|
|
Post by ratrace on Sept 21, 2017 19:27:03 GMT
With the recent changes that have happened in Funding Circle l think spells out clearly the way the future is heading for P2X. The interests of the big money funds will end up been dominant and these of small retail investors will increasing become a very poor second. Because for P2X to grow bigger in the future it will need the large sums of money that only the big funds can offer. lt will simply cost too much both in time and money to try and rise it from small investors.
As the money from the investment funds increases into the sector l can see it driving down rates and stopping the very good rates that active investors have enjoyed in the past. Am expecting that active direct investment into P2X will become a very small part of the market as it becomes simply not worth the effort. For me that point has already been reached.
|
|
ben
Posts: 2,020 
Likes: 589
|
Post by ben on Sept 21, 2017 19:46:08 GMT
With the recent changes that have happened in Funding Circle l think spells out clearly the way the future is heading for P2X. The interests of the big money funds will end up been dominant and these of small retail investors will increasing become a very poor second. Because for P2X to grow bigger in the future it will need the large sums of money that only the big funds can offer. lt will simply cost too much both in time and money to try and rise it from small investors. As the money from the investment funds increases into the sector l can see it driving down rates and stopping the very good rates that active investors have enjoyed in the past. Am expecting that active direct investment into P2X will become a very small part of the market as it becomes simply not worth the effort. For me that point has already been reached. Rates were always going to go down once more people got involved and the big investors turned up and started throwing millions arounds, it is the same with all new type of investments. I still think p2p has a bit of a way to go yet the small investors get kicked out and it is only worth investing in the funds. Do you enjoy investing in p2p or is it a chore? to me I earn far more from shares and other investments then I do from p2p but I find this far more interesting and rewarding. However the only way to work out if it is worth it or not is What average rate are you achieving and what average rate do you get from you other investments.
|
|
|
|
Post by ratrace on Sept 21, 2017 20:11:45 GMT
Yes l enjoyed active investment at FC as the extra return l got made it worth it. But now they have killed off manual bidding l have just lost interest in direct investment in P2P. l can no longer see the point in direct investment as now l think l can end up getting better returns over the longer term by investing into P2X investment trusts instead.
|
|
|
|
Post by stevebarryifa on Sept 22, 2017 11:29:12 GMT
I would like to see some sort of syndicate model, where a group of small investors could pool together and share the returns, and also have the same influence as the big dogs.
|
|
|
|
Post by Deleted on Sept 22, 2017 13:06:37 GMT
I saw this coming when FC last changed its model. FC are well out of the game for me, but the other players still offer real opportunity and a few are upping their game.
FC's model screws the lenders and have done so for 18 months or more.
|
|
|
|
Post by stevebarryifa on Sept 22, 2017 13:40:11 GMT
I saw this coming when FC last changed its model. FC are well out of the game for me, but the other players still offer real opportunity and a few are upping their game. FC's model screws the lenders and have done so for 18 months or more. I think they are in a position where they have more people wanting to lend money than people wanting to borrow, so they probably don't mind if they annoy the lenders.
|
|
am
Posts: 1,495
Likes: 601
|
Post by am on Sept 22, 2017 13:44:41 GMT
I've wondered about the viability of a mutual (i.e. owned by the lenders) P2P business.
|
|
|
|
Post by stevebarryifa on Sept 22, 2017 13:46:23 GMT
I've wondered about the viability of a mutual (i.e. owned by the lenders) P2P business. Like a co-op?
|
|
|
|
Post by martin44 on Sept 22, 2017 14:00:41 GMT
I've wondered about the viability of a mutual (i.e. owned by the lenders) P2P business. Great idea. Although i would envisage someone somewhere would have to put in an awful lot of legwork to get it off the ground, nevertheless a good idea.
|
|
|
|
Post by ratrace on Sept 22, 2017 19:34:42 GMT
I saw this coming when FC last changed its model. FC are well out of the game for me, but the other players still offer real opportunity and a few are upping their game. FC's model screws the lenders and have done so for 18 months or more. With FC no longer allowing manual bidding l would now need to spread my money over at least 3 or 4 P2X sites to hope to invest with the same ease as l did in FC. The extra time and effort that would cause me makes the game no longer worth playing for me and l sense l can do better elsewhere. With the current discounts on offer on some of the P2X lT's plus there exposure to equities in some P2X sites. Leads me to think these are now a better way for me to invest into P2X from here on.
|
|
