Filter investing is great, but it also takes time and has some downsides. It used to be that simply filtering out loans that didn’t have 0 inquiries in the last 6 months yielded much higher returns. This still may be true to an extent, but filtering on any one criteria is like chasing a moving target. Lending Club and Prosper have the data just like we do and they do their best to set rates appropriately. There is no doubt that they will continue to do better over time. So what if you could invest based on machine learning which adjusts over time? Enter PeerToPeerQuant. [Read more…]