In 2023, I expect interest rates to be higher as the US Fed will normalise interest rates after keeping them at zero for over 10 years. When interest rates are higher, it is better to invest in P2P loans and high-quality bonds. I expect inflation to be normalised too, around 2%, so I expect returns to be above 7% on average. Comfortable returns of 8-10% are possible with value investment by buying shares at 20-30% discounts to intrinsic value.
https://youtu.be/eZS_1mcjyvg
Furthermore, I expect there will be more investment choices available like the following: the cryptocurrencies market, more Initial Coin Offerings (ICOs), ride hailing companies like BlaBlaCar.















