Portfolio % query

Hi zendog - welcome to the Forum. I think you'll find a wide range here in terms of size and proportion of P2P portfolios, and although these relate to all P2P investments and not just RateSetter - have a look at this recent poll thread and in particular this post from SteveT containing links to two further polls click here. In terms of timescale I've been investing in P2P for about 5 years now, I hope to continue for as long as the risk reward ratio is acceptable, but I'm prepared (like many on the Forum) to move my money around. I started off with Zopa and RateSetter, I only have blue moon pennies in Zopa now as I can't close the account with defaulters there still. In RateSetter I stopped lending in the five year market 2 years ago, and the 3 year market over a year ago and have just (like quite a few others) taken them up on their fee free sell out offer so currently I'm account closed RateSetter. If the offer hadn't been there I would have continued to wind down but unless rates picked up significantly wouldn't have re-entered the market. I liked the diversity of having a bit of consumer retail loans, but I felt against the background of falling rates and uncertain economic times the risk/reward simply didn't stack up for me. 

While you are here have a look at a few other platforms AC QAA or 30 day, or Bond Mason (which I don't know much about, but seems to offer a blended P2P platform portfolio for a small fee), if you want to stick to asset class I beleive some people are/were returning to Zopa with their new Zopa + product. I'm sure you'll soon have more views than you know what to do with -  good luck   .