Why should you consider Investing in P2P with LenDenClub

Aug 9, 2022

You can find multiple investment opportunities in the market. It can be a tricky task for investors to find the best option for them. Many factors should be considered before investing your hard-earned money. This blog tells you why you should invest and why LenDenClub’s P2P lending plan can be a suitable investment option for you.

Why Should You Invest?

Investment Helps You in Achieving Your Goals

You require money to improve your lifestyle, provide quality education to your children, travel around the world, or pursue your calling. Investing gives you that additional income, which will take you closer to your goals faster. Imagine you are planning to purchase a house by taking a bank loan. But, is the house completely yours till you pay that last EMI? By investing, your passive additional income can help you repay the loan faster. If your investments are large enough, you can purchase another house, without requiring a loan.

Prevents Your Money From Losing Value to Inflation

We all get to hear about the importance of saving money from our parents. Spending all our earnings usually gets an earful from them. But, mere saving of money is not sufficient. We need to invest it to avoid losing it to inflation. Say, for instance, a kg of apples is priced at ₹100 this year. If their price experiences inflation of 7% annually, their price will be ₹107 next year. You will need an extra seven rupees to buy the same quantity of apples next year.

 Grow Your Wealth

We all want to become rich. Why? Wealth gives you freedom. It gives you control over your time. You can work whenever you want to and wherever you want to. Even a small amount of money, if invested in a disciplined manner and held for a sufficiently long period in a safe investment opportunity, can do wonders to your wealth.

Secure Your Future

The world keeps changing constantly and it is tough to predict what the future holds. The last two years have given us enough reasons to believe the same. Any major calamity, pandemic, or war in the world has a direct adverse impact on the economy. Your income and purchasing power get affected. In such scenarios, the money you invested becomes your cushion and protects you from going into debt. You also don’t have to change your lifestyle much if you have enough money in investments, which keeps working for you.

Peaceful Retirement

Retirement is when you relax and enjoy the rest of your life. Even if you work, you wouldn’t have the stress of working solely for money. Your work should be something that you do for keeping yourself busy and having fun. To ensure that, you should have enough money with you for all the expenses that you incur during the rest of your life. The passive income that you earn from your investments can not only make your retirement safe but also enable you to retire early.

Why Invest with LenDenClub

Now that you have enough reasons to invest, the next question is about where to invest. It’s always a trade-off between risk and rewards in investment. You would want to maximise your returns while minimising your risk. Also, every investment requires a lot of research, thinking, and homework. You won’t always be able to give enough time required for this work.

LenDenClub offers a Fixed-Maturity Peer-to-Peer Plan (FMPP), with several features that make your investment a low-risk, high-return endeavour. It is also simple and convenient to register and invest.

You Can Start Investing with Small Amounts

Growing inflation forces you to spend more money on your non-negotiable needs like food and housing. This leaves you with less money to invest. Also, the pandemic has caused pay cuts and delays in increments for many. With LenDenClub’s FMPP investment plan, you can start investing with an amount as small as ₹10,000.

Multiple Maturity Periods to Choose From

In LenDenClub’s FMPP, you can choose any maturity period from one to five years according to your need. If you want more liquidity, you can withdraw your investment after one year, along with the interest. If you need a higher return, you can remain invested for five years.

High Returns

With the platform, FMPP plan you can earn returns of up to 10 to 12% per annum*

It’s Simple to Register and Start Investing

It’s easy to start your investment journey with LenDenClub. You need to be aged 18 years or above. You must have a bank account, PAN card, and an Aadhaar card if you are an Indian citizen. You have to just follow three simple steps:

  1. Register yourself and complete your KYC.
  2. Choose your investment tenure.
  3. Add your investment amount and activate your FMPP plan.

The plan offers high returns and is very simple and convenient. But, how does it manage risk? It does so with the help of technology.

Risk Mitigation by Artificial Intelligence and Machine Learning

We all know that we can never avoid risk. It is inevitable. But FMPP minimises your risk by hyper-diversifying your investment. It makes sure that all your eggs don’t go into the same basket. The AI-mechanism of the platform divides your money into small amounts, some as small as ₹1, and invests it in separate loans. Your risk is spread over a large number of loans, minimising your risk. Also, you share your risk on a particular loan with other lenders. The platform’s technology also ensures that your money goes to only loans, which have passed its 200 data point evaluation. As a result, the platform has been able to limit its risk of default to 4%.

Conclusion

Investing a part of earnings plays a major role in mitigating stress in your life. LenDenClub’s FMPP plan offers an attractive investment opportunity for all kinds of investors, from beginners to experienced investors and low-income individuals to high-income individuals. You can start your journey with LenDenClub immediately.

*P2P investment is subject to risks. And investment decisions taken by a lender on the basis of this information are at the discretion of the lender, and LenDenClub does not guarantee that the loan amount will be recovered from the borrower.

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