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Almost all of my retirement investments are in low-cost equity index funds. Looking for an income source with more diversity (beyond stocks and bonds) in late 2015, I invested $3K at in personal loans. (I actually invest through, which uses my criteria to buy shares of loans as I get payback from borrowers.) $3K allows one to buy $25 shares of 120 loans, which is recommended to reduce risk sufficiently.

So far, this experiment has been a success. My current balance is $3,354.73 and my estimated return is 15.17% (by LendingRobot and 19.7% by Prosper), but that rate will drop as my portfolio of loans ages. I plan to let this experiment run for another 18 months before I decide to commit more money to it.

I do not consider this low risk, but if risk is volatility (beta) then the risk is lower than my S&P500 fund, for example.

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