Guest Post

Quanloop: 101 or your small guide to the new investment world

General information

Quanloop is an online platform that acts as an alternative investment fund which implies that it lends the funds contributed by investors. The company Quanloop is run by QUANLOOP business group consist of three enterprices, which has its headquarters in Estonia. The core of its functioning is a system of microlending agreements where users lend the fund one euro for a period of 24 hours, and then, this process is repeated as many times as the investor desires.

Quanloop is a wholesale investing fund that provides access to a wide range of investment opportunities. Investors may tailor their strategy to their comfort level with risk by choosing from conservative, moderate, or aggressive plans. In addition, the maximum amount an investor may put into a given plan varies. Investors looking for the safest option may choose a low-risk plan, while those seeking the maximum possible returns can go for a high-risk option. However, remember that it has limits on distribution between plans.

Income

Today, to stay up to date and make good money, clients are urged to diversify their portfolios by including alternative investment platforms. By using Quanloop, investors may earn up to 15.7% each year. They may rest easy knowing that Quanloop will handle all the necessary investment management tasks. Investors may still choose their yearly interest rate and determine their level of risk tolerance for their portfolios.

Risks

No matter how tempting it may be, you should never use all of your money to fund a single debt endeavor.  Quanloop forbids you to put all of your balance into the high-risk bucket at once. The maximum contribution for high-risk plan is 33%, with up to 50% for the medium-risk plan. Low-risk investments, on the other hand, allow you to devote as much capital as you choose. The portfolios of their backers are diversified in this manner, decreasing their vulnerability to any one event.

Quanloop offers its users three different risk plans.

  1. Low risk; most secure.  In the case of low-risk plan, LTV ratio (The Loan-to-Value (LTV) ratio indicates the maximum loan amount a lender is ready to provide in relation to the asset’s value) is up to 55%. The whole investment pot may be placed in this low-hazard scheme. The annual percentage rate options for investors range from 5.5 percent to 8.9 percent.
  2. Medium risk is backed by a reasonable amount of collaterals and may have an LTV of up to 85%. The maximum amount of money that investors may invest in this plan is fifty percent, and the remaining capital must be split between this plan and the low-risk plan. The annual percentage rate that investors may pick from ranges from 9% to 12.9%.
  3. A high-risk strategy is one that either has a very little quantity of collateral or none at all. Its collateral value is near the same as loan. Due to the fact that it is the plan with the highest level of risk, Quanloop does not let investors spend more than one-third of their total capital on this plan. The yearly interest rate that investors get might range anywhere from 13% to 25%.

Although Quanloop’s micro-investment strategy, basic revenue scheme, and features may seem unconventional, they provide a solid foundation for exploring the platform further.

Pros:

  1. Investors are not required to pay any fees to Quanloop to participate in the company’s offerings. The establishment of an account, the addition of funds, the withdrawal of funds, the investment of funds, and the transfer of funds denominated in euros to the user’s bank accounts are all free of charge.
  2. In normal circumstances, the platform has a high rate of return on investment.
  3. Amazing feature called liquidity, which makes the whole amount of funds available within a few days.
  4. With the use of automation, Quanloop has removed many of the formerly insurmountable barriers to alternative investment. The investor may select their portfolio and interest rates and then sit back and let the money grow automatically. As a result of the automation and cutting-edge features, investors may manage the portfolio without having to devote their whole working week to doing so.

Cons:

  1. Quanloop’s loan portfolio and its associated partners are not disclosed in any great depth, which is actually common for any kind of platform. They are not disclosing exact borrowers but provide slightly open information about them. However, more openness will be welcomed.
  2. Investors who prefer to select investment projects by themselves may see the absence of manual investing as a con.
  3. The fund provides its services exclusively in European Economic Area (EEA) and works only with European investors. So, unfortunately, non-Europeans can’t invest in it.
  4. It doesn’t give any kind of investment advice, since it’s strictly forbidden by the fund’s policy.
  5. It doesn’t provide any banking features at all.

Conclusion

Quanloop is a new, fresh approach to investment recommendable. Its investors get guidance from its excellent customer service, which is accessible through all the usual means of contact. Quanloop services are limited to investing solely. Its main benefits include commissions for referring new users and free, lightning-fast withdrawals.

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