you limit your investment in their notes to not more than 10% of your net worth. That’s good advice.

Getting the Most Out of P2P Investing – For the Lowest Risk

Some strategies can help you reduce the risks involved in peer-to-peer investing. Here are some to consider:

  • Diversify your holdings across many different notes, so that a default on any one of them will not be a disaster
  • Favor loans with higher credit scores
  • Favor loans with lower debt-to-income (DTI) ratios
  • Favor debt consolidation loans over purchase money loans (loans that lower a borrower’s monthly payment are less risky than those that increase it)
  • Favor loans where the borrower has greater employment stability

If you’re aware of the risks involved in P2P investing – and you know how to at least partially mitigate them – then P2P investments can be a welcome addition to your portfolio.

Do you invest in P2P loans? What has your experience been?

Article comments

After lending several thousand dollars through the P2P site Prosper, I found that they have no way to declare a co-owner or beneficiary for my account. If I predecease my wife, Prosper will still merrily credit interest to my account and send 1099s to my (now inactive) Social Security number. My wife will have to file otherwise unnecessary tax returns for my estate, which will probably involve paying a CPA and possibly probate court to set up and administer.

Unless you have no inheritors or plan not die, you may want to add “can’t declare a beneficiary” to the risks involved with at least some P2P lenders.

This type of investment is not open to everyone. For example I live in Ohio. I had to search the fine print, but I did eventually find it on both Prosper and Lending Club. As a resident of Ohio I cannot invest directly with either.

I was an early Prosper lender. After five years I made zero profit. Considering TVM, it was a loser. It was an experiment I will never return to.

I have used Lending Club. Until recently, because I lived in Arizona, I could not fund new loans — I could only buy notes that were being sold on trading system. It was a real pain to look through all the notes and decide which to buy… think about investing $5,000 where you have to research each $20 increment you invest. Super time consuming. Then, if you want to sell notes, you have to think about how to price each one. I don’t think I lost money but I didn’t make much, especially for the work involved. I think you can now fund new loans being as an AZ resident (most other states already allow this I think). This makes it a little easier because you can just let lending club pick a basket of notes from various loans of different grades based on a risk level you select. However, you may still find you want to sell notes when people start missing payments. And you will have to buy new notes every so often or your account will just slowly turn to all cash, and Lending Club does not pay interest on money in your cash account. Also, if you want to “cash out” and invest in something else, you will have to sell all of your notes on the open market.. that can take some time and you may lose money if you have to sell your notes for less than face value… and you have to pay a 1% sellers fee. I decided it’s not worth the time to maybe make a couple of extra percent… Though I did not lose money, it is possible to do so. I had many notes that went bad…. It’s a part of the business.

Peer to peer investing is very tax inefficient. Interest earned is fully taxiable. Losses are capital losses and unless you have offsetting capital gains are limited to a $3,000 deduction.

How to Invest in Peer-to-Peer Lending: Top 7 P2P Lending Sites in the Philippines

Learn how to earn as much as 10-15% from your investments through P2P lending. We’ve also listed the top P2P lending sites in the Philippines.

October 25, 2020 By Amiel Pineda

Last Updated on – Oct 25, 2020 @ 2:01 pm

Have a few thousand pesos sitting around, doing nothing?

Looking for a better rate of return for your money?

You’re in luck—in this comprehensive guide, we’ll show you what P2P Lending is and how it can earn you a significantly better ROI compared to other investment vehicles.

What is P2P lending?

Peer-to-peer lending or P2P pools money from its members/investors and lends them to borrowers.

Unlike a traditional bank format wherein the bank is the exclusive source of funds for the borrower, P2P lends money chipped in from a group of investors.

There’s also the option to fund the whole loan by yourself, if you want (investor).

How does P2P Lending work?

In a nutshell, it’s essentially your typical “Paluwagan” with a few modifications. However, instead of simply taking turns in getting lump sums of accumulated cash from participants, you earn from it via interest gained by the money you lend.

