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Post by wiseclerk on Dec 5, 2014 14:29:03 GMT
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shimself
Member of DD Central
Posts: 2,561 
Likes: 1,170
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Post by shimself on Dec 5, 2014 14:57:20 GMT
it's part 2 interests us, this is just a very elegant teaser so far
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Post by wiseclerk on Dec 8, 2014 20:59:51 GMT
it's part 2 interests us, this is just a very elegant teaser so far Part 2 is online.
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shimself
Member of DD Central
Posts: 2,561
Likes: 1,170
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Post by shimself on Dec 8, 2014 21:06:51 GMT
it's part 2 interests us, this is just a very elegant teaser so far Part 2 is online. Teased again. Very character building.
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Post by wiseclerk on Dec 12, 2014 8:54:43 GMT
Part 3 is online. ( shimself - this is the final part, so no worries  ) |
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Post by coolrunning on Dec 19, 2014 21:50:24 GMT
How about clear links to parts 1,2 and 3?
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Post by wiseclerk on Jul 20, 2015 9:55:49 GMT
Wonder how the strategy of parisingoc is working out and how his portfolio is doing? He has been very kind and written a comprehensive and interesting update.
It will be published in the next days on P2P-Banking.com
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Post by wiseclerk on Jul 21, 2015 8:55:23 GMT
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JamesFrance
Member of DD Central
Port Grimaud 1974
Posts: 1,317
Likes: 893
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Post by JamesFrance on Jul 21, 2015 9:45:48 GMT
I also came to the conclusion that my defaults were increasing at an unacceptable rate at the same time as ParisinGOC, in September 2014. I used a much less scientific method of changing investment strategy. By September it was becoming obvious that the main problem was the rapidly increasing default rate of Spanish and Slovakian loans, so I stopped investing in those countries. The attachment shows my current defaults since January 2014 and is scanned from my Bondora account.  Quite a dramatic change in defaults and the ones before September are still increasing. |
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duck
Member of DD Central
Posts: 2,586
Likes: 5,763
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Post by duck on Jul 21, 2015 17:54:32 GMT
....., in September 2024. ...... Foresight is an oft neglected attribute
I had my worst month in Nov 2014, got it back on the rails until Feb this year, couple of bad months and then back under control. I've tried several different strategies but all are time intensive. With the pound still climbing against the Euro, now is not the time to withdraw cash..... decisions, decisions!
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james
Posts: 2,205
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Post by james on Jul 21, 2015 23:23:03 GMT
The exchange rate isn't stopping me from withdrawing money as it gets repaid. If I don't like the exchange rate I can just buy the same amount in a European fund and use the rate the other way around. It's not worth sticking in a place that you don't want to be because of the rate. I made that mistake last November, keeping money in Bondora longer than I wanted to because of the rate. I'd have done better by starting my withdrawing then.
I've recently one some UK secured investing at about 14% (an Ablrate loan) and about 19% (can't say) and 12% is readily available from say MoneyThing. In VCTs I can get around 10% tax free and 30% of my purchase price back from roughly 100% secured, or around 11% tax free from about 50% secured investing. I'll take the exchange rate loss to do those things.
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duck
Member of DD Central
Posts: 2,586
Likes: 5,763
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Post by duck on Jul 22, 2015 5:36:32 GMT
Yes I agree on the exchange rate, I have withdrawn some of my cash but the rate has spiked in the last week (1.39 to 1.44) so I'm hoping for it to settle back in the next week .....
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Post by wiseclerk on Aug 10, 2015 14:36:07 GMT
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Post by wiseclerk on Aug 18, 2015 7:40:47 GMT
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)
