Markets, Gold, Crypto & FDs Down: Can You Still Earn 19% RETURNS? | Bhavin Patel | FWS

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Download 1% Club App Now!https://app.onepc.io/?c=fws-yt-vidBhavin Patel is the Co-Founder and CEO of LenDenClub, India's largest RBI-regulated peer-to-peer lending platform, which he co-founded in 2015. With over a decade of experience in financial services spanning lending, credit automation, and fintech entrepreneurship, Bhavin has built LenDenClub from a seed-stage startup into a platform targeting 100 crore in operating profitability before pursuing an IPO. He and his co-founder have been recognised in Businessworld's BW Disrupt 40 Under 40 list.In this episode, Bhavin unpacks how wealthy investors think about portfolio construction differently from retail investors, why delegating money management leads to better outcomes, and how P2P lending fits into a diversified asset allocation strategy alongside equity, debt, and gold. He also walks through how LenDenClub's borrower screening process works, how default risk is managed through diversification across thousands of loans, and why India's regulatory framework makes its P2P model far more resilient than the models that collapsed in China.Timestamps: 00:00:00 - Introduction 00:01:46 - How the Wealthy Actually Manage Their Money 00:05:04 - The Zomato Bet: A Lesson in Risk-Taking 00:06:16 - What Separates the Rich from the Middle Class Trap 00:07:22 - How Employees Can Build Wealth 00:08:32 - The 3G Capital Model 00:11:09 - What Is P2P Lending and How Does It Work 00:15:51 - Why Diversification Across Borrowers Protects Your Returns 00:18:32 - Could India's P2P Model Become the Next UPI 00:18:48 - Why P2P Lending Should Not Replace Your Entire Portfolio 00:21:41 - Kunal Shah and the Inspiration of Indian Entrepreneurship 00:23:49 - Lenden Club's Funding Journey and Current Valuation 00:24:41 - Plans for an IPO and the 100 Crore Profitability Benchmark 00:25:46 - Closing Advice: Think Like the Rich, Act Without Fear Guest LinkedIn: https://in.linkedin.com/in/bhavinpatel2022 Guest Instagram: https://www.instagram.com/unfilteredfounder/ Guest Twitter/X: https://x.