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Financial Advice Every Investor Needs to Know

“Don’t work for money. Make it work for you.” – Robert Kiyosaki

Investments are a must to grow and make your wealth. The number one thing for investments is to take time to chalk out your life goals for the next three to six years and jot down the financial resources you will need to achieve them. It is said investment in knowledge pays the best interest and therefore we have collated some essential advice adhering to which is a must for every financial investor.

1. Annual Review is a must

At the end of every year, it is a good time to check your financial performance and if you are in line with your savings goal as well as investments. It is imperative to keep your investments in sync with your goals and objectives. If there has been any life event taken place suddenly or is due to take place in the future your investment portfolio needs to be catered to that accordingly. Events like the birth or death of a family member, or a new kid due to go to school, or an upcoming wedding are all life events that might alter our investment plans for which we must make provisions.

2. Investing in a peer-to-peer loan

There was a time peer-to peer lending in India acted as a matchmaking service only between lenders primarily banks and the borrowers. However, now in peer-to-peer lending, banks form a small part of the lenders whilst most of the lenders are individuals who prefer to use peer-to-peer lending through online peer-to-peer lending companies like LenDenClub. These investors are payments at higher interest rate. Thus lending money online to borrowers is now a huge investment opportunity for investors and the P2P lending industry has experienced exponential recently. If an investor will get a yield on his investment higher than many traditional fixed-income asset classes, which one does, in Peer-to-Peer lending it becomes a great investment tool for him.

3. Always measure your tolerance for risky business

You should know your tolerance for risky business whilst investing. If the market drops and you look at your balance, and its lower and the mere thought of it makes you ill, you don’t want to put yourself through that scenario. As a rule of thumb, your fund allocation must be done in this manner: Use your age, and that number forms the percentage of your holdings you must invest in fixed-income and safer investment avenues like bonds, etc.

4. No risk, No return

For those who believe risking in stocks is a gamble, staying on the fence and avoiding the market risks altogether can be an even bigger losing bet. Staying out of the subjects of the market you to the risk of inflation which might be more than your fixed deposit return. Your money appreciates in value when you invest and therefore when you are out of the market your money isn’t making any money on funds. With the time value of money concept, your money is losing its value. Therefore, a amount of risk appetite is required to invest in the right investment product to garner a sufficient return to growing your money. Also, remember high risk also garners a higher reward.

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

© 2023 LenDenClub by Innofin Solutions Private Limited | CIN: U74999MH2015PTC266499


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