25th March 2019
Most people associate the term ‘investing’ with buying stocks and bonds. Whilst bonds, ETF’s and mutual funds are all popular ways of investing there are some individuals who want stock market alternatives. With the stock market deemed as having schizophrenic behaviour patterns, more and more investors are looking to venture down alternative avenues.
With peer-to-peer lending there is no bank involved. P2P providers act as intermediaries between investors and borrowers – typically businesses in need of finance. At Huddle Capital, we have an innovative lending platform that allows individuals the opportunity to diversify their investment portfolio and make their money work harder for them. Borrowers can get access to the capital they require to expand their business, purchase inventory or finance other business-related equipment. This all comes with the bonus of being able to manage and handle capital through an online portal.
Peer-to-peer lending has technology on its side, allowing for significant development in recent years. Some P2P benefits include:
There are many different ways to invest in gold. Some investors choose to hold gold physically, in the form of coins or bars, whereas others prefer gold exchange-traded funds or gold mining. Whichever avenue am investor takes they will benefit from gold being:
Due to these qualities, gold is a sough-after asset and a strong competitor against tocks. Gold is unlike any other asset class, which makes it a fantastic diversification investment for portfolios. Furthermore, many investors rely on gold as a ‘rescue asset’ when other investments are struggling or proving less fruitful.
Some investors chose to set up a new business as investing in and owning a business can produce high returns. However, it is worth remembering that it can also fail and any money invested would be dead.
For the correct investor and business brain, many companies will chug along producing a steady income and will grow over a period of time. Whether an investor wants to open a shop or run a business online, money will need to be injected from the get-go to start the company.
Some investors who want less risk and to keep the financial security of their current employment opt to create a part-time business. These projects tend to be worked on during evenings and weekends and can blossom into full time endeavours if the returns are good enough.
SMEs are typically the size of businesses that become involved with invoice trading. By applying online via an intermediary, companies can auction their outstanding invoices via a centralised platform to obtain an immediate cash injection. Otherwise businesses can be left waiting up to and over 120 days for invoices to be settled. Furthermore, as there is no obligation for organisations to discount their entire debtor ledger this is a way of them gaining back control of their finances in a way that suits them best.
Investors bid on company invoices in a e-Bay style live auction. They are welcome to bid on percentages of invoices, or entire invoices. Those who offer the best competitive pricing will have successful and winning bids. The invoice trading platform that is being used will handle all the cash transactions between investors and SMEs. When the invoice is settled by the debtor the investor will be reimbursed their investment, plus interest.