{"id":17719,"date":"2021-11-08T19:00:00","date_gmt":"2021-11-08T11:00:00","guid":{"rendered":"https:\/\/www.comparehero.my\/blog\/uncategorized\/p2p-investing-best-practices-2018.html"},"modified":"2026-03-27T10:40:37","modified_gmt":"2026-03-27T02:40:37","slug":"p2p-investing-best-practices-2018","status":"publish","type":"post","link":"https:\/\/www.comparehero.my\/blog\/investments\/p2p-investing-best-practices-2018.html","title":{"rendered":"5 Tips for P2P Investing: Best Practices in 2018"},"content":{"rendered":"\n

P2P Investing Best Practices 2018 – An Investors Guide<\/h2>\n

Thinking on starting your investment journey? Or looking for option that provide better returns? Here is a tip guide on Peer-To-Peer Investing or P2P Funding best practices. Be warned though, investing in P2P can get addicting because it can be quite fun analysing notes to make a greater return on your money.<\/p>\n\n

Peer-to-Peer Funding, also commonly known as P2P Lending<\/a>, usually refers to an online service that handles all of the logistics for both borrowers and lenders. In addition to providing agreements, payment processing, and borrower evaluation, P2P funding is an easy marketplace for individuals and organizations to connect.<\/p>\n

In Malaysia, the Securities Commission (SC) is the regulatory body for P2P funding activities via its P2P regulatory framework<\/a> and there are a few platforms where you could invest your funds in. Working with each P2P funding platform is different but we like Fundaztic<\/a>. They allow you to start investing with just RM50 and even an easy to understand video instructions to register<\/a>.<\/p>\n

See also: How To Make More Money With P2P<\/a><\/p>\n

Tip #1 \u2013 Understand Risk Appetite\"fundaztic_articleimage_riskappetite\"<\/strong><\/h2>\n

If you\u2019re just getting started with P2P financing as an investment tool, take it slow. This is where you need to understand your risk appetite, the risk grades of the businesses that are asking for money and find one that you\u2019re comfortable putting money towards. Manage your expectations. Although it\u2019s tempting to go for higher-risk businesses, because of the higher interest rates and thus higher returns, you need to ask yourself what you can stand to lose if they default on their payments. Fundaztic<\/a> has a great risk profiling questionnaire that can give you a head start.<\/p>\n

Tip #2 \u2013 Research and Evaluate<\/strong><\/h2>\n

Study the business plan of the issuer. It is very important to know the risk associated with the borrower. While Fundaztic does perform a credit evaluation process with a Probability of Default rate, you should always read the profile and evaluate for yourself if the information is something you believe in.<\/p>\n

Tip #3 – Practice Diversification\"fundaztic_articleimage_diversify\"<\/strong><\/h2>\n

Diversification is an important point when investing in P2P funding. You should diversify your investment by spreading it across multiple investment notes, with different risk grades, interests and tenure. This way, you minimise the risk of defaults and protect your investments. When you spread your money this way, your profits are likely to be higher than your defaults. And while it sounds more time consuming than it actually is, Fundaztic<\/a> does offer an auto-invest feature which automatically invest into the investment notes based on the investor\u2019s investment criteria. Furthermore, with a minimum investment of just RM50, anyone can practise diversification through Fundaztic.<\/p>\n

Tip #4 \u2013 Re-Invest<\/strong><\/h2>\n

As you get your principal and interest repayments monthly, don\u2019t just cash out your P2P returns the moment you\u2019re able. Make the most of capital gains by continually reinvesting your returns into new investment notes. This way, your money is always working hard for you. Without reinvestment, your repayments are simply earning zero return. Through continuous diversification and reinvestment, you can earn as much as 23% in effective interest rates.<\/p>\n

Tip #5 \u2013 Fund Yourself First\"fundaztic_articleimage_fundyourself\"<\/strong><\/h2>\n

Before you become a P2P investor, make sure that you can cover your financial commitments and you have a strong emergency fund for those rainy days. You won\u2019t able to withdraw money from the P2P platform at a whim. And while the total amount of money to invest into P2P financing depends on your financial situation, you should always remember, P2P investing has somewhat of a learning curve. It is easy to get excited and carried away early on. We suggest to start with a small amount, gain some experiences and decide whether it is for you and then increase your deposits over time.<\/p>\n

Investing with P2P funding is a fairly straightforward process, but you need to take reasonable precautions like the ones outlined above. Follow these tips, keep learning everything you can, and never take on more risk than you know you can handle.<\/p>\n

Are you ready? Start here<\/a>. There\u2019s even a handy video guide to help you register.<\/h3>\n

Disclaimer<\/strong>: Neither CompareHero.my nor the content on it is intended as securities brokerage, investment, tax, accounting or legal advice, as an offer or solicitation of an offer to sell or buy, or as an endorsement, recommendation or sponsorship of any company, security or fund. The content on CompareHero.my is for general information purposes only and is not intended to be personalised investment advice or a solicitation for the purchase or sale of securities.<\/em><\/p>\n

