DISCLAIMER, I am not affiliated. This is not a pyramid scheme. I am not promoting or marketing anything.
Since the purpose of these thread is about investment, I want to share what I have been doing.
And I also want to learn from you guys. So let's discuss. Ask me anything about what I am about to tell you
Been using this website for almost 8 months
https://fundko.comIt is a fintech company that offers a peer to peer lending platform. Since this is an investment thread, I will only talk about lending. Besides, I have used this site only for lending.
Basically borrowers will ask for money.
These borrowers can be individuals (unsecured) Or corporations (secured)
There will be a list of dozens of borrowers in the dashboard when you login as lender.
You deposited 10,000 to fundko to start your investment. It will be added to your digital wallet
So imagine there are 10 borrowers asking for 10,000php for 12 months at 2% each
Now as a lender, you are only allowed to lend 10% of the borrowers loan amount max. 1,000 is the minimum regardless of the loan amount.
In this case, 1,000 to each borrower.
So all through out the loan period, fundko will collect payments from borrowers and return your investment to your digital wallet.
1,000 / 12 months = 83.33
1,000 at 2% for each borrower is 20
Your gross income is 103.33php/month
If there are 10 borrowers, your gross income is 1033.33/month
Your gross income is 12,400 for the cycle. Giving you a net income of 2,400php in 12 months
Not bad right? Of course, the more you invest, the more you earn. Try it. I swear to you guys this is a legit company. Let's say when I started, 3 months ng sahod ko ung kinita ko.
Pero high risk ako. Up to you kung ano trip niyo.
Now ito ang payo ko sa inyo.
Stay away from unsecured loans or individuals. Normally these individuals will be asking for loan for housing renovations, tuition fee, medical expense, financial assistance and business capital.
PDC ang collateral. Akala mo secured na. Pero no. Marami sa kanila ang hindi nag babayad. In my account, there are already 33% of people I gave money to are not paying. If you email fundko, they will just give you robotic answers.
Ang maganda dito ung mga secured loans. Mga corporations na mangungutang ng sobrang laki. Pinaka malaki na nakita ko was 20,000,000. I think they were a supplier of Watsons.
They needed financial assistance to manufacture their products for Watsons. At ang colatteral nila ay ang kontrata nila kay Watsons na 20M.
Halimbawa lang yan ng isang secured loans.
So, sa 20M, 10% ang pwede mo ibigay. Normally mga 1.5% yan per month. At ang secured loans ay normally 1-3 months lang!!! Ganon kabilis mababalik investment
So let's do the math.
Kung high risk taker ka sagad mo sa 2,000,000. Pero Halimbawa nalang 200,000 lang kaya mong bigay.
200,000
3 months
at 1.5%
Your monthly income is 69666.66
Total of 209,000
Net income = 9,000
This my actual account. by the way, kung delay mag bayad ang borrower, may penalty sila at kikita ka sa penalty nila.