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Future for Investors

When it comes to the art of investing, three words tend to come to mind: risky, intimidating and confusing. For everyday Kiwis, investing beyond property, shares and term deposits can seem like a domain that’s reserved for the likes of Donald Trump and Warren Buffet.

This couldn’t be further from the truth. Pioneering the private investment movement, (which is also known as Peer to Peer lending), Zagga exists to break down barriers and make alternative investments simple, secure and accessible.

Of course, the underlying purpose of investments is to turn cash into more cash. But with so many different options to choose from how are everyday New Zealanders supposed to differentiate between the good, the bad and the downright dangerous?

We’re all familiar with investment properties, shares and term deposits. But what if there was another way to invest? An option designed to empower everyday people with secured investments and higher returns? This is where Zagga comes into its own.

Investments for every life stage

All investors fall into a certain life stage category. For example, some investment opportunities are designed to benefit first homebuyers while others work hardest for retirees. The beauty of Zagga is that there’s a fit for every investor. No matter what your life stage, Zagga’s p2p lending model provides a range of loan types and criteria that can help you make your hard-earned cash work harder.

Safe and secured

For example, the latest in-house statistics from Zagga confirm that 87% of retirees cite security as the most important attribute of a financial investment. This is because they’re generally at a stage where they believe their investments need to be low risk. Essentially, they can’t afford to lose money as they don’t have enough time to make it back. With all loans secured against first mortgage on the borrowers real property Zagga offers its investors peace of mind that they’ll see healthy returns and a way of recouping their money if something did happen to go wrong, just like a bank. Furthermore, each loan is carefully assessed by a highly experienced team and, if appropriate, given a credit score and return to match its risk, and all loan information including credit scores and information on the security property are made available for investors to do their due diligence.

Investments tailored to suit your risk appetite

How about the future of grandchildren? While trust funds are a safe and easy way of putting aside money for your little ones, returns can be dismal. Instead, cash savvy grandparents are starting to look to Zagga as an alternative way of supporting their heirs. Whether you want to invest $1000 or $50,000, Zagga fractionalises loans into $1000 amounts which means you can tailor your investment to suit your risk appetite.

An income generator

Investing through Zagga provides a different angle on getting into the property market – rather than investing in bricks and mortar, you own all or part of the mortgage on a property, just like a bank would. Traditionally, investing in property means you’re relying on the greatest returns being generated through capital gains further down the track, dealing with tenancy issues and property expenses in the meantime. Through Zagga, the investment is a fixed term, usually 6 months to 2 years, and interest is paid monthly, meaning investors earn an ongoing income rather than waiting years and betting on property market gains.

Go at it alone and the world of investing can be cold and complex. But with Zagga it doesn’t have to be. Raised for Kiwis by Kiwis, the online p2p lending platform opens new, secured investment opportunities for investors, while simultaneously empowering borrowers with greater access to finance.

Want to know more about how Zagga can help you join the private investment movement and earn higher returns on your savings? Head to https://www.zagga.co.nz/

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