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Post by funtimedave on Nov 29, 2017 8:47:22 GMT
Not sure if this a regular thing so feel free to delete if it is.
Also appreciate this is just a snapshot in time and will flex for people dependent on the loan offerings. All that said I am interested in what percentage split people hold their P2P funds across different companies.
For me it is as follows
Company Split
Bondmason 41%
Moneything 27%
Collateral 5%
Asset Capital 5%
Ratesetter 8%
Crowd2fund 4%
Growth Street 4%
Unbolted 2%
Uown 2%
Kufflink 3%
I am quite new to the P2P marketplace which reflects in my portfolio
Bondmason
A majority of mine is in Bondmason - I like the company and feel it is not my strength at the moment to perform due diligence. I constantly review and calculate my interest based on defaults and watchlist. Will have a serious think after a year.
Moneything
Again I have good faith in the owners. Good communication and initially a good flow of loans. Always seems to get very positive views on this forum. Starting to get cash drag here though
Ratesetter
High due to hunting down a sign up bonus. Very close to a year here so not sure what I will do once that has hit
Asset Capital and Collateral
Both slightly higher due to good reputations and offering something outsiode of property backed loans
The rest all represent me dipping my toe in the water with them. Kufflink seem good in that they put skin in the game, but as ever it is one more property back p2p company. I also have some money in property partners but that is under my wife's name and not in my spreadsheet
Anyone else care to share
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Post by captainconfident on Nov 29, 2017 11:14:34 GMT
I'll play along.
Assetz Capital 28 Steady
Thin Cats 19 Reducing
Funding Circle 13 Steady
Ratesetter 7 Steady
Mintos 5 Increasing
Lendy 5 Steady
Funding Knight 4.5 My favourite. Hanging in as long as I can.
Archover 4.5 Increasing
Twino 3 Steady
wiseAlpha 2 Increasing
Wellesley 2 Finishing 2 wks.
Moneything 1 Steady
Estateguru 1 Increasing
REBS 1 Steady
Ablrate 0.2 Never really got to grips with it
Abundance 0.2 Yawn.
Been in p2p for about 5 years
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Nomad
Member of DD Central
Posts: 729 
Likes: 495
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Post by Nomad on Nov 29, 2017 12:48:52 GMT
Not sure if this a regular thing so feel free to delete if it is. Also appreciate this is just a snapshot in time and will flex for people dependent on the loan offerings. All that said I am interested in what percentage split people hold their P2P funds across different companies. For me it is as follows Company Split
Bondmason 41% Moneything 27% Collateral 5% Asset Capital 5% Ratesetter 8% Crowd2fund 4% Growth Street 4% Unbolted 2% Uown 2% Kufflink 3% Mine's a wee bit different - Ablrate 17%
Archover 27%Assetz 1%
Blend 1%
Collateral 1%Money Thing 2%Property Ptnr 8%
Relendex 13%
Unbolted 6%Wise Alpha 23%
Other duds 1%
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drgonzo
Member of DD Central
Posts: 82
Likes: 95
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Post by drgonzo on Nov 29, 2017 13:52:01 GMT
Interesting to see how others are invested! Mine is currently as follows:
MoneyThing 30% (limit reached)
Collateral 25% (limit reached)
Assetz 18% (increasing)
Unbolted 9% (increasing)
Landbay 5% (limit reached)
ABL Rate 5% (increasing)
Funding Secure 4% (increasing)
Zopa 1% (reducing)
LendInvest 1% (reducing)
LendingWorks 1% (reducing)
Lendy 1% (reducing)
Currently looking for a new platform to add some additional funds to, and hopefully diversify down to 20% max per platform... will probably be either BondMason or WiseAlpha.
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pikestaff
Member of DD Central
Posts: 2,136
Likes: 1,484
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Post by pikestaff on Nov 29, 2017 14:09:13 GMT
Pure p2p:
| ThinCats | 56 | | Assetz | 25
| Ratesetter
| 19
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| 100
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Including Downing Crowdfunding:
| ThinCats | 50 | | Assetz | 23 | | Ratesetter | 17 | | Downing | 10 |
| 100
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IFISAcava
Member of DD Central
Posts: 3,664
Likes: 2,988
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Post by IFISAcava on Nov 29, 2017 14:16:33 GMT
HNWLending 12.1%
Bridgecrowd 12.0%
Assetz capital 11.0%
Proplend 6.6%
Funding Secure 6.3%
LendingWorks 4.4%
Kuflink 4.3%
ABLrate 4.3%
Archover 4.3%
Crowd2fund 3.8%
Ratesetter 3.6%
Unbolted 3.5%
Collateral 3.4%
Landlord Invest 2.9%
LendingCrowd 2.8%
Lendy 2.2%
Relendex 1.7%
Moneything 1.5%
Mintos 1.1%
Crowdstacker 1.1%
Abundance 1.1%
Basset and Gold 1.1%
Property Crowd 1.1%
Goji 1.1%
Huddle 0.9%
Capital Rise 0.5%
Wellesly 0.4%
Growth Street 0.4%
Landbay 0.2%
Wisealpha 0.2%
Funding Circle 0.1%
Held within an IFISA: 49.6%
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Nomad
Member of DD Central
Posts: 729
Likes: 495
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Post by Nomad on Nov 29, 2017 14:52:08 GMT
HNWLending 12.1% Bridgecrowd 12.0% Assetz capital 11.0% Proplend 6.6% Funding Secure 6.3% LendingWorks 4.4% Kuflink 4.3% ABLrate 4.3% Archover 4.3% Crowd2fund 3.8% Ratesetter 3.6% Unbolted 3.5% Collateral 3.4% Landlord Invest 2.9% LendingCrowd 2.8% Lendy 2.2% Relendex 1.7% Moneything 1.5% Mintos 1.1% Crowdstacker 1.1% Abundance 1.1% Basset and Gold 1.1% Property Crowd 1.1% Goji 1.1% Huddle 0.9% Capital Rise 0.5% Wellesly 0.4% Growth Street 0.4% Landbay 0.2% Wisealpha 0.2% Funding Circle 0.1% Held within an IFISA: 49.6% Golly, is anyone in more platforms than this?
