littonowl
Member of DD Central
Posts: 398
Likes: 355
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Post by littonowl on Aug 31, 2016 9:54:33 GMT
Thanks for the quick reply guys, and the pre-10am tip !
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littonowl
Member of DD Central
Posts: 398
Likes: 355
|
Post by littonowl on Aug 31, 2016 9:40:52 GMT
Sorry for the thicko question, but only just joined Collateral and struggling to locate the SM on their platform? Maybe there isn't anything available at the moment, but can anyone offer me any pointers? TIA. Must say I've been impressed with the speed of bank transfer this morning. Funds were allocated in no more than a minute and I was able to make my first investment, in the 1979 RR. Probably the closest I'll ever get to owning a Roller !
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littonowl
Member of DD Central
Posts: 398
Likes: 355
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Post by littonowl on Aug 25, 2016 15:55:43 GMT
I stopped working a couple of years ago, so now rely on income from my investments for my living expenses. My approximate split is: - c.85% in Stocks and shares: made up of Fixed Income bonds (Corporate bonds on the ORB market), Alternative Income Shares (Infrastructure & Renewables IT's, REITS, Comm Property IT's & even a couple of listed P2P & Direct Lending Companies) defensive income shares & a few choice Income funds (Troy Trojan Inc, Evenlode Inc. etc). Approx. 90% of these funds are held within ISA's.
- c. 14% Cash Banks and B.Socs
- c. 1% P2P !
However, I only started P2P last week, primarily in response to the rate cut. I held most of my cash in high interest accounts such as Santander etc, but with the subsequent cuts in interest rates there and elsewhere, decided the time was now right to move a greater proportion of my cash into P2P (say 5%-7%). So far I've tipped my toe in Ratesetters 1 Year @ 4.2% and just this week started with Moneything (thanks largely to positive comments on this forum!). Like others have said would really like to get some P2P within the IFISA's...any word on when they're finally likely to surface..?!
Over the coming months I intend to research P2P more thoroughly and diversify my investments across loan types and platforms.
Just want to say this is a great forum btw, a superb resource and though I've much more to learn, i already know quite a bit more than I did a couple of weeks ago!
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