vmail
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Post by vmail on Jan 21, 2017 15:55:12 GMT
Another fun poll. Ignoring XIRR and loans on hold.
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ben
Posts: 2,020
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Post by ben on Jan 21, 2017 16:06:02 GMT
is this just for p2p or all investments?
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vmail
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Posts: 457
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Post by vmail on Jan 21, 2017 16:08:35 GMT
is this just for p2p or all investments? You can include other investments. You can describe the other investments in the comments.
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fp
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Post by fp on Jan 21, 2017 16:50:20 GMT
I'm probably in 11.1 to 12 as far as p2p is concerned.... which seems to be missing.
or are we talking generally across ALL investments?
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vmail
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Post by vmail on Jan 21, 2017 16:56:37 GMT
Thanks for pointing that out. I'm not sure how to edit it.
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Post by batchoy on Jan 21, 2017 18:21:10 GMT
Across all my P2P investments: 7.5%, in NS&I products: 3.65% (until Dec 2017), in FSCS backed products: 0.6% and in construction plant and equipment rented to a family business in SouthEast Asia after costs and depreciation; 58%
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vmail
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Posts: 457
Likes: 217
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Post by vmail on Jan 21, 2017 18:49:56 GMT
Did solar panels really pay that much? I remember they were about 14 ppu + inflation? Year 1: (FIT 43.3-45.4p/kW, Export 3.1-3.2p/kW, Combined 44.85-47p/kW) ROI = 20.43% Year 2: (FIT 46.81p/kW, Export 3.3p/kW, Combined 48.46p/kW) ROI = 22.38% Year 3: (FIT 48.07p/kW, Export 3.39p/kW, Combined 49.765p/kW) ROI = 23.34% Year 4: (FIT 48.84p/kW, Export 3.44p/kW, Combined 50.56p/kW) ROI = 23.34% Year 5: (FIT 49.43p/kW, Export 3.49p/kW, Combined 51.175p/kW) ROI = 21.67% [ROI is lower becuse the property was rented out so I was no longer benifitting from the free elecrity] The solar panels were installed in February 2012 for £8,100, just before the March 2012 cut-off period because the December 2011 cut-off was legally flawed.
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stevio
Member of DD Central
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Post by stevio on Jan 21, 2017 20:18:59 GMT
Rate isn't always proportional to risk
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Post by brokenbiscuits on Jan 22, 2017 11:27:24 GMT
2016 has seen p2p overshadowed by stocks and shares. In p2p I have fortunately seen no defaults and my best rates are 12% (before tax). My funds in my ISA have seen growth more like double that, with my Russian fund value doubling in 2016. A 100% increase in a year!
Just shows that it's good to be diversified, not just across platforms in p2p but also across all asset types.
Even the simple vanguard lifestrategy funds are showing around 30% growth.
I'm very much in the early accumulation stage of my life but the returns outside of p2p recently were enough to fund my outgoings. It's unlikely to continue throwing out so much money so quickly but it's a nice feeling knowing your investments can occasionally pay out similar amounts to your salary.
Roll on early retirement!
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Post by GSV3MIaC on Jan 22, 2017 12:30:06 GMT
The survey questions are somewhat flawed, ignoring the typo on last selection (should be 'throw')**; firstly, as other have noted, is this supposed to be 'just for P2P', or across the whole range of someone's assets, and secondly does it really mean 'interest', or does it include all the capital growth (or losses) and profit taking too?
** and as someone has noted, editing a survey after publication appears to be technically impossible on proboards.
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littleoldlady
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Running down all platforms due to age
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Post by littleoldlady on Jan 23, 2017 23:40:25 GMT
I was quite surprised when my spreadsheet said 10.13% because although MT is my biggest, LI is not far behind and I have smaller amounts in FS, IF, AC, Abl, PL, OC and BM.
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greatmarko
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Post by greatmarko on Jan 24, 2017 11:32:06 GMT
Given a lot of platforms have been dropping their rates of late, it would perhaps be more interesting to correlate the average rate of interest people are earning vs. how long they've been invested.
For example, someone who's only been P2P investing for a few months would likely struggle to achieve rates >12% (as few platforms now offer rates >12%), whereas a longer-term investor could easily be achieving a higher return if they invested in loans back when platform rates were higher.
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