High investment return in P2P loans
Alixco establishes itself as one of the highest-return P2P platforms in Southeast Asia
Alixco’s P2P platform has firmly established itself among the league of the best performing peer-to-peer (P2P) financing operators in Southeast Asia when it comes to investment return. Since the platform’s inception, investors have been able to generate steady investment returns of over 14% p.a. (gross return) on average and in excess of 12% p.a. net on average accounting for fees and non-performing notes.
The exceptionally high interest rate investors could make over the past few years on Alixco comes despite the COVID-19 pandemic and despite the platform’s financing volume growing by more than 109% in 2021. Neither the pandemic nor growth have hurt performance. Quite to the contrary, Alixco has managed to reduce the overall default rate to only 0.98% in the past two years, thus increasing investment performance for investors to over 14% p.a. (gross return) on average. One of Alixco's most successful issuers, Mobile2go with more than 100 campaigns https://www.alixco.com/invest/mo102 or SWC https://www.alixco.com/invest/swc7 who raised as well capital through equity crowdfunding, has proven to investors that with their support could grow the business even during the pandemic.
Alixco is a Kuala Lumpur-based Fintech that allows investors to make investments into Malaysian SMEs at a fixed interest rate and holding period on its platform Alixco P2P, all from the comfort of their home and with as little as RM 200.
Investors can earn a much higher interest on their savings with peer-to-peer financing (P2P) than with traditional savings accounts at banks. In today’s yield-starved environment where investors get a mere 2-4% p.a. at most on their savings, Alixco’s return of well above 12% p.a. offers a sharp and refreshing alternative to investors wishing to boost their investment income and not be left empty-handed.
While high interest can lead to life-changing investment gains for young investors over the long term, P2P investments are also particularly attractive to retirees looking to boost their retirement savings.
The need for current income on a monthly basis during retirement makes P2P investments an ideal choice and addition to any retirement investment portfolio. This is because repayments on P2P investments mostly occur on a monthly basis and also the contractually-agreed interest is paid on a monthly basis. More often than not retiree investors embracing P2P investments can earn 1% or more in interest per month on their savings, significantly more than on any other regulated fixed-income or interest-carrying financial product such as bonds or bank savings accounts.
Nonetheless, it needs to be said that P2P investments are not entirely risk free. If a business cannot make repayments on the investment note, it may lead to the total loss of the entire investment in the worst-case scenario. However, P2P platforms like Alixco have implemented a rigorous multi-tiered due diligence process algorithm which seeks to identify those businesses with the highest probability of repayment. Focusing on P2P platforms with a strong due diligence process, an investor focus and spreading out investments across many different P2P notes have historically proven to be very effective strategies at giving investors an overall outsized return.
Alixco will remain dedicated to offering some of the highest quality investment notes in the Malaysian market to investors while subjecting businesses to a rigorous due diligence process and offering above-average returns to investors.
Important risk notice and disclaimer: This is not an offer or a solicitation to make investments into any kind of financial product, including P2P investments. Historical return and performance are no guarantee of future performance and future performance may be substantially worse. Capital at risk. In the worst possible case, P2P investments may lead to the loss of the entire amount invested. Only invest capital you can afford to lose and always consult with your personal financial advisor before making investments, considering your personal financial and tax situation. In any case, P2P investments should only form a small part of a well-diversified portfolio and no investments should be made without fully understanding the risks involved.