Compargo Malaysia Sdn. Bhd. and\/or its affiliates cannot and do not assess, verify or guarantee the adequacy, accuracy or completeness of any information, the suitability or profitability of any particular investment, or the potential value of any investment or informational source. CompareHero.my may receive compensation from the brands or services mentioned on this website.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

P2P Investing Best Practices 2018 – An Investors Guide Thinking on starting your investment journey? Or looking for option that provide better returns? Here is a tip guide on Peer-To-Peer Investing or P2P Funding best practices. Be warned though, investing in P2P can get addicting because it can be quite fun analysing notes to make…<\/p>\n","protected":false},"author":268230141,"featured_media":59848,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[424],"tags":[],"class_list":["post-17719","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investments"],"yoast_head":"\n5 Tips for P2P Investing: Best Practices in 2018 - CompareHero<\/title>\n<meta name=\"description\" content=\"P2P Investing Best Practices 2018 - An Investors Guide Thinking on starting your investment journey? 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Intrigued? We break it down for you here. It\u2019s a brand new year, which means it\u2019s a great time\u2026","rel":"","context":"In "Investments"","block_context":{"text":"Investments","link":"https:\/\/www.comparehero.my\/blog\/investments"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2021\/11\/image-13.png?fit=1024%2C768&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2021\/11\/image-13.png?fit=1024%2C768&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2021\/11\/image-13.png?fit=1024%2C768&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2021\/11\/image-13.png?fit=1024%2C768&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":18649,"url":"https:\/\/www.comparehero.my\/blog\/investments\/investment-risks-p2p-lending-invest.html","url_meta":{"origin":17719,"position":2},"title":"Understand the Risks of P2P Lending Before You Invest","author":"CompareHero","date":"8 November 2021","format":false,"excerpt":"Peer-to-Peer Lending (P2P) is slowly growing in Malaysia as an alternative investment option and funding platform for investors and businesses alike. We\u2019re not quite at the level as China is \u2013 it\u2019s the largest market for P2P in the world with over 1,000 marketplace lenders\u00a0 - but over time P2P\u2026","rel":"","context":"In "Investments"","block_context":{"text":"Investments","link":"https:\/\/www.comparehero.my\/blog\/investments"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2021\/11\/image.png?fit=1024%2C768&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2021\/11\/image.png?fit=1024%2C768&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2021\/11\/image.png?fit=1024%2C768&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2021\/11\/image.png?fit=1024%2C768&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":18157,"url":"https:\/\/www.comparehero.my\/blog\/investments\/how-crowdfunding-works.html","url_meta":{"origin":17719,"position":3},"title":"How Crowdfunding Works","author":"CompareHero","date":"8 November 2021","format":false,"excerpt":"Crowdfunding is a growing industry in Malaysia. More and more people choose this alternative form of financing over a traditional bank loan. You might be an investor looking for a new opportunity or an entrepreneur with an amazing business idea, crowdfunding can be useful to anyone! What is crowdfunding? The\u2026","rel":"","context":"In "Investments"","block_context":{"text":"Investments","link":"https:\/\/www.comparehero.my\/blog\/investments"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2021\/11\/image-15.png?fit=1024%2C768&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2021\/11\/image-15.png?fit=1024%2C768&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2021\/11\/image-15.png?fit=1024%2C768&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2021\/11\/image-15.png?fit=1024%2C768&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":17951,"url":"https:\/\/www.comparehero.my\/blog\/government-budget\/budget-2021-sme.html","url_meta":{"origin":17719,"position":4},"title":"Budget 2022: What’s In It For SMEs, Startups, E-Commerce?","author":"CompareHero","date":"8 February 2022","format":false,"excerpt":"Budget 2021 brings hope to small and medium enterprises (SMEs), startups and businesses in Malaysia that are affected by the COVID-19 pandemic. Read this article to find out the key highlights and benefits that your business can expect to get from the latest national budget. Many businesses, particularly small and\u2026","rel":"","context":"In "Government Budget"","block_context":{"text":"Government Budget","link":"https:\/\/www.comparehero.my\/blog\/government-budget"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/budget-2021-sme.jpg?fit=1200%2C628&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/budget-2021-sme.jpg?fit=1200%2C628&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/budget-2021-sme.jpg?fit=1200%2C628&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/budget-2021-sme.jpg?fit=1200%2C628&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/rpstagingdot.wpcomstaging.com\/wp-content\/uploads\/2026\/02\/budget-2021-sme.jpg?fit=1200%2C628&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":18449,"url":"https:\/\/www.comparehero.my\/blog\/lifestyle-finance\/ways-malaysians-manage-money-pre-merdeka-vs-2021.html","url_meta":{"origin":17719,"position":5},"title":"Pre-Merdeka vs 2022: How Malaysians Managed Their Money Then vs Now","author":"CompareHero","date":"20 February 2022","format":false,"excerpt":"Financial management was different before Malaysia gained independence in 1957. How did the financial landscape transform and affect us today in 2020? We look at 8 ways of how Malaysians managed their money during pre-Merdeka days and now. 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