How to split money across platforms without fooling yourself
Spreading across a hundred loans on one platform is not diversification. If that platform stops paying, all hundred stop together. This lays out three stances and what each one costs in return terms.
Why the platform count matters more than the loan count
In spring 2020 several European platforms went down within weeks of each other. Investors on them had spread across hundreds of loans and it made no difference, because the thing that failed was not the borrowers. Platform failure takes the whole position at once, and the only defence against it is holding more than one platform.
| Stance | Platforms | Target band | What you are accepting |
|---|---|---|---|
| Careful | 2 | 7 to 9% | Licensed names only. Lower rate, and you still carry full credit risk on the loans |
| Balanced | 4 | 9 to 11% | Mostly licensed with one higher-yield position sized for total loss |
| Yield-led | 6 | 11 to 14% | Several unlicensed or thinly supervised names. More platforms is the only thing making this survivable |
How to actually place it
- Start smaller than the calculator says. Put a fraction in and watch one full repayment cycle.
- Turn on auto-invest with moderate settings rather than maximum rate, so cash does not sit idle.
- Give it a quarter. Check whether repayments arrive on time and whether the platform says anything useful when a loan goes late.
- Add money to whichever platform behaved better. Do not add to the one paying most.
Where Maclear fits in a mix
Maclear sits in the higher-yield slice, not the base. It reports its returns accurately and has covered its one default in full, and it operates without a compensation scheme, so it belongs beside licensed platforms rather than instead of them. See how all 19 score.
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This is a simulation. No real money is invested and these are not personal recommendations. Target bands are editorial estimates built from platform disclosures, not promises, and tax is not modelled.