hello! Yes i think it is ok. p2p lending is run by experienced team who will screen all the loans before they take them in and open the loans to public investors. im not in the p2p business but i think this is the process: 1) loan application by SME from P2P 2) P2P platform screens, does audit of the SME's business and determines risk and suitability + loan quantum 3) If business is sound, P2P approves the loan, if it is a bad business, P2P platform wont approve 4) Once loan approved, P2P platform publishes the loan and avails it for investment by public investor 5) public investor can take a look at the summary of the SME, the risk assessment and decides if he wants to invest in the SME's loan. So you can choose which business loan you want to back. And you can choose the amount. It is also in P2P platform's interest to ensure that the default rate is very low so that investors will continue to invest, because a bad apple will really break investor's confidence in the P2P platform. Funding society's default rate is <2% overall so is actually not that bad. For me, ive been on Funding society for almost 1 year now, no defaults so far. Returns should be around 7-9% after deducting the fees by funding societies. Overall experience is not bad, would personally recommend it for investors with medium to high risk profile. :)

Hi there, sorry for our delayed response as this question just came to our notice. Our response time on live chat and email is usually prompt. Firstly, thank you for investing with us! As a crowdfunding platform, we set a max deployable amount for most notes so that more investors have a chance to invest. We’re aware that this means it may not be possible for you to always deploy all the funds left in your account. However, you may want to consider the Property-backed Secured Investment (PSI) and Guaranteed Property-backed Investment (GPI) products which do not have a cap on the investment amount per investor. These could be a potential venue to deploy more of your funds. We’ll be happy to take any further queries you may have, please feel free to reach out to us via live chat at https://fundingsocieties.com/ or email at [email protected] (mailto:[email protected]) .

Consequence would be losing your investment capital. There are secured loans if you want lower risk investment.

Compare the correlation of each other using beta. plot against interest rate axis

Mostly the fact sheets are quite comprehensive. Avoid mutual funds anyway. Sometimes in the charts of the fund/ETF you cannot find a graph of the defined benchmark for direct comparison. The most important criteria relevant to buying decisions/selection are: -Area under Management (should be very high) -Total Expense Ration (should be as low as possible) -for ETFs: replication method (should be physical or sampling, NOT: synthetic) -5 and particularly 10 year (= long term) performance, importantly with simultaneous mentioning of the benchmark index for direct comparison -domicile (important b/o Taxes, f.ex. USA versus Ireland)

It depends on the platform. I have been with Funding Societies and default rate is about 1 to 3 per cent. Note that its higher with Moolahsense. One telling sign is that loans from moolahsense come with a higher interest rate. This is to compensate for the riskier loans on the platform.

Through personal experience that money is locked up until a debt collector employed by the P2P company (or they themselves) can retrieve it. Unlike larger bankruptcies where bond holders can expect some money back (be it cents on the dollar), in the case of P2P lending chances are quite a bit slimmer I would say.

I will just comment from what I know. I have just experienced my second defaults and have yet to retrieved them. There is no priority or anything for funding societies in case of defaults.. The money will be returned to those who participated the legal cases, followed by non participant. For p2p, I would refer to type of loans rather than classes of loan. Most are business loan or invoice financing or property - backed loan For minterest, have 'insurance-linked' loans For funding society, there is capital guarantee loan

Hello! I’m Jin Wen from CoAssets Pte Ltd (“CoAssets”) and would love to give my two cents :) What's the purpose of due diligence? The main risk that comes with P2P lending is the default risk which is defined as the risk of the Investor- Opportunity Provider (“OP”) defaulting on repayments in full or in part. Default risks cannot be eliminated. However, CoAssets performs comprehensive due diligence on borrowers. The purpose of due diligence is to uncover risks (including default risk) and disclose such risks to potential investors. This is to ensure that the investors are equipped with information to make a decision. Risk Assessments performed on OP Just to share with you, CoAssets conducts risk assessment on potential OPs. Risk assessment is not to eliminate risk, but to evaluate and manage risks to ensure that the relevant materials and disclosures can be made to investors to a reasonable extent. Here are the 3 factors that CoAssets uses to assess a deal: 1. Financial Performance Analysis and Macro & Micro Economic Analysis 2. Operational and Compliance Due Diligence a. Anti-money laundering and terrorist financing checks b. Adverse news checks c. Litigation checks 3. Continuous Risk Monitoring & Review Even after the online funding project is successfully funded and disbursed, we may continuously monitor risk factors that are material to the project. CoAssets Pte. Ltd. may collect ongoing financial records or other business documents to evaluate the performance and check if the project is progressing as per proposed by Opportunity Provider (“OP”). Conclusion Overall, it is advisable Investors must do their own due diligence to determine if the products match their investment objectives and risk appetite. If you like to find out more on what risk analysis model P2P platforms like us use to evaluate projects listed on the platform, CoAssets team is hosting an educational seminars on the 5th of December, Thursday, 7pm-9pm, at CoAssets office (OUE Downtown 1). For ease of reference, register your interest here: s.coassets.com/SxX I hope this helps!

Everything is possible. How detailed you want is very questionable. I would not want to read a 100 pages fact sheet just like reading annual reports in listed companies. As long as the fact sheet is enough for me to understand if the borrowers have the ability and willingness to return the loans. Also, if you want a very detailed factsheet, the fees will also be compromised. Transparency of the fact sheet of the P2P borrowers has been yearned by the the investors. There needs to be a compromise. If the P2P borrowers are not willing to make known of their companies to the investors, little can we do. I believe that Kenneth, funding societies, in seedlyTV EP07 has mentioned a unfortunate cases of a borrower wanting to pull out a borrower stories/video. The borrower's cilent is not willing to work with him because the funds outsourced are not from banks, and thereby illegal debt. Thus, I would like question if all debts are bad? And if we, a legal citizens in Singapore put in "dirty money"? The negative stigma of debt may bring more opportunity cost for business than borrowing. Left with no choice, they would want the p2p platforms not to disclose their infomation. Back to your question, I would still say yes. However, it is not possible if the borrowers wants to protect their identity, Hereby, I would appeal to the borrowers benefited by the P2P platforms and the communities to give a testimony how you have gained from these fintech platforms.