Investment strategies after epidemic: expert

According to Eryk Lipski, president of CROWDY SA, the time of the epidemic raises anxiety in us and it is natural that in the first impulse we have frozen all, or at least a significant majority of our activity. This also applied to investments.

Now we are slowly coming back to action, but our money lying on accounts "do not work" in any way and basically lose their value. So let's look for interesting solutions and "let work" our capital, which will pay off in a short time.

"There are also opportunities in crises. We look at many things from a different angle. New areas, services and products are emerging. It is natural that our risk appetite decreases during a crisis. We are looking for safer investments with a certain rate of return," Lipski notes.

In his opinion, diversification is important. We invest in more enterprises, but with smaller amounts. If one of the investments fails, we will lose only part of what we have invested. Secondly, it is worth investing in local projects, i.e. close to us. No investments at the other end of the world. It's easier to check their credibility, their security and finally success.

"An interesting solution may be debt crowdfunding, which assumes a return of capital after a period of 2-3 years along with a fixed interest rate predetermined, usually payable quarterly. A potential investor, after making a quiet analysis, can invest his capital in short-term secured loans. Through investing, he builds his own loan portfolio of small sums, which allows him to regularly earn interest on loans granted," adds the expert.

There are platforms in Poland that directly associate those who seek funding for the implementation of their projects with those who want to invest. By using such a platform in one place, we can invest in various projects.