New Prosper IRA, a peer-to-peer lending marketplace for personal loans and investments, announced that investors seeking consistent and predictable high-yield returns in their retirement accounts can now open a new or rollover IRA at and earn industry-leading 10.46%1 tax deferred returns.

Traditional, Roth, SEP and 401(k) rollovers are eligible for investing in a Prosper IRA. The minimum investment requirement is $5,000. The federal deadline to fund a IRA is Tuesday, April 17, 2012. Prosper will pay your IRA service fees, which are due to your IRA custodian upon account opening, if your Prosper IRA (i) has an initial balance of $5,000 or more in Prosper Notes within two months of opening, and (ii) maintains this balance throughout the year. Prosper will continue to pay your IRA service fees after the first year if (i) your IRA has an invested balance of $10,000 or more in Prosper Notes as of the first business day immediately after the anniversary date of the opening of your account, and (ii) maintains a balance of at least $10,000 in Prosper Notes throughout the year. An annual fee from your IRA custodian applies to accounts that don’t meet these requirements. Prosper reserves the right to modify or discontinue this offer at any time.

The idea of investing in peer-to-peer loans to fund your retirement is interesting but I wouldn’t too large a percentage of my retirement savings in P2P loans. If you would like to open a Prosper IRA or get more information you can click on the affiliate link below.