Cómo Invertir En PRÉSTAMOS PERSONALES: Las Mejores Plataformas de Crowdlending

Crowdfunding (personal loans) or crowdlending FinTechs are on fire, but does that mean you should consider investing your money in them? In this video, I'll discuss the considerations you should keep in mind if you want to invest your money in personal loans, and four crowdlending platforms that could be useful in your particular situation. Platforms: Afluenta (https://www.afluenta.mx/) Doopla (https://www.doopla.mx/) YoTePresto (https://www.yotepresto.com/) Red Girasol (https://www.redgirasol.com/) These types of platforms are intermediaries between people looking for a loan and people who want to invest their money. You can invest your money in these personal loan platforms, and they will lend your money to them in one way or another. Regarding whether they are regulated: No, they are not yet regulated, but according to the Fintech Law, they must be in the process of being regulated at the time of recording this video. When searching, look at the bottom of the page; a legend should appear. Or at a certain point, it should say that it is already regulated as a Crowdfunding Institution. Otherwise, run away! For now, with caution. Who should invest, how much, and for how long? All of these are investments for loans to individuals or businesses; real estate loans are a different topic. Let me know in the comments if you're interested in a video on that in particular. *Who:* those who already have their emergency fund, have already paid off their debt, and are properly planning for their retirement. Because remember that this is riskier, both because it is not yet fully regulated and because it involves individuals and businesses. More details when we talk about each platform in a minute. *How ​​much:* This investment is not for your retirement, but rather to grow money that you plan to use in the short/medium term. Consider that the horizon for these investments ranges from 12 to 48 months. *For how long:* Related to the previous point, these types of investments work best for periods of a few months or a few years. They aren't suitable as a retirement portfolio, which you shouldn't have to worry about more than perhaps once a year. Risk and Return: Different personal loans offer different returns on each crowdlending platform. If you follow the steps for Who, How Much, and For How Long, you've already done a good part of structuring your investment, so feel free to choose the one you feel most comfortable with. Remember, the higher the risk, the higher the potential return. Look for a higher return (at least 2%) than CETES on these crowdfunding platforms because it's riskier. Look at the risks and credit ratings shown on each loan. Your Options These are the best platforms, based on rates, features (solar, low initial investment, ease of use), and the care they put into their selection. 1. Afluenta 1. Minimum initial amount of $5,000 2. You can automate reinvestment of your money 3. Select the profiles 4. Your investment is well diversified; your money forms a small part of what is lent to a person, so if they default, it won't affect you as much 5. Around 21.6% average 6. Who to choose based on CETES and risk 2. Doopla 1. Minimum initial amount: $2,500 2. You can see the credit score of the people you lend to; look for one above 650 3. 19% average 3. Yo Te Presto 1. Minimum initial amount: $200! 2. But you can't diversify like this. Put in a minimum of $2,500 or $5,000 (like the others) and make several small loans. 3. 17.5% average. 4. As with the others, find a good balance between interest rate and credit rating. 4. Red Girasol 1. Lend/invest in solar energy! 2. 15.9% average. 1. But 7.5% when it's for households (download, it's almost the same as Cetes, with much more risk). 2. 15% for businesses. 3. Only give 20% if you're a company. 4. Less 2% commission, ugh. 3. Automatic investment with recurring payments, drip investment (without recurring payments), or manual #PersonalFinance #FinancialEducation