Neil_P2PBlog
P2P Blogger
Use @p2pblog to tag me :-)
Posts: 355
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FundingSecure (FS) in Administration
Launch of IFISA
Apr 18, 2017 16:25:57 GMT
Post by Neil_P2PBlog on Apr 18, 2017 16:25:57 GMT
Some basic Secondary Market stats - so we can compare in 6 months time to see if the Tax arbitrage + ISA demand has an impact.
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Neil_P2PBlog
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Post by Neil_P2PBlog on Apr 18, 2017 15:01:14 GMT
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Neil_P2PBlog
P2P Blogger
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Posts: 355
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Post by Neil_P2PBlog on Apr 18, 2017 12:04:22 GMT
IMHO: Short term - some currency volatility for those who invest in EU/other direction and maybe longer queues on secondary markets. Long term - will be hard to separate effects from the larger influences: ISAs, Brexit, Trump.
Assuming nothing unexpected happens like someone offering to undo Brexit!
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Neil_P2PBlog
P2P Blogger
Use @p2pblog to tag me :-)
Posts: 355
Likes: 209
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Post by Neil_P2PBlog on Apr 12, 2017 23:07:58 GMT
Thanks for posting the review beh! I think I have been particularly lucky on PM (able to sell on SM at high premium) and perhaps unlucky on PP (joining just after brexit). One difference I came across when writing the review that I hadn't thought of before is the way that PP give all the initial transactional fees all up front & separate when you first purchase, whereas PM charge their initial buyer's fee within the SPV itself. So perhaps PM is better to buy and resell on SM, PP for buy and hold long term.
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Neil_P2PBlog
P2P Blogger
Use @p2pblog to tag me :-)
Posts: 355
Likes: 209
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Post by Neil_P2PBlog on Apr 11, 2017 18:54:21 GMT
I don't think many people are thinking 4 years, they're thinking 'as long as I like then sell it at a premium on the SM'!
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Neil_P2PBlog
P2P Blogger
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Posts: 355
Likes: 209
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Post by Neil_P2PBlog on Apr 11, 2017 14:21:21 GMT
You have the P2P investment trusts (exposed to share price movements and poor historical performance)
You have the crowd-bond offerings (like Goji or Basset & Gold)
You could spread it yourself across some automated platforms (e.g. Assetz 7%, Growth Street 6.5%, RateSetter 5 year ~6%, FC auto-bid and Zopa Plus around 6-7%)
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Neil_P2PBlog
P2P Blogger
Use @p2pblog to tag me :-)
Posts: 355
Likes: 209
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Post by Neil_P2PBlog on Apr 11, 2017 12:49:35 GMT
I'm a little surprised that the 14% is funding much faster than the 12%
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Neil_P2PBlog
P2P Blogger
Use @p2pblog to tag me :-)
Posts: 355
Likes: 209
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Post by Neil_P2PBlog on Apr 7, 2017 15:50:13 GMT
I had a capital repayment so went back in to reinvest it. I noticed on the page for the tracker it now says:
"Please note that due to extremely high demand for the Tracker Rate product, investments may take 2 months before they can be matched to loans and start earning interest."
Previously they'd paid the interest right away but now it looks like that's changed - perhaps too expensive to keep paying it with all that ISA money queued up?
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Neil_P2PBlog
P2P Blogger
Use @p2pblog to tag me :-)
Posts: 355
Likes: 209
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Post by Neil_P2PBlog on Apr 7, 2017 15:45:07 GMT
What about those of us that closed our accounts? How can we get access to print off the statement?
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Neil_P2PBlog
P2P Blogger
Use @p2pblog to tag me :-)
Posts: 355
Likes: 209
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Post by Neil_P2PBlog on Apr 6, 2017 19:19:39 GMT
I had it too.
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Neil_P2PBlog
P2P Blogger
Use @p2pblog to tag me :-)
Posts: 355
Likes: 209
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Collateral (COL) in Liquidation
Borrower ID
Apr 4, 2017 17:55:25 GMT
Post by Neil_P2PBlog on Apr 4, 2017 17:55:25 GMT
If you use excel at work, adding in a pivot, a couple of slicers and colouring the sheet white is an easy way to make anything look impressive in 5 minutes :-).
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Neil_P2PBlog
P2P Blogger
Use @p2pblog to tag me :-)
Posts: 355
Likes: 209
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Post by Neil_P2PBlog on Apr 3, 2017 16:31:54 GMT
/ off topic hat on What 3P software are people pulling their p2p transactions in to, thanks. Very interesting question. I'm just pulling everything into Excel ATM
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Neil_P2PBlog
P2P Blogger
Use @p2pblog to tag me :-)
Posts: 355
Likes: 209
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Post by Neil_P2PBlog on Mar 31, 2017 13:18:35 GMT
Thanks for the clarification Neil - I've updated my display name from 'Neil' to avoid further miss-tags - but it does make your previous post look a bit strange!
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Neil_P2PBlog
P2P Blogger
Use @p2pblog to tag me :-)
Posts: 355
Likes: 209
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General Equities Discussion
brickowner
Mar 30, 2017 20:48:21 GMT
Post by Neil_P2PBlog on Mar 30, 2017 20:48:21 GMT
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Neil_P2PBlog
P2P Blogger
Use @p2pblog to tag me :-)
Posts: 355
Likes: 209
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Post by Neil_P2PBlog on Mar 29, 2017 20:35:10 GMT
When I saw they were offering the ISA I got in touch with them and did a Q&A overview. I've registered but not made an investment yet, the one that was funding while I've been a member sold out quite quickly (a few days).
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