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The following article was published in our article directory on March 6, 2012.
Learn more about SpinDistribute Article Distribution System.

Rate of Return in Prosper

Article Category: Finances

Author Name: chickie maxwell

If you are an investor and you are looking for a place to invest your money into that offers a respectable rate of return, there are so many avenues that you can look into, depending on the level of risk you are willing to take on with your money . If you are the risk averse type, there are mutual funds and bonds that you can look into that offer relatively low gains but also give minimal risks. If you can tolerate a higher level of risk compared to most people , then you can venture into stocks or business investment.

One business that you can consider investing in is a peer-to-peer lending scheme. One company that offers this, which can be considered as one of the leaders of this industry, is Prosper. A peer-to-peer lending group such as this one offers an unconventional way of giving out loans to people who need them and getting out that money to fund the loans. And this is surprisingly gaining popularity.

How it works is that people who need loans indicate the loan amount they need, their purpose for taking out the loan, and post the loan in a listing database. Potential lenders will then review the database of loan listings and choose among all the listings which loans they would like to invest in, given their own set of criteria. After this choosing part is completed and a loan was transacted, the borrowers will then pay the lender fixed monthly payments to pay off the loan they took out. The investors on the other hand, get a part of this payment. As in the case of Prosper, the investors will get a part of these monthly payments in their Prosper account.

For Prosper, the way that they compute your returns is through seasoned rate of return. And as of December 31, 2011, the seasoned rate of return for loans in Prosper reached 10.46%, giving you a real return of around 5.46% if the inflation rate is at 5%.

But why does Prosper use seasoned returns rather than merely show the nominal returns? This computation is being done to give a more realistic presentation to future investors and current investors of what the returns are. Loans defaulting only occur after 5 months of non-payment. That is why the return rate is only calculated for loans payable aging 10 months or more, which takes us to the seasoned rate of return.

If all these are interesting for you, you can check out the online site of Prosper at e of Return in Prosper

If you are an investor and you are looking for a place to invest your money into that offers a respectable rate of return, there are so many avenues that you can look into, depending on your risk assessment. If you are the risk averse type, there are mutual funds and bonds that you can look into that offer relatively low gains but also give minimal risks. If you can tolerate a higher level of risk compared to most people , then you can venture into stocks or business investment.

One business that you can consider investing in is a peer-to-peer lending scheme. One company that offers this, which can be considered as one of the leaders of this industry, is Prosper. A peer-to-peer lending group such as this one offers an unconventional way of giving out loans to people who need them and getting out that money to fund the loans. And this is surprisingly gaining popularity.

How it works is that people who need loans indicate the loan amount they need, their purpose for taking out the loan, and post the loan in a listing database. Potential lenders will then review the database of loan listings and choose among all the listings which loans they would like to invest in, given their own set of criteria. After this choosing part is completed and a loan was transacted, the borrowers will then pay the lender fixed monthly payments to clear out the loan they took out. The investors on the other hand, get a part of this payment. As in the case of Prosper, the investors will get a part of these monthly payments in their Prosper account.

For Prosper, the way that they compute your returns is through seasoned rate of return. And as of December 31, 2011, the seasoned rate of return for loans in Prosper reached 10.46%, giving you a real return of around 5.46% if the inflation rate is at 5%.

But why does Prosper use seasoned returns rather than merely show the nominal returns? This computation is being done to give a more realistic presentation to future investors and current investors of what the returns are. Loans defaulting only occur after 5 months of non-payment. That is why the return rate is only being computed for loans payable aging 10 months or more, which takes us to the seasoned rate of return.

If all these are interesting for you, you can check out the online site of Prosper at  HYPERLINK "http://www.prosper.com" www.prosper.com. They have a page in the site where you can submit questions to them so you can learn more. Or, you can also speak to a Prosper agent specialist that can answer all of your questions. Just call them at their toll free number 1-866-615-6319 and you can start asking about how to start investing and their seasoned rate of return.

Keywords: rate of return

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