aj
Member of DD Central
Posts: 345 
Likes: 452
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Post by aj on Feb 9, 2018 12:28:45 GMT
With the payment of my £100 bonus, I have now set my account to repay automatically into my bank and my last £1000 will be gradually run down. I've been completely happy with my RS experience, and think they will remain a big player in the P2P market. However, my appetite for riskier investments with higher potential returns has got the best of me for now! So long and thanks for all the fish!  |
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Post by caveman38 on Feb 9, 2018 13:09:09 GMT
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Post by dingdong on Feb 9, 2018 15:17:23 GMT
I think most people are going in the opposite way and seeking to derisk their investments at this point given brexit uncertainty and the fact that we are now long overdue a recession!
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Post by stevepn on Feb 9, 2018 16:03:25 GMT
With the payment of my £100 bonus, I have now set my account to repay automatically into my bank and my last £1000 will be gradually run down. I've been completely happy with my RS experience, and think they will remain a big player in the P2P market. However, my appetite for riskier investments with higher potential returns has got the best of me for now! So long and thanks for all the fish! Don't forget higher potential loses also.
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jlend
Member of DD Central
Posts: 1,817
Likes: 1,444
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Post by jlend on Feb 9, 2018 17:36:47 GMT
Just need a few more lenders to leave and we might see the interest rates go up a little |
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Liz
Member of DD Central
Posts: 2,426
Likes: 1,297
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Post by Liz on Feb 10, 2018 16:16:19 GMT
With the payment of my £100 bonus, I have now set my account to repay automatically into my bank and my last £1000 will be gradually run down. I've been completely happy with my RS experience, and think they will remain a big player in the P2P market. However, my appetite for riskier investments with higher potential returns has got the best of me for now! So long and thanks for all the fish! Don't forget higher potential loses also. Nope. Potential loss is 100% on both. The risks too may be more or less. Don't just assume high rates=higher risk. For example, when rates fall or rise on RS, the risk doesn't change. Often rates are set according to liquidity. The liquidity is higher on the likes of RS because it is an easy deposit and forget platform.
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Post by dualinvestor on Feb 11, 2018 14:59:54 GMT
Yes, the potential risk is 100% on both, however that is only likely due to platform filure. The probable risk is however lower on RS (and Zopa) due to greater diversification. Say 25% of RS loans default, statistically it is extremely unlikely that you will hold all of those loans that default and only those loans. Whereas on other platforms offerring higher returns there is a greater probability of holding all defaulted loans in both cases ignoring the effect, if any, of a "provision fund")
Taking an anology in theory it requires 365 diferent people to have a unique birthday, but statistically the chances of any sample of 365 people actually having diferent birthdays is vitually nil. RS (and Zopa) have 10s of thousands of loans, Lendy (and Bridge Crowd/Landlord Invest etc) have fewer than 100.
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Post by p2plender on Feb 11, 2018 20:01:46 GMT
With the payment of my £100 bonus, I have now set my account to repay automatically into my bank and my last £1000 will be gradually run down. I've been completely happy with my RS experience, and think they will remain a big player in the P2P market. However, my appetite for riskier investments with higher potential returns has got the best of me for now!So long and thanks for all the fish!
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Post by df on Feb 11, 2018 20:19:41 GMT
With the payment of my £100 bonus, I have now set my account to repay automatically into my bank and my last £1000 will be gradually run down. I've been completely happy with my RS experience, and think they will remain a big player in the P2P market. However, my appetite for riskier investments with higher potential returns has got the best of me for now!So long and thanks for all the fish! I go for both. I prefer spreading my investments across different risks. As for RS, at the moment all my returns go to GS - better rates for similar risk level.
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