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4 Investing Resolutions to make this New Year

Let the past be where it belongs! Forget and forgive 2021 for the year that it was for all of us. Begin 2022 with great health, joy, and resolutions that will aid you in the near future. The start of the year is an excellent opportunity to close the financial review of the past year and create a roadmap of the activities you can do to build your wealth, increase your net worth, and grow your investments. It is essential to be abreast with the market trends and be entirely sure about the things you want to do to realize your monetary goals going forward.

As you step into the New Year, you can consider these four moves to plan for a brighter financial outlook.

  1. Portfolio Expansion

Diversification is a vital tool for insulating your investments against volatility within the market. Optimal diversification can vastly improve the performance of your investments. As a widely accepted practice, investors diversify their investment portfolio across various instruments to ensure that the portfolio’s collective performance sufficiently eclipses the losses of other instruments. If your investments are concentrated in one particular asset class, you’re putting your whole portfolio in danger if that market sector experiences a downturn. If your investments lack variety, injecting some new blood into your holdings should get on your to-do list.

Peer-to-Peer (P2P) Lending, for instance, is a highly suitable option against fluctuations within the market. Sustained high returns on investment make P2P lending a sought-after investment option for fixed-income investors. You can earn up to 10-12%* p.a. returns while investing in P2P.

  1. Steady Rebalance

Rebalancing is the process of realigning the weightage of the assets in your portfolio. You should routinely rebalance your portfolio to ensure that you’re maintaining the right asset allocation to fulfill your investment objectives. There should be a balance in the asset classes that you put your funds in to keep the risk and the returns in check.

The New Year is a chance to research, plan and create a steady balance in your portfolio. If you generally rebalance once a year, increase the frequency to bi-annually or quarterly. Also, you should check your asset allocation regularly to have a finger on the pulse to stay up to date with your investments.

  1. Tax-Efficient Investing

Every investment has costs. However, of all the expenses, taxes can sting the foremost and take the most crucial part of your returns. Tax-efficient investing can decrease your tax burden and maximize your bottom line—whether you would like to save lots of corpus for retirement or generate cash.

With a taxable investment account, you’ve got to be mindful of triggering the capital-gains tax. This tax applies once you sell an investment for what it cost when you purchase it. A method to weaken this tax is to settle on tax-efficient investments, like Peer to peer (P2P) Lending. These funds have lower turnover than actively managed funds, which cuts the frequency of taxable events.

  1. Pay Fewer Investment Fees

Fees are a significant detractor to your wealth-building efforts, shrinking your investment earnings over time. They are, in essence, negative returns. Fees are an unavoidable evil of investing, but that doesn’t mean you have to overpay when it comes to them. Few people pay much attention to their investment expenses when times are good, but they don’t realize that those pesky little fees can eat away their returns. Fees cannot be avoided entirely, but can be reduced. From going after low-cost funds to getting more passive, there are ways you can lower your overall cost of investing.

So, make sure to be smart with your investments this New Year and make the most of the money you earn.

LenDenClub is India’s largest alternate investment platform which started operations in India in 2015. We have been helping investors diversify their investments beyond traditional investment instruments ever since.



The Reserve Bank of India does not accept any responsibility for the correctness of any of the statements or representations made or opinions expressed by Innofin Solutions Private Limited, and does not provide any assurance for repayment of the loans lent through its platform.

LenDenClub is an Intermediary under the provisions of the Information Technology Act, 2000 and virtually connects lenders and borrowers through its electronic platform via the website and/or mobile app.

The lending transaction is purely between lenders and borrowers at their own discretion, and LenDenClub does not assure loan fulfilment and/or investment returns. Also, the information provided on the platform is verified or checked on the best efforts basis without guaranteeing any accuracy of the data/information verification. Any investment decision taken by a lender on the basis of this information is at the discretion of the lender, and LenDenClub does not guarantee that the loan amount will be recovered from the borrower, fully or partially. The risk is entirely on the lender. LenDenClub will not be responsible for the full or partial loss of the principal and/or interest of lenders’ investment amounts.


*P2P investment is subject to risks. And investment decisions taken by a lender on the basis of this information are at the discretion of the lender, and LenDenClub does not guarantee that the loan amount will be recovered from the borrower.

** Average value mentioned is the weighted average of returns received by investors

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