Investing really doesn’t have to be complicated. Just about any reasonable plan will suffice if you stick with it, save enough money, and give it enough time.
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I've been investing a little money at Lending Club for about 6 months. Although average returns at Lending Club have been lower than Prosper, risk seems to be lower as well. My return so far is an annualized 15.55%. No defaults yet in my 48 loans. Read more here about how to get a higher return than the average.
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