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ozboy
Member of DD Central
Mine's a Large One! (Snigger, snigger .......)
Posts: 3,156
Likes: 4,830
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Post by ozboy on Nov 29, 2017 15:09:26 GMT
What a nightmare to monitor, if s/he even bothers?!!!!  |
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gibmike
Member of DD Central
What is a cynic? A man who knows the price of everything and the value of nothing.
Posts: 255
Likes: 159
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Post by gibmike on Nov 29, 2017 15:54:12 GMT
Assetz Capital 42.64%
Lend Invest 5.60%
Funding Secure 28.88%
AblRate 22.60%
LendInvest is going, going gone by December.
Next year I will be looking to add a fourth/fifth as I need to bring them down to 20% each or thereabouts.
Mike
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blueninja
Member of DD Central
Posts: 79 
Likes: 48
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Post by blueninja on Nov 29, 2017 16:27:45 GMT
Collateral 40%
Moneything 35%
Blend 20%
Lendy 5%
Have also tried Funding Secure, Funding Circle and Assetz Capital but now out of these with Lendy reducing.
May try again Assetz and FS in the future (and maybe even Lendy if they up their game!)
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IFISAcava
Member of DD Central
Posts: 3,664
Likes: 2,988
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Post by IFISAcava on Nov 29, 2017 16:30:35 GMT
What a nightmare to monitor, if s/he even bothers?!!!! A lot are auto-invest so low maintenance, and some are high minimums per loan so very few loans to monitor. It's not that bad, really!Aim is no more than 10% per platform and (eventually) the vast majority via an IFISA so awaiting MT/Assetz/Archover/FC (amongst others) new ISA offerings to increase proportions. Some of the smaller investments are toe dipping or taking advantage of special offers, and may not be extended after a year or so.
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Post by df on Nov 29, 2017 17:33:57 GMT
I update it every month or two. This is my latest from 1st November.
AC - 17%
FS - 14%
FC - 12%
COL - 9%
Zopa - 8%
Ly - 7%
MT - 6%
UB - 6%
LC - 6%
RS - 5%
GS - 5%
Landbay - 2%
Abl - 2%
Rebs - 0.65%
HC - 0.35%
It is probably the same today, except Zopa and RS. I'm shifting Zopa repayments to RS as they come.
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Post by df on Nov 29, 2017 17:43:39 GMT
BondmasonA majority of mine is in Bondmason - I like the company and feel it is not my strength at the moment to perform due diligence. I constantly review and calculate my interest based on defaults and watchlist. Will have a serious think after a year. I withdrew from BM when they changed T&C on 31st May. Now I think it was a wrong decision. I'm thinking of investing again, but reading about cash drag on this forum prevents me from doing it.
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Post by ih123 on Nov 29, 2017 19:09:04 GMT
Mine are
Archover 31
Moneything 14
Ablrate 13
Bond Mason 13
Property Moose 10
Wise Alpha 10
Collateral 6
Octopus Choice 2
Unbolted 1
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Post by wiseclerk on Nov 29, 2017 19:10:43 GMT
HNWLending 12.1% Bridgecrowd 12.0% Assetz capital 11.0% Proplend 6.6% Funding Secure 6.3% LendingWorks 4.4% Kuflink 4.3% ABLrate 4.3% Archover 4.3% Crowd2fund 3.8% Ratesetter 3.6% Unbolted 3.5% Collateral 3.4% Landlord Invest 2.9% LendingCrowd 2.8% Lendy 2.2% Relendex 1.7% Moneything 1.5% Mintos 1.1% Crowdstacker 1.1% Abundance 1.1% Basset and Gold 1.1% Property Crowd 1.1% Goji 1.1% Huddle 0.9% Capital Rise 0.5% Wellesly 0.4% Growth Street 0.4% Landbay 0.2% Wisealpha 0.2% Funding Circle 0.1% Held within an IFISA: 49.6% Golly, is anyone in more platforms than this? I have about 30, but that is only because on some platforms, which I left quite some time ago, there is still a tiny bit money invested and stuck. I currently actively manage portfolios on 19 platforms and that is quite a bit of handling required, but then it is necessary to have this first hand experience when I write about p2p lending. And my larger pots are on only 6 platforms, the remainder is small portfolios to monitor the developments and gain experience.
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