09-28-2013, 05:14 PM
Nah, you can diversify the heck out of it. You buy shares basically that represent a certain amount of money each and you can spread it around to whatever loan risks you want. They have different classes of loans, with high risk, high returns, and low risk/low return. The site basically states it is very important to keep diversified. So you could go 50% Class A (the safest) 25% Class B, then the rest on high risk stuff.