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Come investire 100€ [Prima puntata: P2P Lending] Investire per principianti QUANDO NON HAI SOLDI - YouTube
Channel: Riccardo Zanetti
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this is a crunchy 100 euro banknote 100 euro if you are like one of the many people
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I have talked to many of them think that with 100 euro you can do nothing in the world of
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investments they think you need a thousand euro 10,000 euro 50,000 euro before
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you can invest anything let me tell the truth this is wrong it's a lie do
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n't believe it don't believe it and if you think that 100 euro is not enough you know what can start with
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less than 100 euro and today i will explain one of the ways with which you can do I intend to
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start this series in which he explains all the possibilities that you have to invest with
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less than 100 euros for the first episode I want to explain to you about peer to peer lending practically
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you lend money and other people get interest or find an infinite number of
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online platforms and today I want to share with you two of these windows platforms and trino I leave you the
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link in description if you want to test them and see how they work nano autonomously before moving
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on to the computer I tell you that I am not a financial consultant so do your research
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before starting to invest do not rely on me I am here to learn like you and I am ready for
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any advice you have leave me all the advice in the comments you have is
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also any questions I am here to learn and to answer them now let's move on to the computer to
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last thing if these topics interest you remember to subscribe my channel is
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in particular about personal growth here we are guys this is a small summary screen of
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how they work the platforms since both work in the same way we are here we are the
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investors we will deposit money within the platform in which we could choose
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who to lend the money to and within this platform we could find the details
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of this loan here in this small screen that shows that inside the platform
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we could see if a home loan is a loan for the agricultural loan machine
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etc. then we enter the platforms first of all you have to make a deposit I made a
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simple bank transfer in euros to both platforms deposited at 90 euros to test them
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and to see which of the two is the best and then judge if you can invest more money
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and if you ever have more money to invest anyway at the end of these two months make another video
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on the progress of my loans and we will see which of the two I think is the best however I
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leave you the link to the two platforms, both minton's and they actuate, if you are interested, there is
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an infinity of information the thing that is immediately proposed to us after depositing money is
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the market, that is the list of all the people to whom we can go to lend money the thing
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what I do is select euros immediately so we do not have problems of exchange problems of other types
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of interests or other types of commissions for which pres we will keep euros and the person who requested the
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loan requests euros for those there are no problems is what I advise you to
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do is always select buy back guarantee this is a sort of guarantee with which
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if our borrower does not give us back the money will be the same platform to worry
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about paying us so in this way we will not lose our money after which in this list
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you can find the nationality of the person requesting the loan when the request the type
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of loan who is the organizer of this loan in fact it is between the mentos platform
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and the borrower there is a platform a financial institution that takes care of taking the money
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from the mentos platform in this case and giving it to the borrower to the person to whom we want to give the
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money then there is the budget that is how many money borrowed how much was
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given to him this borderware apr is the cost that is charged to borrowers when they are behind with
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the time an in interest that borrowers will have to pay if they have delays in paying
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their loan after which the interest on this loan i.e. how much is the
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annual interest in this case that we would earn so if we lend 100 euros and the annual interest
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of 6 euros if we lend him for a year we would have 6 euros and return since we have lent 100 euros
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if we lend him only for a month obviously we will have a twelfth of this 6 percent so
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50 cents if we lend 100 euros after which the term that is when this loan ends these
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they are all 12 days and then there are much longer loans for example the longest and
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60 months and 24 days however we can find the one that is the best in our opinion and this
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is the money that the borrower still needs in fact this request a loan of 2793
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euros and we can be eligible for investment 2055 we can invest with a minimum amount of
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10 euros every single loan now I will show you my portfolio my investments
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I to stay safe in quotes and differentiate the thing a bit I have made
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all the loans from 10 15 or at most 17 50 to the borrower in this way if a person
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does not repay me the loan back at least I do not risk losing all 90 euro but pre but
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loses only about ten euro here I made a mistake in fact you will not lose money since
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we have set the buy back option but they will simply arrive late
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so to avoid this or differentiate to the wallet after which this the
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average interest of all my loans and this is the duration in this case it has a duration of
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30 days 28 days now so you can observe the progress of these loans how
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the platform works in short this is a test phase here it does not work in the
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same only way that I wanted to try another type of portfolio that is the self
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invested one practically by parameters and when the platform finds a loan that
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at those parameters he lends him money obviously until I run out of
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bootable money in my account this type of option is also in mentos but
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I wanted to try two different options now we will see how they both go and in a month how you will I
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said I will make you an update video on these two platforms if you are interested in the world of
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online investment earnings subscribe to my channel since I will make several videos with
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this theme if Milan is liked please let me like me and see you at the next adventure
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