sure I like to talk about investment…let me start with the easy part, P2P:
The principle is simple. You lend money to other people who need money. For this, they pay you interest. You can lend to individuals (consumer loans), lend to companies (business loans), and buy invoices at a discount (refactoring). It all exists in secured and unsecured forms, meaning the loan is secured by an asset or not. Consumer loans typically are unsecured.
In order for this to work, there are internet platforms available who are matching lenders with investors. To reduce risk for you as investor, you will also only grant a small sum to an individual, but to many individuals.
To be more specific, the following platforms I am invested:
Bondora, since roughly 4 years, with my yield being around 12% per year. Only consumer loans. Bondora is one of the first platforms and has now funded more than 160m in loan amount. If you want to sign up you can use my referal link https://bondora.com/ref/BO567764A
Mintos, similar to Bondora put they do not directly find the loans, on their platform loan companies can sell their loans. Has consumer & business loans, I am there since around 3 years with 11% yield.
Currently getting first experience with a Singapore platform (Funding Societies) just to diversify, but there are many platforms out now.
Real estate…you need some hacks to get proper yields imho. E.g. buy a flat and rent over airbnb, at least for us this is working well. Or try your luck in the UK with HMOs, that’s what I am doing right now…
So was a bit a longer post hopefully someone can use some of the information…