Fixed Income Investments & Fixed Interest Investments
Fixed Income Investments Australia
OurMoneyMarket is an online loan marketplace that offers retail and wholesale investors the opportunity to invest in personal loans. By utilising the latest technology, OurMoneyMarket provides investors access to an alternative high-yield fixed income investment. Investing in marketplace loans is easy. Simply click here to create an account, then BPAY funds to your personal OurMoneyMarket account. Once the funds have cleared in your account you can start investing! You can invest as little as $50 in any single loan so that you can lower your risk of loss. Diversification is an important part of investing in marketplace personal loans. We usually recommend aiming to build a loan portfolio that has at least 50 loans making repayments to you at any given time. As borrowers pay back their loans you will receive a portion of principal and interest – just like a bank does!
It is difficult to pick the best fixed income investments as it usually depends on your personal circumstances, risk profile and financial objectives. Diversification is generally recommended as a good investment practice as it can reduce the volatility in your returns as well as minimise the impact of loss on your portfolio. For example, with peer to peer lending, by spreading your risk across multiple loans, you reduce your risk of loss in the event a loan investment defaults. Therefore, seek professional financial advice around a variety of fixed income bonds and fixed income funds. Your financial advisor should provide an indication of the best income investments and fixed income securities for you.
Fixed Income Securities and Equities Online
Peer to Peer Lending is a riskier investment than traditional term deposits and most fixed return investments. It however offers a higher gross rate of return to compensate you for this risk. On a risk and return profile chart, marketplace lending might sit between unsecured corporate bonds and equities in terms of risk and return. It is generally considered less risky than investing in equities and unlike equities you will receive a regular fixed repayment.