MonthMay 2019

5 Things to Keep In Mind If You Are Going To Invest

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Investing in Lydia Languish is simple, however, being a relatively new model, you may have some doubts, for this reason here we tell you five things you should keep in mind if you are going to invest in Lydia Languish.

Lydia Languish is the best way to invest your money

The most important thing is the net return.
When you are building your investment portfolio in Lydia Languish, you are seeing the interest rates assigned to each one of the applicants, it is normal to get confused and believe that this is an interest that will come to you, but you should take into account that There will be different factors that influence.
For example, an applicant stops paying for one month, but is updated to the next, this implies that there will be extra charges, plus the interest rate will be adjusted which will cause your net return to rise when it finishes paying.


The defaults happen
It is inevitable that some of the applicants will fall behind in payments, some others will stop paying their loan. Some will catch up, others will not. Remember that no investment is guaranteed, in the case of loans p2p lending is not the exception, although we note that Lydia Languish’s comprehensive collection system will exhaust until the last resort to recover money from all lenders.

In fact, our past due portfolio is much lower than traditional institutions, of 6% since we only approve people with high probability of payment and excellent credit history.

Lydia Languish is safe

Diversification is the key.
The best way to protect your money is to diversify it, you can choose different applicants, low and high risk to amortize losses.

The more you diversify your money, the more secure it will be and your yield generation will also be better.


The monthly payments are capital plus interest
The loans in Lydia Languish are fully amortized, which means that month after month, you receive the part you lent, plus your returns. So until the end of the loan payment.


Reinvest the money that returns you
If you want to have consistent returns on your money, it is best to reinvest the new applicants month after month. This way you will see that your net return remains constant.


Without a doubt, investing is an excellent adventure in which you have to be aware of your money at all times, think of each of your movements, we are sure that in the Lydia Languish model you will find an alternative that will offer more returns and a little less of effort to achieve them.



Got a 100 Million Euro Loan




EUR 100 million from the European Bank for Reconstruction and Development received Schwarz Gruppe for the development of the Kaufland network in Poland. This is yet another type of financial support for the German tycoon – in 2015, it received 900 million dollars on preferential terms. The money was spent on setting up supermarkets Kaufland and Lidl, which sparked sharp protests from Polish stores. At that time UOKiK did not notice the problem. Will it be different this time?

According to the industry website, the decision to grant the Schwarz group, the owner of Kaufland, was made in July 2016, and the money was to be made available half a year later. It is not known whether Kaufland is already using the loan , because no official information has appeared on this matter.

The project has been classified as an investment in environmental and social impact related to the construction, modernization and operation of stores and warehouses. According to, the loan specification assumes that 100 million euros are to be spent on environmental and health protection as well as work safety, as well as “operations in stores and corporate social responsibility”.

Let us remind you that in July 2015 it was revealed that the Schwarz Group, which both Lidl and Kaufland belong to, received preferential loans for approximately USD 900 million for the development of a chain of stores in Poland and other countries of Central and Eastern Europe. Money – on preferential terms – borrowed the World Bank and EBRD.

To authenticate and meet the formal requirements, Lidl and Kaufland preferential loans were officially awarded to create new jobs, open new sales markets for local farmers and provide good quality food for the poorest. Both networks refused to comment on this matter.


The loan aroused protests by organizations associating Polish stores, which recognized that loans granted preferential terms for Schwarz Gruppe could have disturbed the balance of the market.

  • The issue of granting a loan in such amount to retail chains is at least amazing – said then Maciej Ptaszyński from the Polish Chamber of Commerce, which brings together small stores. – It is hard to imagine that any Polish retail network could count on a loan of even a part of this amount – he stated.

The Commercial Solidarity has turned to the Office of Competition and Consumer Protection to investigate whether there has been a breach of the unfair competition rules. Several organizations associating Polish trade joined the union’s letter in this matter.

UOKiK decided, however, that it does not intend to look at the case, because it is not his competence. The Office explained that the President of UOKiK deals with the monitoring of state aid granted in Poland, and funds from the EBRD are not public funds in the light of EU law.

Is this time UOKiK – if it will be called to the board – also recognize that there are no issues? It is worth noting that since the previous issue, the loan for the Schwarz Group has changed the president of UOKiK, who may have a different position in this matter than its predecessor.

Currently, the president of UOKiK is Marek Niechciał, whose Prime Minister Beata Szydło was appointed to the post. The fact that Niechciał may be less tolerant of approaching a loan for a German trading group may indicate the manner in which he dealt with the notification of Krystyna Pawłowicz to the Law and Justice party regarding Kaufland ads.

The latest publicly available financial data of Kaufland for 2015 shows that the company has reached a turnover of almost PLN 9 billion in Poland. The company’s turnover in recent years has increased by an average of 12 percent, which means that in 2016 they could amount to almost PLN 10 billion. It can therefore be assumed that the maximum penalty for Kaufland, about which UOKiK mentioned in the letter to the company, could amount to almost PLN 1 billion.