如何分散你的投资：按资产、地域与平台
如何跨资产类别、地域与行业分散投资——以及 P2P 借贷如何在不消除风险的前提下融入均衡的投资组合。
马克利尔博客
专业投资见解、市场趋势及实用投资指南，助您发掘投资机会。
博客分类
通过清晰、注重风险的教育内容，探索投资基础知识、P2P借贷、众筹借贷及另类投资。
最新博客文章
为投资者提供实用指南，帮助研究商业贷款、另类资产及长期投资规划。
流动性详解：它是什么、为何重要，以及如何规划
什么是金融流动性——你到底需要多少？了解资产如何从现金到私募股权构成一条流动性光谱，如何按用途为投资组合分层，以及结构化众筹借贷在其中扮演的角色。
债券入门指南
本指南将讲清楚债券如何运作、不同类型债券各自提供什么、如何读懂收益率指标——以及现代私募信贷如何将“类债券”收益扩展到公开市场之外。
如何从零开始建立被动收入
Discover how to build passive income from scratch, even without a big budget or financial background. Learn practical steps, smart investment tips, and how platforms like 8lends make it easier than ever.
通过股息股票创造被动收入
Curious about earning passive income without working around the clock? This beginner-friendly guide breaks down how dividend stocks can help you grow steady income over time, even if you’re not a finance expert.
塑造 2030 年的 P2P 借贷市场
Explore how P2P lending will transform by 2030. From trillion-dollar market growth and real-world assets to AI, blockchain, green finance, and portfolio strategies—discover key trends shaping the future of peer-to-peer investing.
滚雪球效应：收益再投资如何加速财富积累
Learn about the snowball effect that happens when you continually reinvest your income. Discover practical strategies like DRIPs and auto-transfers to grow your money faster with compound interest.
投资人工智能、机器人与自动化：须知事项
Learn how to cash in on the AI world with this overview. Discover top investment opportunities, ETF options, risk management strategies, and expert tips for building wealth in the fastest-growing tech sectors of 2025.
SkyWard Robotics OÜ: Elevating Wood Processing Efficiency with Robotic Automation
SkyWard Robotics OÜ leverages advanced robotic technology to revolutionize wood processing, targeting European furniture market with sustainable, efficient production methods.
创造多种收入来源的 10 个最佳思路
Discover 10 powerful ideas to create multiple income streams – from side hustles and digital products to investing and affiliate marketing. Start building financial stability today.
被动收入中“一劳永逸”的误区
There exists a popular myth that passive income allows entrepreneurs to be totally passive and the money flows all on its own. We break down why people perpetuate it, the efforts each method requires, and why to still pursue it.
初学者投资：2025 年分步指南
Excited to make your first investments, but don’t know where to start? In our step-by-step guide, we walk you through the preparation process at a comfortable pace to have you well on your way to making smart investments.
AHAU OOD（第 1 阶段）已全额还款
AHAU OOD has fully repaid €200,039.39 from Stage 1 funding. The CBD company is poised for further growth. More opportunities coming soon.
年轻时投资：从何开始？
Just reached adulthood but already focused on how to start investing? In this piece, we provide you an introduction to the options you have right out the gate, how they make you money, and other types of assets you should know about.
现在如何投资 1000 欧元、5000 欧元、10000 欧元、20000 欧元或 50000 欧元
Interested to learn the best investment options you have for your bank account? In our article, we introduce you to some of the shrewdest opportunities you have for budgets big and small.
Maclear 将所有存款业务转移至 Narvi Bank
Maclear now processes all deposits exclusively through Narvi Bank. Learn why this change improves security, speed, and transparency for our users.
Our short-term development Plans
Platform enhancement includes secondary market feature, risk summaries, comprehensive audit, and ambitious goal to list 20 SMEs by year-end.
GV 13 第 3 阶段已全额还款
The third stage of GV 13 has been repaid in full after 12 months at 14% annual interest. €150,000 returned to 213 investors on time. Congratulations to all participants!
新借款人评分系统
Maclear AG introduces a new borrower scoring system using AAA to D investment grade ratings to enhance risk assessment, transparency, and investor safety.
中小企业贷款：您需要了解的事项
Get clued up on the key factors of SME lending, why it is crucial in a growing economy, and how it is being limited in this essential guide for investors.
另类投资平台：类型、风险以及如何比较
另类投资的主要类型——P2P 借贷、房地产众筹与股权众筹、私募债权、REITs——按参与方式、流动性和风险进行比较。
投资类型详解：2026 完整指南
一份清晰的指南，介绍主要的投资类型——股票、债券、现金以及 P2P 借贷等另类投资——并就风险、回报与流动性加以比较。
为什么 P2P 借贷中的高收益并不总是意味着高风险
Learn why high returns in P2P lending aren’t always tied to high risk. Explore smart strategies like diversification, secured loans, and risk assessment tools.
P2P 借贷的多元化：通过多项贷款构建平衡的投资组合
Learn about how you can minimize your risk and hike up your returns through P2P lending by diversifying your portfolio across multiple loans. In this piece, we cover proven strategies and common mistakes.
常见问题
众筹借贷，也称为P2P众筹借贷或点对点借贷，是一种借贷众筹形式，投资者通过在线平台为企业或个人借款人提供贷款。
众筹是一个广义术语，可以包括捐赠、奖励、股权众筹和众筹投资模式。众贷则专注于借出资金，并期望获得还款和利息。
没有一种单一的最佳投资方式。如何投资、投资在哪里以及如何开始投资，取决于你的目标、投资期限、风险承受能力和财务规划需求。
P2P借贷可能会提供定期利息支付，一些投资者将其视为潜在被动收入的一种形式。然而，被动收入投资仍然存在借款人风险、流动性风险和资本损失风险。
众筹借贷可能涉及定期利息支付，但不应被视为固定收益证券或有保证的固定收益产品。回报、付款时间和本金回收可能因项目而异。
没有任何P2P平台、点对点借贷平台或众筹平台是没有风险的。低风险投资仍然涉及权衡，投资者应仔细评估多元化、借款人质量和流动性。
众筹借贷，也称为P2P众筹借贷或点对点借贷，是一种借贷众筹形式，投资者通过在线平台为企业或个人借款人提供贷款。
众筹是一个广义术语，可以包括捐赠、奖励、股权众筹和众筹投资模式。众贷则专注于借出资金，并有预期的还款和利息条款。
没有一种单一的最佳投资方式。如何投资、投资在哪里以及如何开始投资，取决于你的目标、时间跨度、风险承受能力和财务规划需求。
P2P借贷可能会提供定期利息支付，一些投资者将其视为潜在被动收入的一种形式。然而，被动收入投资仍然存在借款人风险、流动性风险和资本损失风险。
众筹借贷可能涉及定期利息支付，但不应被视为固定收益证券或有保证的固定收益产品。回报、付款时间和本金回收会因项目而异。
没有任何P2P平台、点对点借贷平台或众筹平台是无风险的。低风险投资仍然涉及权衡，投资者应仔细评估多元化、借款人质量和流动性。