P2P lending classifies participants into 2 groups: Lenders and borrowers.

Lenders : Investors. They fund the capital needed by the borrower. The money is then pooled or combined in order to accommodate varying amounts of capital to be borrowed.

Borrower : Borrows money from investors/lenders.

It’s similar to how a mutual fund works . P2P allows you to be an investor even if you don’t have a lot of money to invest with. But instead of pooling your money with others in order to buy stock, P2P combines it with money from other investors then lends it to borrowers.

P2P differentiates itself from Mutual Funds, however, by having the option of funding the whole loan by yourself (investor). You also get to pick investments on your own.

Furthermore, gains are not based on the performance of your investment in the stock market. You earn via interest paid by the borrower.

Why invest through a P2P Lending platform?

Better rates of return for your money

The average interest rate for a typical bank savings account is 0.25% per annum.

If you had Php100,000 invested , in a year your ROI (return on investment) is 250 pesos. Just enough to buy you an Amazing Aloha burger meal from Jollibee.

Hey, I like that burger, but as an investor looking to earn decent ROI, the bank is definitely not the place for me.

Compare that measly return with an average return rate of 10-15% from P2P (for FundKo, for example) platforms, you’re looking at a Php10,000 ROI in a year assuming a 10% return via interest.

That’s a hell lot of Amazing Aloha burgers! Clearly, all rates are not guaranteed but I know you get my point.

The option to diversify your investments reduces risk

With P2P platforms, you can spread out your investment across multiple loans.

What will this accomplish?

A diversified portfolio makes use of the law of averages—so even if one or more of your investments give a negative ROI, your other winning picks can “even out” your returns overall.

Potential passive income stream

With a regular savings or even MF account, you’re money is essentially tied (if you’re starting out).

Why? Because you have to let it sit there in order to accumulate any significant returns.

Especially if you don’t have that big of a capital to begin with. P2P lending platforms have the option to give you a monthly payout from your investments.

Sure, MFs can do that too but then again, P2P presents a faster opportunity to set a passive income source due to the higher ROI (per current P2P lending averages).

Low barrier entry investment option

How much do you need to start investing?

For as little as Php5,000 , you can start funding loans from borrowers then start building up on your investment as your ROI grows (when you reinvest the earnings).

Compared to stocks, this feature makes it more enticing to first-time investors looking to test the waters.

Tends to be “faster” in reaching significant gains versus MF or banks

As mentioned earlier, the ROI advertised on these P2P platforms allows you to build up your earnings and assets faster (as of this writing, at least) compared to Mutual funds or regular savings account.

Even the current rates of the best personal savings accounts offered by banks right now seem to be no match in terms of yearly ROI from P2P (based on averages posted on P2P sites).

Pros and Cons of P2P Investments

Pros Cons
Potential for better returns The possibility of borrowers defaulting is still present
Allows you to diversify your investments Interest is taxable (if not done automatically by the P2P platform, it is the responsibility of the lender)
You get to pick which loans you want to fund Your capital may not be invested at all times (see tips below for advice)
Ability to access your money at quickly
Requires little money to start with
Process if setting up an account is easy
Monthly gains can be a form of passive income

Top P2P Lending platforms, companies, and websites in the Philippines:

1. FundKo

This company is a subsidiary of GIDC and acts as a crowdlending platform connecting willing lenders and verified borrowers with each other. Using FundKo, you can start investing for as little as Php15,000.

2. Blend PH

Blend PH is an online peer-to-peer funding platform that is managed by Inclusive Financial Technology, Inc.

The platform offers several loan products (including salary, seafarer, and franchise loans), in which investors/lenders can invest as low as P5,000 – and earn through interest income (ranging from 6% – 30% per annum).

3. UpLoan

This online P2P platform prides itself in being able to provide funding to borrowers within 24 hours.

It’s important to note, however, that this is primarily aimed at employers, if you’re looking from an investment standpoint. UpLoan essentially serves your means to offer salary loans to your current employees.

