blueninja
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Post by blueninja on Nov 9, 2017 23:03:14 GMT
Interesting thread, never worked this out before, but here is mine.
P2P 13%
Shares 2%
Cash 25%
BTL 60%
Been in P2P almost 5 years, but only tinkered for the 1st three. but have been reducing P2P since about this time last year.
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trouble
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Post by trouble on Nov 9, 2017 23:25:41 GMT
Cash 3%
Pensions 70% (but investing in everything everywhere)
Property 22%
P2P 5%
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pom
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Post by pom on Nov 10, 2017 0:01:57 GMT
Off the top of my head (cos I'm 2 pisco sours down in a hotel bar in Santiago.. )... 22% ish P2P 60% S&S tho may be more based on the last time I checked before jumping on plane
8% (??) BTL crowdfunding The rest ( too much I think) in cash of varying types.
As ever tho I think risk appetite will also greatly depending on overall net worth
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KoR_Wraith
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Post by KoR_Wraith on Nov 10, 2017 0:33:19 GMT
I'm heavily skewed towards P2P assets, crazily so when compared to others here. I'm significantly younger than the average forumite though so I suspect that accounts for much of the contrast.
P2P 81%
Property (Home Equity) 12% - I don't count this as an investment but have included for balance
S&S (Pension) 5%
Cash 2%
Property % steadily increasing with every monthly mortgage repayment, S&S % steadily increasing with every monthly pension contribution.
Whilst I continue to add to P2P, the mortgage/pension contributions have reduced my % holding down from 84% in February.
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Post by elephantrosie on Nov 10, 2017 2:49:24 GMT
I'm heavily skewed towards P2P assets, crazily so when compared to others here. I'm significantly younger than the average forumite though so I suspect that accounts for much of the contrast. P2P 81% Property (Home Equity) 12% - I don't count this as an investment but have included for balance S&S (Pension) 5% Cash 2% Property % steadily increasing with every monthly mortgage repayment, S&S % steadily increasing with every monthly pension contribution. Whilst I continue to add to P2P, the mortgage/pension contributions have reduced my % holding down from 84% in February. noob here. what do you mean by stocks and shares (pension)?
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Liz
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Post by Liz on Nov 10, 2017 3:05:48 GMT
I'm heavily skewed towards P2P assets, crazily so when compared to others here. I'm significantly younger than the average forumite though so I suspect that accounts for much of the contrast. P2P 81% Property (Home Equity) 12% - I don't count this as an investment but have included for balance S&S (Pension) 5% Cash 2% Property % steadily increasing with every monthly mortgage repayment, S&S % steadily increasing with every monthly pension contribution. Whilst I continue to add to P2P, the mortgage/pension contributions have reduced my % holding down from 84% in February. noob here. what do you mean by stocks and shares (pension)? He owns stocks and shares through his pension.
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sand2880
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Post by sand2880 on Nov 10, 2017 6:37:43 GMT
some wide variations on here...thought I'd put mine on here and found out it seems quite balanced...these figures exclude any equity in my home.
P2P - 27% (Higher rate platforms 8%+)
Equity - 27%
Property - 26% (Commercial & Residential & mix of funds/crowfunding)
Fixed Interest - 18%
Cash - 3%
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p2pmark
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Post by p2pmark on Nov 10, 2017 7:23:35 GMT
P2P 30%
Equity 60%
Bonds 5%
Cash 5%
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username
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Post by username on Nov 10, 2017 7:47:12 GMT
15% P2P 5% shares 50% crypto 30% cash Hardcore  Would shares in crowd funded property like property partner be counted as property? By shares I mean European and American ETFs - slowly investing there to hedge against the sterling
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Post by investorman on Nov 10, 2017 7:47:37 GMT
15% P2P 5% shares 50% crypto 30% cash A man not afraid of volatility!
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username
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Post by username on Nov 10, 2017 7:55:19 GMT
15% P2P 5% shares 50% crypto 30% cash Wow. How is crypto looking from your perspective so far? I bought £250 of bitcoin ~4 years ago, now worth ~£40,000. Hard to cash in when it could continue to go up! Bought ethereum in June, it's been fairly flat since then (compared to bitcoin), but currently up 10%.
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IFISAcava
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Post by IFISAcava on Nov 10, 2017 8:03:16 GMT
Wow. How is crypto looking from your perspective so far? I bought £250 of bitcoin ~4 years ago, now worth ~£40,000. Hard to cash in when it could continue to go up! Bought ethereum in June, it's been fairly flat since then (compared to bitcoin), but currently up 10%. could easily go down too though - surely worth taking some as profit? if you take £10K, that's a forty fold return on investment in four years banked whatever happens, and a free ride on the rest to keep you in with a shot at being a crypto millionaire? not that I am any sort of investment guru...!
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IFISAcava
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Post by IFISAcava on Nov 10, 2017 8:24:21 GMT
My P2P has been creeping up in % of investment terms, and in percentage of returns (as more and more is now tax free in IFISAs)
non-house non-pension:
P2P 40% (of which ~50% in IFISA, gradually increasing)
Property 8%
S&S 19% (of which ~50% in ISA, gradually reducing)
Wines and Spirits 20% (more if I drink less of them)
Cash 13% (none in ISAs - not worth it)
But P2P will go down to about 32% when tax bill paid in Jan.
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SteveT
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Post by SteveT on Nov 10, 2017 8:30:44 GMT
For what it's worth, given that everyone's life-stage and risk appetite will be different, ours works out as: Stocks / bonds 95% (diversified global portfolio of managed funds, all held in ISAs and SIPPs)
P2P 16% (across 8-10 platforms)
Cash 2% (including cash proxies)
NB. Excludes our home (owned outright) and deferred DB company pensions, state pension entitlement, etc.
Before anyone comments about needing a calculator, the bulk of the P2P is leveraged  |
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ceejay
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Post by ceejay on Nov 10, 2017 8:38:31 GMT
Currently
P2P - 21%
Cash - 33%
Equities - 24%
Bonds - 16%
Other - 6%
I think the P2P number is too high and I'm easing it down. My main problem is that I am not optimistic about any of these asset classes, but it all has to go somewhere. Or, what the hell, I could just spend it...
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