Passive income or growth? ?

20 is for growth only.  Dividends are for old people.  You need a Roth IRA that lets you put every dime in an etf called SPY.  SPY is the S&P500 and has had an average annual growth after taxes of 12.6 % since 1978.  No investment in the world even comes close.  If you put $15,000 in a Roth tomorrow and add $400 every month, you will be a millionaire at age 45.

What makes dividend paying stocks is reinvesting the dividends over years. But ANY dividend over 9% I would seriously question and anyone that offers 33% is a crook, someone is playing with the books. 

The problem with growth stocks is that high growth rates cannot be consistently sustained in the long term and profitability gets overlooked. Anything that offers a 33% return is likely a scam. Dividend stocks is all about reinvesting the dividends.      

Growth.  

You got passive income of about 6% (taxable!) when the Dow returned 7.25%, S&P 500 returned 16% and the Nasdaq returned 43.6%. 

Anyone who promises you 33% passive income is a crook.

The return in some non-dividend paying stocks far outweighs the passive income you garner just through dividends. Its not even really close. I mean Im talking a possible 5x return or more compared to the 3,500. Your main focus will have to change with stocks, though. You will have to be active rather than passive. Id pass on that lending thing. Go with the growth and look for emerging companies rather than already there companies.

take maybe $2500 and try your luck with it on the p2p lending. Leave the rest where it is.