Responsible content on personal finance & economics that makes you smarter about money.
Regulated P2P Lending v. Bonds? Factors retail investors must consider
The last two years have been a roller coaster ride for investors across the globe with varying degrees of ups and downs. At the very least, it has yet again reminded investors of a very crucial lesson, portfolio diversification. With a few years of perpetual positive returns from stocks and the...
The Perils of a Simple 60/40 Portfolio And why the standard stocks+bond portfolio has underperformed
Portfolio diversification can have different meanings for different individuals, based on their financial plans and goals. However, balance between growth and stability is almost certainly a feature of any diversified portfolio that most of us agree with. A 60/40 portfolio is one such no-brainer...
5 ways to Save & Invest when inflation is high
Inflation rates have been soaring across the globe, and you likely felt the pinch of rising expenses. High inflation is decreasing the value of cash sitting in our bank accounts. Consumer inflation is touching 8% and your personal inflation rate may be even higher. While...
Making Responsible, Values-Aligned Investments
As individuals, we are mindful of acting on our purpose and defining a positive legacy. As investors, it need not be different. Your investments can indeed make a big difference on the issues you care about. With greater access to investment options and information about them,...
Why Cash Flow is More Important Than Net Worth for Financial Freedom
Several digits are summed up to understand the financial status of an individual. These include the money/value of assets she owns and the money she makes. But not all digits should be relied on to measure her financial freedom. For instance, a person works towards good health that...
Investment trends and opportunities for NRIs
An NRI can simply be defined as an Indian citizen who has spent less than 183 days of a financial year in the country. NRIs are very much citizens of the country as per law. However, they do not pay tax here. NRIs form a strong community that contributes to India's growth, despite...
Are fixed deposits really a foolproof way to invest?
Are fixed deposits really a fool proof way to invest? Large banks' fixed deposits are among the safest investing options. For years, this has been the go-to financial investment for many Indian savers. Fixed deposits are regarded as the safest and most liquid investment available. Let us try to...
Productive, Predictable investing with IndiaP2P
IndiaP2P's investment products are designed with the dual purposes of earning stable earnings and tangible economic + social impact. Here are some of how your investment has helped move the world forward, for good. #Breakthebias Over 95% of your investment went towards...
A guide to understanding various rates of returns.
Why is it important to understand rates of return? When someone wants to invest their hard-earned money, they look at how the investment has done in the past, i.e. returns. In simple terms, retrurn means how much the investment has lost or gained in value over a certain time. If you arere new to...
Impact of rising interest rates on your investments
Inflation has risen across the globe to become a pain point for policymakers who grapple with rising prices and faltering economic growth. Things seemingly turned worrisome when the Reserve Bank of India (RBI) raised the repo rate by 40 basis points on May 4 and again on June 6. With the...
What is the tax rate on my investment? - June 2022
Many of us are unprepared for the tax payouts applicable to our investments and forget to factor them in. Here's a ready reckoner to help you estimate your 'post-tax returns' and compare investment options. Tax Rates on Your Investments Tax...
How does IndiaP2P offer such high returns with low risk?
How does IndiaP2P offer such high returns with low risk? IndiaP2P’s first-of-its-kind return-risk profile is the result of a unique yet large arbitrage opportunity that exists in the debt markets of emerging economies such as India. First, let’s recap how the...
Why is Lending Important for the Economy?
We've all heard the terms - debt, lending and credit at least at some point in time. The three terms are relatively similar and refer to a process in which people with excess capital, loan it out to those who are seeking it for consumption or growing their businesses. While people may have varied...
What are Asset Bubbles and how to avoid being in one.
You may have heard the term 'asset bubble' often, in the media, from acquaintances and more and we covered some of the major ones that have occurred in a previous blog post. So, what is the exact meaning of the term and why learning about it is important as an investor? An...
Asset Bubbles of past and what you must learn from them.
Recent upheaval in the equity and crypto markets has led to more than usual occurrences of the term 'asset bubble'. Here is a quick primer on asset bubbles of the past. After all, those who do not remember the past are doomed to repeat it! The Dutch Tulip Bubble - 1630s Arguably the...
4 Trends Retail Investors should not miss and, the impact of RBI's recent repo rate hike on your investments.
Here are some noteworthy retail investing trends and developments. 1. Climate & Sustainability Investments Alarming climate change data, consumer consciousness, and a combination of pressure + incentives from regulators have led to private and public investments in the growing and...
Investments that earn monthly income.
As an investor, you may be looking to deploy your funds in investments that earn recurring monthly income. Or, to put it simply, create a second, passive income source. Here are 7 options to consider: 1. IndiaP2P Monthly Income Plan Your investment under the IndiaP2P...
How to choose the right P2P lending investment product?
How to choose the right P2P lending investment product? Peer to Peer (P2P) lending means direct lending between two peers. A peer could be a business or an individual. Let us first understand lending or credit. Lending is giving a loan/debt/credit to another party that this party promises to...
Emerging investment options for retail investors in India
Emerging investment options for retail investors in India While historically, Indians have preferred investing in physical assets such as real estate and gold along with FDs, things are changing. With macroeconomic and technological changes, we are now increasingly invested in equities,...
How do Indians Invest
Benjamin Graham has a very famous quote- “Successful investing is about managing risk not avoiding it". India has a unique investment ecosystem. On one hand, India has one of the fastest emerging affluent middle classes in the world and on the other hand, we have one of the lowest...
Do you know which is the best source of passive income?
The best source of passive income Many of us strive to develop a passive income stream for a variety of reasons, including generating income for a living, diversifying our income, increasing our income, putting extra cash to good use, and a mix of all or some of the above based on our...
