Based on what I understand, traditionally we are supposed to put 70% money in stocks and 30% money in bonds (based on individual age, I am 33 right now).
I have been experimenting on P2P lending and robo investing and I think there is a space for both of them within our financial plan. Here is my break down
20% p2p - ( I have been getting 8-9% return a year from Lending Club) 20% Bonds (min return) 20% RoboInvesting (wealthfront - about 5% return in 6 month) 40% stocks based on personal research in good companies for long term
Does the 20% in p2p and 20% in robo investment seems ok to you ?