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It's a crowd sourced lending system that you as a investor can decide on your own risk category. You pick the type of person you lend to.
Borrower's are graded A1 through G5 with A1 being the best but lowest APR roughly 7.68% verses G5's at 24.8% …
I own SFGIX/GICAX for a good foreign spread & MSMLX for the pure EM play (65%).
I like this spread a bit better than a single world stock, but then I'm into the mid/small value range since the rest of my port is in mid/large growth.
I agree
SFGIX - very diversified large-cap Asia-Dev (28%) , Latain America (16%), Asia-EM (33%), Europe-EM (15%).
MSMLX - mid-cap Asia-EM (65%), Asia-Dev (34%)
DGS (ETF 70% mid-cap, 30% small-cap) mostly Asia 64%
are all better choices in my opin…