What's your view on WintWealth?

I'm a part of Infinyte Club which is an online platform for investing in startups and also helps with ESOP liquidity, just today they announced that they have gotten an allocation of 75L in Winter Wealth and their users can invest in it and this got subscribed in under two hours. This makes me think: 1. With investors like eight roads on the cap table why are they going to syndicates like Infinyte to raise funds? I would view this as something negative since this is too small an allocation, does this mean that they are unable to raise? 2. Which fools are angel investing at a startup which is valued around $80M (valuation based on the terms given by Infinyte). I understand it's a popular Fintech but you gotta be stupid to invest at this valuation. Thoughts?

Hello everyone, I'm Sandeep, the co-founder of Dezerv. We're an investment management platform helping affluent Indians invest better. Prior to Dezerv, I was a Sr. Managing Partner & Head of IIFL-One, and in all have over 15 years of experience within wealth management. Would be keen to answer questions about Portfolio Management Services (PMS), Mutual Funds, Wealth-tech as a space, investment management, entrepreneurship, and more. I'll be back at 5 pm and start answering away!

I’ll go first. 1. What kind of investor are you? I am an opportunity investor, and I do buy good stocks whenever they are in reasonable valuations. Below are my monthly numbers. 2. Where’s the majority of your investment portfolio ? I have three RE investments and one of them has loan. And I’m planning to buy a property in Goa or HP. 3. What’s your monthly investment breakdown? 1.7L/ Month (approx) 60k - SIP (mutual funds) 60k - stocks (smallcase, us stocks using vested) 30k - as opportunity fund, this is transferred to a different bank account 10-20k - for experimental investments in crypto, nfts, and some trading. This is a new segment and I don’t have much experience in this and that’s why starting small here. 4. Anything else you want to share? I am learning to invest on a daily basis. Reading, videos and podcasts are my sources. Some of my tops picks are Whiteboard finance (Marko), My first Million and Smart Passive Income, finance with Saran, and Akshat Shrivastava.

I am thinking to invest around 1lakh on a p2p lending platform with secure interest rate thoughts about 12% club

Bank FDs don’t go beyond 8% for a year and then we pay a good amount of tax on this. Are there any better avenues to invest for short term? (up to a year).