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NSR Invest's monthly newsletter for April 2016.
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Bo Brustkern reviews 1Q16 returns.

Could You Be Earning More with P2P?

The S&P 500 returned 0.8% for the first quarter of 2016, after a disappointing -2.1% for all of 2015. The Dow ended with a 1.5% return for the first quarter after a dismal result of -3.5% in 2015.

Fixed income returns weren’t much better. For the first quarter, the Barclays U.S. Aggregate Bond Index scored 2.6%, while the S&P U.S. High-Yield Corporate Bond Index reported a return of 3.4%. For 2015, these indices scored a poor -1.6% and -4.0% respectively.

These are not the returns you’re looking for.
As a result, many investors are broadening their allocation to alternatives in an effort to gain yield from a more diverse range of investments. But even dividend paying stocks, which investors often look to for broadened portfolio exposure, reported a return of -7.0% in 2015 as measured by the Dow Jones U.S. Select Dividend Index. Given these returns, investors have become even more open to a broadened set of alternatives.  
If you didn't beat 5% in your fixed income portfolio or 9% through alternatives, then you can’t afford to overlook p2p investing. 

Institutional and retail investors alike are enjoying outsized attractive returns with low correlation through peer-to-peer lending. Why is p2p so attractive? Because it is a direct bet on the strength and resilience of the US economy without undue volatility caused by swings in global moneyflows. Meanwhile, the efficient connection between borrowers and investors benefits the American economy by expanding access to capital -- and reducing the cost of it -- for individuals and small businesses. Thus investors in p2p benefit from enhanced returns, and they provide a service to their fellow citizens and the economy in which they live.

As the internet finance movement continues to build momentum, access to capital and investment opportunities are broadening. We expect the trend to continue to build steam as more investors become aware of the advantages of p2p lending. Investors can rest assured there is still yield in today's market. You just need to know where to look for it.

LendIt USA kicks off on Monday, April 11 at the San Francisco Marriott Marquis. Over 400 speakers will deliver more than 100 hours of content in two days' time. This is the online lending industry's largest annual conference, and it is not to be missed. See you there? Drop by our booth, or check us out in the Wealth Management track, where we'll be spending lots of quality time. 
Investment Returns
We are the gateway to p2p investing. We provide Fully Managed and Self Directed Accounts for all investors residing in p2p-friendly statesWe also offer the Lend Academy P2P Fund for accredited investors only. Please contact us to hear more about the Fund.

Fully Managed Accounts: We manage individual accounts on Lending Club, Prosper and Funding Circle, and we have a variety of strategies available for investment. We have summarized returns since inception in a "box score" format for each of our consumer lending strategies below:

The Assertive Strategy is designed to perform best in a strong US economy.
The Balanced Strategy targets a moderate return with economic resilience.
The Conservative Strategy is designed for consistency even in a weak economy.

As always, I would be elated to hear from you personally. Call me directly at 720-259-0472 or send me an email at bo@nsrinvest.com.

Please feel free to forward this letter to your trusted friends. We are open to new investors, and welcome those conversations.

Warm Regards,

Bo Brustkern
Co-Founder & CEO
NSR Invest

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