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I have been in prosper for a little over a year with $500 invested. So far no defaults or late payments on any notes, and a 12% return. My strategy is to avoid debt consolidation loans because those borrowers seem likely to figure out that bankruptcy is better than paying double digit interest for 3-5 years. I aim for high income people that are bad with money and want to finance impulse buys. There are lots of professionals who want to remodel their kitchens, I give them my money. I haven't found a tool that compares default rates by loan purpose. My question is, has anyone tried doing this through a roth ira? The structure and time frame seem amenable to this. Prosper was pushing it last year around tax time, but that option seems to have disappeared.
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# ¿ Dec 6, 2012 14:09 |
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# ¿ May 4, 2024 16:10 |