First of all, I'm sure there are many threads on this already, but with the forum's search function still broken, here I am.
I currently have a lot invested in the market, both etfs and individual stocks, but still have about 10k liquid left to put somewhere. With the market being what it is, I'm looking for some better options. Anyone experienced with using Prosper or similar p2pl platforms? I'm specifically interested in hearing about negative experiences, since what I've read online so far makes it sound too good to be true.
My idea is to skip finding my existing IRA in 2016 and put that 5.5k in a prosper account, since I did read that the taxes rate on earnings is steep.