We are often asked whether investing in loans is lucrative for the strategic development of a savings plan. Basically, we can answer this question with a yes. But there are a few points to keep in mind so that the investments remain profitable in the future. It is important which goal you pursue. We would like to show you two strategic goals.
1. Goal: Wealth building
If you are planning a strategic asset accumulation, investing in loans is a very attractive option. The most important thing is that you have a clean distribution key and diversify your portfolio accordingly. On our online platform, you can invest in personal and business loans for as little as USD 500. It is up to you in which credit category (private or SME) and rating level (AAA-C) you want to invest. Personal risk tolerance is decisive here. If you are planning an investment of USD 100,000 or more, we can offer you our choice mandate. You will receive the full version of our mandate for an investment of USD 1 million or more. We keep you informed about new investment opportunities, you decide on individual concrete systems and we make your investments.
2. Goal: Generate a regular income
Crowdlending opens up a completely new asset class for private as well as institutional. The possibility to finance installment loans gives investors the opportunity to generate a regular income. Because the monthly installments (amortization and interest) of the borrower give you, as an investor, the monthly repayments of your investment. You define the amount, the term and the rating level and thereby determine the amount of your income.
Tax relief with P2P investments?
If you are pursuing tax relief by investing in personal and business loans, we must inform you that no tax-optimized investments are currently possible. The interest earned is generally subject to income tax for natural persons in Switzerland and must be stated in the tax return. You will receive an extract from us for your tax return at the end of the year.
Stay flexible with our secondary market when it comes to planning your future
No matter whether and how much you invest on our online platform, you can always offer your investments on our secondary market at any time and before the loan project ends. So you have the maximum flexibility in terms of your liquid assets.
No investments at Lite Lender Bank yet? You can make your first investment at USD 500 and join the Lite Lender Bank investors.