Why Discipline Beats Intelligence in Investing
Markets reward disciplined investing, not raw intelligence. Why consistent behaviour, predefined rules, and low activity outperform clever timing over the long run.
Blog Maclear
Professional investment insights, market trends and practical investment guides for exploring investment opportunities.
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Explore investment basics, P2P lending, crowdlending and alternative investments through clear, risk-aware educational content.
Latest Blog Posts
Practical guides for investors researching business lending, alternative assets and long-term investment planning.
Active vs Passive Investing: Key Differences Explained
Two of the most discussed methods of participating as an investor is going hard core as a specialized active investor or just helping to build the market long-term passively. Here we explain what these refer to, their benefits, and some options for practicing them.
How Inflation Impacts Long-Term Wealth
Inflation is about more than just your everyday expenses climbing. It happens on a much bigger scale with many governments just pumping out new bills like it’s going out of style, resulting in hard cash being worth less and less. Read some ways to turn time to your advantage.
Maclear's Long View: Short-Term Investment
Most of the lending opportunities participants are used to demand a massive commitment and don’t fully provide returns for years. Maclear’s business model, meanwhile, entails a time-tested system focused on short-term returns under a very secure environment.
Inside Maclear's Growth: Understanding Our Statistics and Monthly Snapshots Pages
Investors always want to know as much as they can about a company’s financials, its overall performance, and which direction it’s trended in recently. That’s why Maclear provides all of this information on two dedicated pages. Here, we detail which information is posted and where.
Why Tech Firms Deliberately Remain Unprofitable
For many people, it’s quite a puzzling phenomenon. Why do so many of the most successful companies on Earth not make a profit? There is a method to the madness. To some companies and their financiers, there are goals and strategies bigger than short-term profits.
Why Comparing Past Financials with Future Projections Can Be Misleading
When considering investing in a project, the numbers are one of the first things to ask. However, the test of time can completely reframe past financials, since they can completely lose sight of cyclical phenomena and planned events, thereby clouding accurate perception of a company.
How Maclear Embodies Swiss Tradition and Innovation
Switzerland maintains a proud tradition of fueling capital to worthy projects and causes in innovative ways. Now that lending has gone digital and global, Maclear carries on that torch in providing loans to robust businesses worldwide where credit gaps persist.
Maclear’s International Team: How Global Talent and Experience Helps Bolster the Platform
Global corporations, in particular tech firms, have recently demonstrated a clear move in favor of building international teams and outsourcing. This offers a great many competitive advantages and, thus, is the model Maclear has opted for. Read to learn why.
Maclear Investor Update: March 2026 Highlights
This report presents an overview of Maclear’s platform performance for March 2026, covering key metrics related to investor activity, capital inflows, project funding, and repayments.
P2P Lending Risks: A Complete Framework for Investors
P2P lending risks include borrower default, platform, liquidity, regulatory, concentration and macroeconomic risk. Capital is at risk and returns are not guaranteed.
P2P Lending in Switzerland 2026 — Regulation & Tax
P2P lending in Switzerland works under SRO membership overseen by FINMA. Investors report tax themselves, funds are held temporarily, and returns are not guaranteed.
Borrower Interview: Investstroy 3000 EOOD - From Small Renovations to €2.3M in Revenue
At Maclear, we want investors not only to see a credit rating, but also to understand who is actually borrowing their money - the project on the other side of the platform you’re helping. In this interview, we spoke with founder and CEO Ognyan Georgiev Zdravkov.
Why Switzerland is the Class of Global Crowdlending
Switzerland is incredibly vigilant and thorough when it comes to eliminating consumer and lender rights abuses, cybercrime, and money laundering. This has rendered it one of the world leaders in crowdlending, operating at or above the level of any other country.
Bankruptcy Law for Swiss Crowdlenders
Some people are concerned about safeguards in using digital platforms to pursue global crowdlending opportunities and the risk that goes along with that. Here, we break down the broad variety of ways Switzerland guarantees financiers’ rights.
