Think1st Fund started 11/22/2022 which is less than a year and it is way too risky even for me. The upside is that it is a monthly DIVI payer but the downside is that the DIVI is not steady but fluctuates all over the place. This is a tough call. As long as the money you have invested is something you can afford to lose it may payoff in the long run. I would watch it like a hawk and drop it if it shows any signs of tanking even more that it has. GLTU GO4AWILDRIDE