How Do I Invest?
It’s simple to invest in BTCjam. Here are a few tips that investors should consider before getting started.
There are many loans available on the platform, with varying credit scores, and varying interest rates. Naturally, the loans with lower credit scores have higher interest rates.
Diversification is the Key
The key to investing on BTCjam is to diversify your portfolio by investing in many loans. Diversifying helps protect your portfolio from individual defaults. Additionally, diversifying across safer investments with lower interest rates, and riskier investments with higher rates can potentially provide a solid rate of return without the pitfalls of putting all your eggs into a single basket.
Opportunity to Communicate
If you are investing in individual loans, it is a good practice to maintain communication with the borrower.
When viewing a loan you don’t have to be a silent witness, you can participate and ask your own questions before choosing to invest or even during the repayment period.
What is Net Annualized Return (NAR)?
Net Annualized Return (NAR) is an annualized measure of the rate of return on the principal invested over the life of an investment. It reflects the funds actually received each month.
You are able to see your Net Annualized Return (NAR) on the investments page. BTCjam’s NAR rating also separates your investments into categories based upon whether the loans you invested in were Bitcoin loans or Coindesk linked loans. In addition to your NAR, you can track Amounts Received, and Amounts Invested on the Investments tab of the Dashboard.
See the Loan Details of Your Investments
At the bottom of the Investments tab you can see the current status of your loans. Amount Remaining, Loan Status and Initiation Date are all available for you in a simple and easy to use table view. Keep track of all your BTCjam loans with the Investments tab. If a loan is not fully funded or is deleted for any reason the investment amount will be returned to the investor in full.
What are the rates and fees associated with investing on BTCjam?On BTCjam we do not charge any fees for investors.