Borrower Interview: JINTEKI Ltd. — How Financing Unlocked the Next Stage of Growth
We spoke with CEO Toma Tomov on how disciplined production, predictable planning, and capacity upgrades turn demand into sustainable growth.
Maclear's Annual Inspections by the PolyReg Self-Regulatory Organization: Far Beyond Anti-Money Laundering
FINMA and Switzerland's self-regulatory organizations are among the most rigorous in the world, reinforcing the wide range of measures Maclear already employs to boost investor confidence and security. Read more about Maclear's membership in the PolyReg SRO.
Account Segregation for Crowdlending Investor Protection under Swiss Law
Sometimes, financiers who are new to the digital sphere are leery about issuing capital online through outfits they don’t see face-to-face. Here we detail why Switzerland’s robust legal system ensures stakeholders dealing with SRO-listed members are safe.
Maclear Investor Update: February 2026 Highlights
This report outlines Maclear’s platform activity for February 2026, covering investor participation, capital inflows, project funding, and repayments across the portfolio.
The Benefits of Maclear’s Continuous Auditing for Investors
It’s always prudent to vet any digital platform before dealing with one, especially when performing financial transactions. Read here about the Swiss standards that PolyReg holds Maclear to, as well as its own independent principles, resulting in the utmost in security for its investors.
Maclear Investor Update: 2025 in Numbers
€52.8M invested, 720% investor growth: Maclear's 2025 performance. Explore annual metrics, 886 funded projects, and expansion to 72 countries worldwide.
Maclear Investor Update: January 2026 Highlights
This report provides an overview of Maclear’s platform activity and performance in January 2026, highlighting investor participation, capital inflows, investment deployment, and repayments across the portfolio.
Maclear Business Model, Regulation and Transparency Facts
Overview of Maclear’s Swiss structure and regulatory compliance. Details on financial reporting, risk management, and the methodology for collateral valuation.
Loan-to-Value & Collateral – How Secured Crowdlending Protects Investors
What loan-to-value means in crowdlending, how collateral and the recovery process work, and why secured lending lowers but does not remove risk.
Frequently Asked Questions
Crowdlending, also called P2P crowdlending or peer lending, is a form of lending crowdfunding where investors fund loans to businesses or individual borrowers through an online platform.
Crowdfunding is a broad term that can include donations, rewards, equity crowdfunding and crowdfunding investment models. Crowdlending focuses on lending money with expected repayment and interest terms.
There is no single best way to invest money. How to invest money, where to invest money and how to start investing depend on your objectives, time horizon, risk tolerance and financial planning needs.
P2P lending may provide scheduled interest payments, which some investors consider a form of potential passive income. However, passive income investments still carry borrower, liquidity and capital-loss risk.
Crowdlending may involve scheduled interest payments, but it should not be treated as fixed income securities or guaranteed fixed income products. Returns, payment timing and capital recovery can vary by project.
No P2P platform, peer-to-peer lending platform or crowdfunding platform is risk-free. Low risk investing still involves trade-offs, and investors should assess diversification, borrower quality and liquidity carefully.
Crowdlending, also called P2P crowdlending or peer lending, is a form of lending crowdfunding where investors fund loans to businesses or individual borrowers through an online platform.
Crowdfunding is a broad term that can include donations, rewards, equity crowdfunding and crowdfunding investment models. Crowdlending focuses on lending money with expected repayment and interest terms.
There is no single best way to invest money. How to invest money, where to invest money and how to start investing depend on your objectives, time horizon, risk tolerance and financial planning needs.
P2P lending may provide scheduled interest payments, which some investors consider a form of potential passive income. However, passive income investments still carry borrower, liquidity and capital-loss risk.
Crowdlending may involve scheduled interest payments, but it should not be treated as fixed income securities or guaranteed fixed income products. Returns, payment timing and capital recovery can vary by project.
No P2P platform, peer-to-peer lending platform or crowdfunding platform is risk-free. Low risk investing still involves trade-offs, and investors should assess diversification, borrower quality and liquidity carefully.
