The stock market has historically been hard to beat when it comes to long-term returns. However, there are several reasons why the growing world of alternative lending could be better for long-term investors than the stock market at current levels.

What Is Alternative Lending?

Traditionally, the best way for lenders to gain returns on their cash in fixed income has been to “lend” it to banks or other financial institutions by investing in CDs or other fixed income investments. However, the new trend toward online lending allows lenders to lend directly to borrowers by browsing online databases and hand-picking preferred borrowers.

Rates, terms and risk levels are all determined without the involvement of a traditional bank, and loans are made directly through an online lending platform.

What To Expect From The Stock Market

For decades, investing in the S&P 500 has been…

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