When considering P2P lending as part of overall investment strategy, what is general expected ROI and any tax benefit/ implications?

My lowest rate I invested in was 9.6% and highest was 16.20%.

I have just started Funding Society this month. So far, the ROI is about 13% p.a. After minus off the 18% commission given to FS, i get about 10% p.a.

The whole application process is easy and systematic. The livechat response is very fast and information provided is clear.

There is about 1-2 loans shared per day and factsheet about the loan is provided. I particularly like about the financial information given in there.

So far, most of the loan has a maximum invested amount of $50 (some loan is higher, depends).

When i don't invest my money for > 12%p.a., i will park the money there.

Nonetheless, there is still risk for default payment, take responsibility of that.

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