Here It Is, A Suitable Investment for Millennials and Generation Z, Read it Carefully!

1. More suitable for short-term investments

In contrast to bank loans that repayment can be dozens of years. Whereas in P2P, the longer the loan repayment time, the higher the bills that must be paid to investors.

The P2P platform will be better suited for small loans. In addition to preventing high bills, small loan repayment times are also faster than large loans. 

2. Cannot withdraw money for a moment

The loan repayment period varies. Can be 1 year or 2 years, and so on. That means, the money cannot be withdrawn arbitrarily before the repayment time is up.

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In this case, P2P is like a deposit, where the money can be withdrawn when the due date has arrived. In contrast to savings whose money can be withdrawn or used whenever and wherever you want.  

3. The Risk of Failure to Pay is Quite High

As explained in the sub-advantages, the P2P platform provides loans without collateral. So the risk to run away from responsibility is huge.

Indeed, the P2P platform guarantees your capital. However, the percentage of guarantee provided depends on the grade you choose. 

If you want to be safe, you should choose grade A, which offers a full guarantee. Unfortunately, grade A interest rates are very low, so the profits that investors get are less than optimal. 

Know, Learn, and Understand the Investment Platform You Choose!

All investments offer different benefits. But behind that advantage, there are also losses that must be borne.

Better to recognize, learn, and understand the investment instruments that you will choose, so that the benefits can also be maximized. (*) 

This article is the result of a collaboration between Kompas.com and Cermati.com. The contents of the article are the full responsibility of Cermati.com 

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