Are you an investor or a speculator?
Like most trends, in the beginning, it's driven by fundamentals, at some point speculation takes over. What the wise man does in the beginning, the fool does in the end." Warren Buffett Almost every other ad across television and social media is encouraging us to invest. We see and hear...
Endowment bias – Yes you suffer from it and it’s keeping you from getting richer
“For most things are differently valued by those who have them and by those who wish to get them: what belongs to us, and what we give away, always seems very precious to us.” Aristotle, ~ 330 BC Have you noticed that whenever you ask friends, family or colleagues about...
Regulated vs. Unregulated Investment Products (India)
As retail investors we have many investment options today, common ones such as stocks, MFs, rental income, etc., and newer ones such as P2P lending, angel investing, digital gold, etc. However, not all products and companies selling those products are regulated i.e. do not have oversight of...
Diversify your investments to reduce risk without compromising on returns
We've all heard the old proverb "Don't put all your eggs in one basket," which suggests that instead of relying on one plan or resource, diversify. The fundamental principles of constructing an investment portfolio are based on this age-old adage. The Modern Portfolio Theory was pioneered by...
Investing Lessons from Professional Investors
Thanks to Zerodha and many other low-cost fintech brokerages, investing in stocks has never been easier. Further, social media-frenzied millennials are grabbing the opportunity of investing in stocks with both hands. Why not, quite a few of our known peers or family members have made lots of money...
What is an emergency fund and why do you need one?
Life is a journey full of unexpected twists and turns. While some of the surprises are nice, some are not. While we all aspire for happy surprises, it's also crucial to be prepared for the unexpected, particularly when it comes to your personal financial well-being. Unexpected circumstances can...
What is a budget & how do you stick to one?
"You must gain control of your money, OR, Lack of it will forever control you." -Dave Ramsey What exactly is a budget, and why do you need one? A budget is a forecast of revenue and expenses for a specific period of time in the future. Constant money planning and management is must to...
Are stocks the best way to invest for you?
We've all heard about stock market heroes like Warren Buffet and Rakesh Jhunjhunwala, who have amassed staggering fortunes by investing in stocks. For many professionals, stocks have been a terrific way to build money. Only two things can go wrong when investing in stocks: 1. investing in the...
Make Money like a bank on IndiaP2P
Many of us believe a bank's fixed deposit to be one of the safest investments available. Have you ever wondered how our investments are managed by banks or other financial institutions (FIs)? Banks, like other financial institutions, borrow money from the general public in the form of fixed...
Know your real returns on fixed deposit
For many of us, across generations, fixed deposits (FDs) are the preferred method of saving. Fixed deposits are considered safe and liquid assets that can be used to fulfill any unforeseen urgent need. Most of us see them as investments to help us increase our money, and for many Indian households,...
Mental Accounting & Why you may be thinking about money all wrong.
The different values we as people put on the same amount of money based on subjective or emotional criteria is our personal mental accounting. This type of accounting may seem useful or in the very least harmless but it is simply bad for us. Mental Accounting has been studied and popularised by...
Should I become an Angel Investor to invest in startups?
Angel Investors typically invest in a startup in its early stages basis the idea and the entrepreneur. In return, they receive an equity stake in the company, and often the % of the company they receive is decided later when the startup raises a larger amount of funding for an institutional...
What's up with Crypto in India? November 2021
A quick 5 point primer on what’s been happening and the upcoming draft bill in parliament. It is estimated that India has upwards of 1.5 Cr. crypto investors, many of whom have started investing recently. Estimates also suggest that 70-80% of Indian crypto investors have invested...
How does IndiaP2P create your investment products?
IndiaP2P’s investment products are essentially portfolios of fractions of loans. Let’s break this down: Fractions of loans - Your investment only funds a part of a loan i.e. you have co-lenders or co-investors in every...
Practitioner Interview Series: Ep. 1 - Understanding microfinance and women as borrowers
In this interview with Mr. Nagarajan M. founder of Velicham Finance & Bharathi Women Development Centre, we trace his 3 decades-long journey while exploring the potential and challenges of the microfinance sector. IndiaP2P: Your organisations have been undertaking banking and credit...
Practitioner Interview Series: Ep. 2 - Financial Advisory as a profession with Mr. Zohar Batterywala
Mr. Zohar Batterywala is a financial advisor, who has been serving his elite clientele for over a decade in their financial planning services and is widely regarded for generating wealth for his clients. He services a variety of clients ranging from NRIs to domestic investors. He is based...
5 mantras for building wealth
The pandemic has revealed that many of us are financially unprepared to deal with economic shocks, in contrast to western countries where the government provides for most of our fundamental needs like as food, education, and healthcare. However, as citizens of a developing country, we do not have...
A Milestone and a Story
Good News! We are delighted to announce our pre-seed fundraise from Antler India VC to charge ahead on our mission to create robust, high-yield debt-based investment products based on real economic value. Serving as a good entry point for new investors, as well as complement experienced...
News & Announcements
30 Startups to watch in Feb, 2022Read More
High-Yield investment platform IndiaP2P r....Read More
IndiaP2P raised funds from Antler VCRead More
Antler VC funds IndiaP2PRead More
Alternative Retail Investment Platform, IndiaP2P, delivers 17 per cent a year returnsRead More
How to save during inflation and rising prices?Read More
IndiaP2P delivers >17% p.a. returnsRead More
The peer-to-peer approach of IndiaP2PRead More
Funding news: IndiaP2P raises funds from Antler VCRead More
Emerging fixed-income alternatives for retail investorsRead More
Business leaders ready to create historyRead More
4 retail investing trends investors should not missRead More
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