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The Epidemic of Bad Ideas

By David Galland | The Passing Parade | January 20, 2017

This week’s missive tackles a big topic. One of the biggest.

That’s because it touches virtually every corner of society: politics, the economy, investments, social order, innovation. People live or die because of it.

The topic is education.

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The Key to Success in Investing in P2P Loans—with Useful Tools

By David Galland | Articles | January 16, 2017

Peer-to-peer lending is gaining a momentum among investors. P2P loans have less volatility, a low correlation, and yield much higher returns compared to other fixed-yield investments. Median risk adjusted returns average 7% on a 36-month loan.

The sector is also very easy to enter. An investor can set up a profile in less than a day and invest as little as $25 per loan. Once invested in a loan, investors usually start receiving payments within 30 days.

However, the unsecured nature of the market means investors must be well aware of its dos and don’ts. So I discussed marketplace lending (MPL), another term for P2P lending, with several industry experts and outlined a few key factors to success in this industry.

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Garret/Galland Research provides private investors and financial service professionals with original research on compelling investments uncovered by our team.

Using a disciplined process, finely tuned over long careers, our analysts uncover overlooked or underappreciated investments. Before any investment is recommended to clients, it must also first be analyzed using our proprietary CIQS quant model to dispassionately confirm the inherent value and the absence of significant downside risk. 

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