P2P Early High Yields & Strategic Exit

Preparation

1. Gather a large capital pool (e.g., stock market profits or real estate equity).
2. Select top-tier P2P platforms with state-backed guarantees, VC funding, or massive offline presence (e.g., Lufax, Hongling Capital, and briefly Ezubao).

Execution Steps

1. 2014 to mid-2015 is the golden honeymoon phase of P2P. To capture deposits, platforms offer "newbie bonuses," "flash tasks," and cashback rewards that push actual annualized yields past 20%.
2. Diversify strictly. Spread capital across the top 20 platforms, locking into short-term (1 to 3 month) lending contracts only.
3. Snowball the returns. Continuously harvest registration and referral bonuses across platforms to aggressively compound your principal.

Exit Strategy

1. The Death Escape: By late 2015, a slowing macro economy and the June A-share crash cause massive defaults. The Ponzi mechanisms begin to fracture.
2. October 2015 is your absolute hard stop. Reject all persuasive calls from platform sales reps offering "end-of-year special high-yield VIP contracts."
3. Withdraw every single penny to your bank accounts. In December 2015, the giant "Ezubao" ($7.6 billion scheme) is raided by police, triggering an apocalyptic wave of P2P collapses that ruins millions of families. Escaping in October leaves you perfectly unscathed with massive profits.