Getting Started with Peer to Peer Investing

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Getting Started with Peer to Peer Investing

1

What is peer to peer (or p2p) lending?

Peer to peer lending is the process of borrowing or lending money through an efficient online marketplace, as compared to the traditional route of a bank as an intermediary…

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2

How does peer to peer lending work?

To help best explain the process as an investor, it’s helpful to understand how borrowers interact with the marketplace as well. Below you’ll find perspectives for both parties…

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3

How do the marketplace lenders make money?

Peer to peer marketplaces typically make money in two ways…

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4

How is peer to peer more efficient than going through a bank?

Traditional banks incur many fixed costs associated with having brick and mortar locations, employees required to staff the locations, and less efficient processes to underwrite loans…

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5

How does peer to peer investing compare to investing in stocks, ETFs, or Mutual Funds?

We believe that any well-diversified investment portfolio should hold a good mix of equity investments, traditional bonds investments, as well as alternatives…

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6

How does peer to peer investing compare to investing in bonds?

Bond investments are similar to p2p in that they typically pay a fixed rate of interest at a specified interval and represent a debt obligation of the bond issuer (with p2p it’s the borrower)…

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7

How does peer to peer investing compare to an annuity?

While annuities can vary in their structure, at their core, they provide either a variable or fixed rate of return on invested capital at a future date and are offered by an insurance company…

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8

Why is p2p lending an attractive investment opportunity?

Peer-to-peer investing (also called “p2p” investing) is exploding in popularity because it is a win-win for both borrowers and investors…

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9

What tax implications are there for investing in p2p?

If your p2p investments are held in a taxable account, interest income is reported as ordinary income and charged-off loans are typically reported as short-term capital losses….

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10

How do I choose a suitable investment strategy?

NSR Invest is an investment manager for peer to peer lending. As a Registered Investment Adviser, we are proud to serve our clients on a fiduciary basis…

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11

What are the important things I need to consider before investing in peer to peer lending?

With p2p lending, you have the opportunity to invest small amounts of money into each loan…

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12

What are the risks of investing in peer to peer lending?

Like with any investment opportunity, there are risks involved, and p2p is no different…

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