In the past, banks were traditionally the central point of contact for people who wanted to save or invest their money. To a large extent, this is still the case today. Banks offer a range of products and services, including checking accounts, savings accounts, loans, and mortgages.
However, in recent years new opportunities for investing and managing money have emerged. One of these is peer-to-peer lending, also known as crowdlending. In peer-to-peer lending, private individuals or companies directly finance other private individuals or companies.
Cashare is a Swiss peer-to-peer lending platform that allows private and institutional investors to build their own investment portfolios. Investors, also known as the crowd, can choose from a wide variety of projects on Cashare. This empowers them to make decisions that were previously made for them by their bank or investment advisor.
Of course, there were advantages to leaving the choice of investment options to someone else. Banks profited from the perceived lack of knowledge among those willing to invest and from the complexity of the investment landscape—the proverbial "not being able to see the forest for the trees." They held a dominant position and controlled the investment process. With the establishment of various self-investment platforms, including the pioneering and first crowdlending platform in Switzerland, independent investing suddenly came into focus. For investors, these platforms offer intuitive operation, simple presentation, clarity, and a top-notch support team, making investing incredibly easy, allowing them—metaphorically speaking—to be their own bank.
Restrictive regulations imposed by banks? Not a chance!
In summary, Cashare offers a number of advantages over traditional banks. These include:
Investors can create their own investment portfolio with us and choose the projects they want to invest in. This offers more flexibility than traditional banks, which are often tied to their own products or offer only a limited selection of investment products and therefore don't always have the best offers. Crowdlending provides access to a wide range of loan and investment opportunities from various providers, offering a broader selection and potentially better returns of up to 10% per annum. At Cashare, investors can make and manage their investments online. This saves time and avoids time-consuming and bureaucratic bank appointments.
More transparency and choices
We offer investors greater transparency and choice than traditional banks. For example, investors are provided with comprehensive information about the projects they wish to invest in. This includes information about the borrower, loan amount, term, and interest rate. Furthermore, the platform allows investors to choose from a wide variety of projects. This enables investors to tailor their investment portfolio to their individual risk preferences and investment goals.
Self-determination: I'll do my own thing!
More autonomy for our investors than traditional banks. With us, investors are in control of their own investment strategy. They can decide for themselves which projects they want to invest in and how much they want to invest.
In addition to the advantages mentioned above, we offer further benefits, including:
- Security: We have a number of security measures in place to protect investors' money. These include credit checks and insurance against loan defaults.
- Costs: The costs for using this service are generally lower than the fees charged by traditional banks.
- Convenience: We are operable online and offer investors the opportunity to manage their investments anytime and from anywhere.
Conclusion
Cashare has been a thoroughly innovative P2P lending platform since 2008, offering private and institutional investors the unique opportunity to be their own bank. The company provides greater flexibility, significantly higher returns, more transparency and choice, and greater autonomy than traditional banks.
If you appreciate these qualities and want to try your hand at investing, now is the perfect opportunity. Register as an investor in just a few steps and make your first investment today!
Warm regards
Sabine Borter
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