surby
Minor shareholder in Assetz Capital
Posts: 32
Likes: 18
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Post by surby on Sept 1, 2014 10:34:43 GMT
I've invested in Wales but passed on the ones in Scotland for now. I saw something saying that Treasury believes rUK would not be responsible for subsidies in the event that Scotland separates and don't want the complications!
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surby
Minor shareholder in Assetz Capital
Posts: 32
Likes: 18
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Post by surby on Aug 19, 2014 10:39:09 GMT
snip... If £100k is all your savings then it should not all be going into P2P. If it is, say, 20%, then you should be seeking , and paying for, professional advice. ... How correlated do you feel p2p is? After all we have consumer loans (zopa etc), business loans (tc etc), property (THC etc), equity/crowdfunding (syndicateroom), clean energy/govt guaranteed (abundance) even sort of pawnbroking. How much more likely are they to go south together than the stockmarket, with all its supposed asset allocation All investments (and platforms) could go south in the event of a global economic meltdown or hyperinflation. So could banks, as we saw last time. There is also regulatory risk, but it seems unlikely the FCA would want to regulate all of p2p out of existence, especially when the sector seems to improving the climate for business lending and increasing competition and choice for retail investors. Leaving those extreme scenarios aside, I don't think there is much correlation within the whole of p2p because as you note it is quite diverse across equity, loans, fixed interest and property and these all have different characteristics. p2p investments are priced by the platform in most cases, with resale often allowed only at par. Absent market pricing (which could cause a loss on paper) there may be a greater risk of being unable to sell and being forced to hold for the full term if an investment you hold is less attractive than new investments on offer.
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