How to make up to 15 times better return than with a bank deposit?

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More and more people are discovering their way to investment opportunities. The aim of investing is to save enough now to ensure a more enjoyable life in the future. Different investment opportunities offer various returns from investment. While the rate of return from deposit has decreased considerably since 2008, there are some new players on the market, such as Quanloop, offering a significantly better rate of return.

The average APR of an overnight deposit in Europe in 2020 is 0.02%. That is almost 99% less than back in 2008. Money deposited to a bank makes roughly 0.2% p.a. this year, which is nearly 96% less than it was back in 2008. Alternative markets offer over 10% return. Quanloop can run safely up to 15.7%.

Investing has not traditionally been open to everyone
Most of the world’s population has barely ever invested in financial assets or markets. They are stopped by hurdles such as an inability to save enough, lack of financial literacy, and a variety of crises, both natural and manmade. But these are the people who could benefit the most from investments; investments which would help them survive inflation, raise their standard of life and protect them during periods of chaos.

Barrier #1 – poverty
The overall economic environment determines your ability to generate wealth. Around 52% of American adults invest in stock markets in contrast to only 2% of Indians. The average person in India has a substantially lower income than someone living in the US or the UK, so it can be challenging to put any money aside for investment.

Barrier #2 – financial education
Without adequate education in financial literacy, people can’t utilise the benefits of investing. Around 3.5 billion adults lack an understanding of basic concepts such as numeracy, inflation, compound interest, and risk diversification.

Barrier #3 – crises
If your local economy is in freefall, it’s near impossible to become a successful investor. For example, people living in Venezuela only had access to the worst-performing stock markets in 2018 – with prices declining by 94.89%. Even if they invested in foreign stock markets, the price for American stocks such as Amazon or Google would have been too high. It would entail a multitude of additional costs from currency conversion fees to brokerage commissions.

Investment loop may be the answer
By using new methods such as investment loops, people all over the world could eliminate additional fees and start making returns without having to accumulate any specific knowledge of financial concepts. These investment loops were first devised by Quanloop, a new start-up fund operating from Estonia (EU).

What is Quanloop?
Quanloop is an investment fund with a unique business model. It borrows small sums from investors for only 24h by signing a myriad of tiny-principal agreements, each of €1 value, which is also the minimum amount. The short-term tiny-principal loans are pooled into more significant sums and then further lent to Quanloop partners, who are professional leasing and factoring enterprises. Quanloop investors compete with each other; if your interest rate is lower than that proposed by another investor, your money will be prioritised.

Quanloop founder
The idea of Quanloop came from Valentin Ivanov, a seasoned CEO and a recognised financial expert with knowledge in business operations, financials, and information technology. He reinvented the refinancing model by designing a concept of short-term investment loops for continuous capital sourcing for only 24h. Valentin has previously been the advisor and fund manager to a list of well-known professional and retail investors as well as participated in different international IT and Fintech projects.

Cash in hand
Return on your investment is always paid out on the 15th day of the coming month. The minimum performance from allocating all your funds under the highly secured low-risk plan is 5.5%, which is still much higher than what banks can offer in the current climate. With a mixture of low-, medium-, and high-risk plans, you can ensure a return as high as 15.7% per annum.