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Post by cpaken on Mar 6, 2016 15:42:21 GMT
Hi all,
Just curious to see what sort of percentage you guys have invested in P2P loans?
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ben
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Post by ben on Mar 6, 2016 15:48:20 GMT
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Post by Deleted on Mar 6, 2016 18:01:38 GMT
5%
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Liz
Member of DD Central
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Post by Liz on Mar 6, 2016 19:26:48 GMT
200%
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jonah
Member of DD Central
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Post by jonah on Mar 6, 2016 20:15:39 GMT
A little less than 1 in 7.
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Post by uncletone on Mar 6, 2016 20:50:35 GMT
Unanswerable: percentage of what?
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Post by westonkevRS on Mar 7, 2016 6:56:21 GMT
Unanswerable: percentage of what? ".... that you can't afford to lose"
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adrianc
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Post by adrianc on Mar 7, 2016 9:24:15 GMT
Unanswerable: percentage of what? The whole.
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james
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Post by james on Mar 11, 2016 18:01:03 GMT
Just curious to see what sort of percentage you guys have invested in P2P loans? Not enough yet but I'm working on a target in the 70-80% of all investments sort of range. That'll probably be at the high end of targets. If borrowing costs were appropriate I wouldn't be uncomfortable going over 100%. All investments includes ISA, pension, VCT amd cash/savings monies but not property owned as my residence. Arranged so that a 100% loss to fraud at any single platform or borrower (across any number of platforms) would not be entirely unaffordable, while more likely loss levels at all involved would be OK. Risk management isn't all but it is of key importance at relatively high percentages of investable assets. Still significant but much less so when say a 5% cap is used.
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ben
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Post by ben on Mar 11, 2016 18:14:23 GMT
at the moment heading towards 10% of investable assets, as with james if one platform has a complete loss it should not matter to much if three or four do then I might have more issues.
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stevio
Member of DD Central
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Post by stevio on Mar 11, 2016 18:16:30 GMT
Just curious to see what sort of percentage you guys have invested in P2P loans? Not enough yet but I'm working on a target in the 70-80% of all investments sort of range. That'll probably be at the high end of targets. If borrowing costs were appropriate I wouldn't be uncomfortable going over 100%. All investments includes ISA, pension, VCT amd cash/savings monies but not property owned as my residence. Arranged so that a 100% loss to fraud at any single platform or borrower (across any number of platforms) would not be entirely unaffordable, while more likely loss levels at all involved would be OK. Risk management isn't all but it is of key importance at relatively high percentages of investable assets. Still significant but much less so when say a 5% cap is used. [ Out of interest, over how many platforms james ?
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Post by newlender on Mar 11, 2016 18:26:35 GMT
I have about 10%. The big temptation soon will be the new ISAs, as selling my loans to re-invest will cost money; so I'll probably go up to 15%-20% P2P as the lure of interest-free will be too much to resist, I fear. I could just about afford to lose that and remain sane.  |
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Post by batchoy on Mar 11, 2016 18:37:14 GMT
100%, I have definitely invested 100% of everything I have invested in P2P Lending in P2P Lending.  |
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SteveT
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Post by SteveT on Mar 11, 2016 18:38:51 GMT
100%, I have definitely invested 100% of everything I have invested in P2P Lending in P2P Lending. You clearly haven't been lending recently on ReBS
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james
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Post by james on Mar 11, 2016 23:46:37 GMT
Out of interest, over how many platforms james ? Only four at the moment. That will need to increase to between five and seven or more as I put in more pension and ISA money. Biggest frustration in that area is perhaps the combination of poor exit terms and not great rates for the UK lending to consumer platforms. Since I want some direct to consumer lending I'll probably use a non-UK platform to get more of it. Next would be the large amount of lending secured on buildings presenting an overweight to one class of security risk, and a class I think is relatively fragile during a recession.
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