This is the Insured Mana Fund's, an investment fund offering loans insured by @crowlsyong's RISK P2P loan insurance system (see here) and managed by me (@GastonKessler).

Ownership:

90% of this fund is owned by the following shareholders:

@GastonKessler: 200 shares

@4fa: 50 shares

@AlexanderTheGreater: 50 shares

@crowlsyong : 200 shares

@bence : 1200 shares

@ian: 500 shares

@Quroe : 100 shares

@Robincvgr: 1500 shares

@NoAnswer : 50 shares

@Odoacre : 200 shares

@nikki : 5800 shares

@bigd : 50 shares

@strutheo: 100 shares

Total: 10000 shares

The remaining 10% are owned by the fund manager and RISK™:

@GastonKessler :7.5%

RISK®:2.5%

We are no longer selling shares for now, but you may buy some shares from previous shareholders if you can make a deal (at least 50 shares).

Mana raised for the fund through shares at 10 Mana/share: 100000M

through non-redistributed profits: 0M

List of shareholders, the shares they want to sell and the price/share they want to sell them for (comment for your shares to be listed here):

Last sale: 100 shares for 11.25M/share

This fund will pay 75% of it's profits in dividends (paid proportionaly to ownership) at the end of every quarter and reinvest the remaining 25%.

Investors get a say in the decisions of this fund.

[NEW]

Investors can now borrow from this fund at regular interest rates without paying for insurance by using their shares as collateral:

You need to have 1 share for every 7 Mana to be paid back.

The 1000 Mana loan minimum still applies, but the maximum no longer does (as long as you have enough collateral and the fund has enough cash).

Borrowers:

@evan 8636 Mana to ne paid back on May 15th 2026 invested:6000+1260

@Robincvgr 4022 Mana to be paid back on April 25th 2027 invested:3000+540

@evan 3584 Mana to be paid back on April 26th 2027 invested:2000+360

@Robincvgr 4004 Mana to be paid back on April 25th 2027 invested:2500+563

@amitiscool 3333 Mana to be paid back on May 8th 2027 invested:2000+520

@Robincvgr 4004 Mana to be paid back on May 11th 2027 invested:2500+544

The current interest rates for the following time durations are:

1 month: 2%

2 months: 3%

3 months: 4%

6 months: 7%

1 year: 14%

more broadly: 1%+ 1%/month(compounded)

If you want to negotiate the interest rate, please message me!

The insurance premium is taken out of the amount lent, calculate it (using full insurance) using the RISK Credit Score app. (+ 100% coverage fee (21%), we do however a deal reducing both fees by 25%, 2/3 of this reduction is included in your pricing). The interest rate is also applied to the insurance. Any rate at or above 25% probably isn't worth using our system.

The minimal amount of a loan is 1000M.

To qualify for a loan, you need a RISK credit score equal or greater than 550.

For now, the maximum amount to be paid back/user is ~12500M (and 20% of your current net worth) because of the limited size of this fund, but I hope we will be able to increase it soon

Early payment: If you want to pay off your loan early, you will only have to pay TOTAL_AMOUNT_OWED*0.994^FULL_MONTHS_REMAINING

Every number above is subject to change and only represents the current values.

Other information:

Realized profits: 0M

Redistributed profits:0M

Reinvested profits: 0M

• Update 2025-05-01 (PST) (AI summary of creator comment): Contingency Plan for Creator Account Loss:

  • In the event that the creator (@GastonKessler) loses control of their account and no legitimate successor can take over the manager role, the creator has requested that Manifold moderators handle the fund's assets.

  • Funds are to be transferred according to a majority vote of the listed investors, with voting power proportional to ownership percentage.

  • Moderators retain the right to veto a transfer decision if they deem it illegitimate or believe it could result in investors losing their share of the fund.

  • In this scenario, all shares belonging to @GastonKessler would be removed/forfeited.

  • This plan does not cover contingencies related to the @crowlsyong account.

  (The 2025-05-01 AI summary is valid and approved by me, @GastonKessler)

• Update 2025-05-01 (PST) (AI summary of creator comment): * The fund does not plan to buy back shares.

  • Shares can be sold directly to other users (peer-to-peer).

  • To facilitate management of the shareholder list, shares must be sold in batches of at least 50 shares at a time.

  (This 2025-05-01 AI summary is valid and approved by me, @GastonKessler)

• Update 2025-05-06 (PST) (AI summary of creator comment): Regarding RISK's holdings in the fund, the creator has clarified the following:

  • RISK (the entity) holds 2000 (this amount could vary) shares.RISK also has a 2.5% management share. This management share has the following characteristics:

  • It cannot be diluted.

  • It cannot be sold.

  • It is directly tied to the 25% insurance fee discount that the IMF (Insured Mana Fund) receives.

• Update 2025-05-12 (PST) (AI summary of creator comment): The creator has stated that certain loan term options have been removed:

  • The 18-month loan option is no longer available.

  • The 2-year loan option is no longer available.

• Update 2025-05-14 (PST) (AI summary of creator comment): Interest rates have been slightly reduced. This adjustment is to compen

• Update 2025-05-18 (PST) (AI summary of creator comment): The fund's policy on share buybacks has been updated. Previously, an AI summary (approved by the creator) stated the fund did not plan to buy back shares. The creator has now clarified that share buybacks may be considered under two specific conditions:

  • As an alternative to dividends for distributing profits attributable to the 90% general shareholder ownership, if investors broadly prefer this method.

  • If a major issue prevents the fund from functioning as intended.