What are the main things I need to know about a given p2p investing platform before I start investing?

Here are the key things you should know about a P2P (peer-to-peer) investment platform before you start investing:

●     Reputation and Track Record: Ensure the platform has a good reputation and has been around for a while. Check reviews from other investors and the platform's financial performance. 

 ●    Regulation and Licensing: It's crucial that the platform is regulated or licensed in the country it operates. This can offer additional security for investors. 

●     Risks and Guarantees: Understand the risks associated with investing through the platform, which include credit risk, business risk, liquidity risk, and others. Some platforms offer guarantees or buyback mechanisms in case of defaults, but it's important to know these are not always foolproof.

●     Returns and Yield: Inform yourself about the potential yield the platform offers. Platforms might offer annual returns from 5% to 15%, but higher returns often come with higher risks.

●     Liquidity: Understand how liquidity works for your investments. Some platforms offer a secondary market where you can sell your investment before it matures, while others might have withdrawal restrictions.

●     Auto-Investment: Many platforms provide an auto-invest feature, which can be useful for optimizing returns without the need for constant manual management of your portfolio.

●     Investment Products: Look at the diversity of investment opportunities, such as consumer loans, business loans, real estate investments, etc. Different types of loans can carry different levels of risk and return.

●     Fees and Commissions: Find out if the platform charges fees or commissions from investors for various services. Some platforms don't charge investors, while others might have hidden costs.

●     Support and Customer Service: Good support and customer service are important for resolving any issues or questions. Check if the platform offers reliable customer support.

●     Transparency and Information: Ensure the platform provides clear and transparent information about investments, borrower creditworthiness, and other critical data needed for informed decision-making.

It's advisable to do your own research and possibly consult with a financial advisor before making an investment decision.