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Post by fiatlender on Feb 8, 2017 13:57:09 GMT
Got the 4.5% Edit: And a full month too, makes a change.
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kaya
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Post by kaya on Feb 10, 2017 10:41:24 GMT
In the context of other things happening, this volatility spooks me. My rolling cash is electronically rolling elsewhere.
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jonah
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Post by jonah on Feb 11, 2017 9:37:55 GMT
With the weekend to go, this now looks pretty guaranteed to be the second largest week for RS volume of loans ever. Arguably we should be congratulating them and hoping for continuation of the level, especially if it gives us a few extra fractions of a percent. This week is looking to be a 'top 10' one so the volume level continues to be positive. February seems to be a historically busy month but the more money out the door*, the more chance of better rates. *assuming borrower quality doesn't slip.
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alender
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Post by alender on Feb 11, 2017 13:36:48 GMT
Looking at defaults and the PF coverage ratio borrower quality has already slipped and given the added risk that RS can finance the PF from the lender interest and capital the rate would need a significant rise to put the risk/reward ratio where it was a few years ago even taking into account the current low interest rate climate.
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Post by p2plender on Apr 18, 2017 1:28:54 GMT
£40 million waiting to be lent in monthly. Never seen anything like this amount before.
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pikestaff
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Post by pikestaff on Apr 18, 2017 7:46:37 GMT
£40 million waiting to be lent in monthly. Never seen anything like this amount before. Must be something to do with the long weekend. Down to £20m now.
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jo
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Post by jo on Apr 25, 2017 10:48:04 GMT
If I were RateSetter, I'd think twice about letting Rolling fall below 3%.
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ashtondav
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Post by ashtondav on Apr 25, 2017 15:36:57 GMT
Why?
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alender
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Post by alender on Apr 25, 2017 21:14:22 GMT
Because if it falls too low people will start looking elsewhere and they will find they can get 4.75% (up from 4.25% for new money for the next few weeks) for one month notice at Assetz and 3.4% at Landbay for instant access, both pay interest when money is deposited so no losing interest while waiting for a match. Also funds stay earning interest until you decide to withdraw, no early repayments and keep having to reinvest every 30 days losing interest until the next match. Personally can see the point of investing the rolling market or any other of the RS markets at current rates.
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Post by jackpease on Apr 26, 2017 6:25:44 GMT
If I were RateSetter, I'd think twice about letting Rolling fall below 3%. Conspiracy theories aside, presumably the whole point of Ratesetter is that the rate floats according to demand - ie if there are too many lenders and the rate drops, the lenders go elsewhere until the rate rises again? Its either that or rationing zopa-style J
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ashtondav
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Post by ashtondav on Apr 26, 2017 7:49:48 GMT
Assets and Landbay are too small and therefore too risky for me. I like to see a decent track record, hence my use of RS and Z - despite low rates.
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Post by chris on Apr 26, 2017 8:40:09 GMT
Assets and Landbay are too small and therefore too risky for me. I like to see a decent track record, hence my use of RS and Z - despite low rates. We're as big as RS were in 2014 and nearly six times the size of Landbay
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alender
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Post by alender on Apr 26, 2017 8:41:36 GMT
Given the recent goings on with the PF and defaulted loans I personally think Assetz and Landbay are safer than RS but if you check the 4thway risk scores RS are 4, Assetz are 5 and Landbay are 2, the lower the score the less the risk.
Does anyone know of other sites that rate P2P risk?
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Post by nesako on Apr 27, 2017 14:35:59 GMT
Given the recent goings on with the PF and defaulted loans I personally think Assetz and Landbay are safer than RS but if you check the 4thway risk scores RS are 4, Assetz are 5 and Landbay are 2, the lower the score the less the risk. Does anyone know of other sites that rate P2P risk? This is a risk rating given as a personal opinion by one individual, you really should do your own risk analysis...
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dandy
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Post by dandy on Apr 27, 2017 14:53:37 GMT
Assets and Landbay are too small and therefore too risky for me. I like to see a decent track record, hence my use of RS and Z - despite low rates. We're as big as RS were in 2014 and nearly six times the size of Landbay No you really are not ... although I am sure there is some obscure metric you have found to back that up spurious claim
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