4. MoneyMatch

This company is owned and operated by Fintech Global Resources Inc. Their goal is to “create a secure and transparent marketplace for people in need of financial services, and people who are looking to invest.”

5. Vidalia

With Vidalia, you can start investing with as little as Php5,000. Per their site, they currently have 500 investors in their roster who fund loans from 16,000 registered borrowers. Their total invested assets sits currently at Php200million.

6. BitBond

The company is based in Berlin, Germany and presents an option for Pinoy investors looking to move beyond the local P2P opportunities.

BitBond uses Blockchain technology to implement their payment and credit scoring. Their target market are small business loans.

7. Acudeen

Providing liquidity for your account receivables—that’s what Acudeen offers to members who sell “invoices” in their platform.

The unique thing about their platform is that it’s focused on helping SMEs maintain cash flow for running their business. As an investor, you can purchase invoices sold by SMEs which in turn can yield better rates than your typical bank savings account.

8. Lend PH

The site looks similar to job posting boards where you post your needs (if you’re a borrower) and then wait for a lender to fund your loan. The site does not look very stringent though in terms of verification of its borrowers and lenders.

Bonus: Kiva.org

The PH-section of this non-profit organization’s page shows loan requests from fellow Pinoys mostly needing funding for their businesses.

With as little as $25, you can help fund a fellow Filipino’s capital so they can operate their business (and climb out of poverty).

Note: The platform’s mission is to help change lives by making 0% interest rate loans available to its borrowers. So this is not necessarily an investment.

Tips to Succeed in P2P Lending Investing

1. Do your due diligence

As with any form of money-making investment, it all starts with knowing what you’ll be getting into. Keep in mind, this is not a get-rich scheme.

At the very least, read about how the whole system works (since you’re reading this, you’re off to a good start), compare lending sites, factor in all personal preferences (site’s user interface, ease-of-transaction, etc.,).

If you can, seek help from other experienced investors through groups or meets.

While not everything or everyone will be helpful, it may give you better insight on how to approach investing in P2Ps.

2. Start small

One of the main reasons why P2P looks appealing to investors is the low entry point requirement.

Imagine, even if you only have 5 or 10k in cash, you can start investing and have decent rates of return for your money.

The added benefit of being able to help others makes it even better.

3. Know thyself—how much risk can you tolerate?

“The greater the risk, the greater the reward” as the popular quote says.

But it really varies from one investor to another, so just because you’re friend thinks a particular loan will yield terrific results means you should follow suit.

Don’t listen blindly to advice, especially when there’s money involved.

As yourself, “what’s my risk tolerance?” “Am I more of a conservative type, risky, or something in between (moderate)?

Doing so will help you set the tone for your investing principle and keep you within your operating methods.

It helps avoid spur of the moment decisions which may lead to a loss.

4. Diversification is key

Betting all your funds on just one or a few loans may yield better returns—but it also heightens the risk of netting a loss.

The reason why mutual funds are popular (aside from the low entry point) is because your money is invested across several investment choices/vehicles with the goal of mitigating or lessening the risk.

Unless you’re a very risky-type of investor, diversification should definitely be considered as an investing philosophy.

5. Earn then reinvest

Any true successful business person will tell you that part of their success can be accounted to their ability to fight the desire to “cash in” immediately on their earnings.

Amazon founder and CEO Jeff Bezos, for example, is known for his stringent nature in spending their earnings.

This allowed him to reinvest the money back into growing Amazon into the global ecommerce behemoth that it is today.

From an investing standpoint, perhaps you can reinvest the money first until you reach a certain amount where the earnings can serve as a form of passive income source.

Otherwise, it will rob you of the potential to really rake in significant returns brought about by a larger asset pool.

6. Make sure you don’t have funds lying around (uninvested)

You should make it a habit to regularly check potential deals or loans that aligns with your investment philosophy.

This will help keep your capital “active” and not sitting around on your e-wallet doing nothing.

Money not being invested results to “opportunity lost” that could have otherwise been invested and resulted to a gain.

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