bjorn
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Post by bjorn on Sept 26, 2015 11:28:51 GMT
There has been a really interesting discussion in this thread on how people have their p2p portfolio spread across platforms. One observation is that a lot of people have fairly "messy" pies with a number of thin slices due to winding down, being locked in or having dipped a toe but gone no further. So I'd like to suggest a follow-up to the original question: Knowing what you do now, if you could make your pie again, what shape would it be? And why? I'll kick us off:  I guess I'd want a few different "roles" within the portfolio that the different platforms would fulfil: Secured and good liquidity: SS and AR Secured, few (or well-managed) defaults, good rates, but locked in for 6 months: FS and MT Reasonably diversified SME (for different asset class): AC and LC
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Post by wiseclerk on Sept 26, 2015 11:57:18 GMT
I think the answer will not be very meaningful or helpful. While there may be some agreement over the ideal pie now,
just imagine you would have asked the same question 6 month ago, 1 year ago and 2 years ago.
The pie would have been different every time (at least that's my opinion).
So to me the interesting question is, why is that?
I think it is mainly the market evolves and the perception/understanding of risks is still evolving - it is not stable.
My view is that it will take at least a few years for the investors to be able to gauge and compare the advantage and disadvantages of each marketplace and to find the ones they are comfortable with and that match the risk level they are willing to take. So that is why the pies in the other thread look so messy.
But even if you start with your "ideal" pie now, my guess would be that it won't feel ideal in two years and your pie will evolve to the messy look too.
That is not to say, one should not try and gain first hand experience. I've invested on more than a dozen platforms, sometimes more sometimes less. And the gained experience is invaluable (to me).
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bjorn
Posts: 102
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Post by bjorn on Sept 26, 2015 14:31:13 GMT
My view is that it will take at least a few years for the investors to be able to gauge and compare the advantage and disadvantages of each marketplace and to find the ones they are comfortable with and that match the risk level they are willing to take. So that is why the pies in the other thread look so messy. But even if you start with your "ideal" pie now, my guess would be that it won't feel ideal in two years and your pie will evolve to the messy look too. That is not to say, one should not try and gain first hand experience. I've invested on more than a dozen platforms, sometimes more sometimes less. And the gained experience is invaluable (to me). Exactly. And that's why it's interesting to hear from people's experience over the past years about which platforms they're warming to and which they don't like as much. Agree that this is a snapshot in an ongoing process but plenty of people have tried plenty of platforms over the last few years so, as you say, invaluable experience has already been accumulated! That's not say there isn't more to learn. But definitely useful things we can pick up already without needing to wait another two years.
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