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Post by penguin on Nov 30, 2017 18:56:19 GMT
Zopa 20% (all safeguard - now running down)
RS 9% (happy to maintain at this level; considering reducing from 5 yr to shorter maturities)
Wellesley 19% (deposit from the olden days which I will not renew on maturity)
Lendy 1% (Exeter defaults only. Used to have a much higher balance but now avoiding this platform)
MT 13% (would increase if suitable loans offered)
LI 17% (still pretty happy with LI when they offer non-development assets as security. Rates not great, but they have the most experience in property, in my view)
BM 7% (likely to increase. An ISA would help)
FC 14% (in fact the IT held in a S&S ISA - like the idea of having a guaranteed exit)
Will be moving into Assetz soon
Great thread by the way
P
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msenanna
Member of DD Central
Posts: 73 
Likes: 41
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Post by msenanna on Nov 30, 2017 19:17:21 GMT
I only started in P2P in June so am starting slowly before I branch out into potentially more platforms: MT 13% COL 22%Abl 65% (IFISA) My max bid per lender is also small so get diversification across lenders, not so much across platforms. Some of the platforms minimum bid at £1k is way higher than my current max bid level. I will never be a bighitter! There are plenty platforms with minimum bid ranging from 1p to £100. Diversifying across more platforms is safer, I think. Thank you, I know I should so will treat it as my New Year resolution to get more diversification across the platforms.
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Post by df on Nov 30, 2017 19:44:58 GMT
There are plenty platforms with minimum bid ranging from 1p to £100. Diversifying across more platforms is safer, I think. Thank you, I know I should so will treat it as my New Year resolution to get more diversification across the platforms. Other piece of advice, which might be useful. Look at bonuses offered for signing up. If you a small investor, some of these bonuses can significantly increase you annual return. Many of them can be obtained only by referral. For updated info on bonuses/cash back I recommend p2pblog.co.uk/p2p-reviews/ and www.financialthing.com
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Post by Deleted on Nov 30, 2017 20:02:58 GMT
ABLRate well worth looking at for IFISA diversification if you haven't already. And Steve Findlay hinted at BM developments forthcoming a month or so back. Agree though that AC is the next biggie assuming the allow transfers from the outset. I have a large sum in PP too. Indeed it's my largest single platform investment, more than any of the individual P2P platforms, as I don't have any investment property personally. I would say Brick Lane is a possible BTL diversification that can also be held in an ISA (though the tax free dividend allowance of £5000 means that it may not be that tax efficient to use the wrapper for this). If you are interested there's a referral code that gives you* 6 months of no management fees (usually 0.85% pa) - not much and wouldn't sway ones decision, but worth having if you are doing it anyway. They also have periodic offers to reduce the initial 2% charge to 1% or less (more worthwhile). Much less flexible than PP - what you are really doing is investing in a BTL REIT that they manage for you. But sometimes hands off is easier! I've also got small amounts with Property Moose (not a good as PP IMHO) and UOwn - new, very small, but a niche student HMO market that has high yields. No SM to exit yet, though planned for 2018. Good luck! *disclosure: and me , appreciate the nod towards Brick Lane, they look really interesting. I have little or no knowledge of personally investing in REITs and to be honest I'm currently focusing on hands off platforms as I have other priorities at the moment so they may be ideal. If I do send some money their way I'll be sure to come back for the referral but it might not be until next tax year. As for ABL they are a platform I've so nearly signed up to on numerous occasions particularly since they launched their IFISA but again I'm reluctant to take on more self managed portfolios at the moment as I already find MT and Lendy a handful! Still not ruling it out though. Appreciate the thoughts and opinion!
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kulerucket
Member of DD Central
Posts: 336 
Likes: 93
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Post by kulerucket on Nov 30, 2017 20:29:04 GMT
Good thread. I basically take a scatter gun approach. Currently I am migrating towards easy exit ones because I plan to take a chunk out next June.
EUR
Mintos 15.5% reduce
Swaper 15.4% hold (interest comes out)
Twino 7.6% hold
Grupeer 5.5% hold
ViaInvest 4.9% increase
Omaraha 4.4% reduce
Robocash 4.1% increase
Linked 1.5% increase
Crowdestate 1.5% increase
Estateguru 1.5% increase
Lenndy 1.3% hold
Bondora 1.0% exiting
Flender 0.8% increase
Viventor 0.8% exiting
Finbee 0.6% hold
Iuvo 0.3% hold
Investly 0.2% exiting
Euro Total: 66.9%
GBP
Ablrate 6.9% hold
FundingSecure 6.9% hold
Collateral 6.7% hold
MoneyThing 5.3% hold
WiseAlpha 3.5% hold
Lendy 2.2% hold
PropertyMoose 1.5% exit
GBP Total: 33.1%
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msenanna
Member of DD Central
Posts: 73
Likes: 41
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Post by msenanna on Nov 30, 2017 22:57:32 GMT
Thank you, I know I should so will treat it as my New Year resolution to get more diversification across the platforms. Other piece of advice, which might be useful. Look at bonuses offered for signing up. If you a small investor, some of these bonuses can significantly increase you annual return. Many of them can be obtained only by referral. For updated info on bonuses/cash back I recommend p2pblog.co.uk/p2p-reviews/ and www.financialthing.comThank you! I wasn't aware of the potential for bonuses and one of those websites - off now (well tomorrow) to have a look 
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IFISAcava
Member of DD Central
Posts: 3,692
Likes: 3,018
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Post by IFISAcava on Nov 30, 2017 23:26:37 GMT
ABLRate well worth looking at for IFISA diversification if you haven't already. And Steve Findlay hinted at BM developments forthcoming a month or so back. Agree though that AC is the next biggie assuming the allow transfers from the outset. I have a large sum in PP too. Indeed it's my largest single platform investment, more than any of the individual P2P platforms, as I don't have any investment property personally. I would say Brick Lane is a possible BTL diversification that can also be held in an ISA (though the tax free dividend allowance of £5000 means that it may not be that tax efficient to use the wrapper for this). If you are interested there's a referral code that gives you* 6 months of no management fees (usually 0.85% pa) - not much and wouldn't sway ones decision, but worth having if you are doing it anyway. They also have periodic offers to reduce the initial 2% charge to 1% or less (more worthwhile). Much less flexible than PP - what you are really doing is investing in a BTL REIT that they manage for you. But sometimes hands off is easier! I've also got small amounts with Property Moose (not a good as PP IMHO) and UOwn - new, very small, but a niche student HMO market that has high yields. No SM to exit yet, though planned for 2018. Good luck! *disclosure: and me remember back in Sept/Oct that Brick Lane was mentioned in the Financial Times as one of the top 10 new products of the year(or watch not quite sure) but it seemed to suggest that it could only be held in a stocks & shares Isa.Is that true or are you holding outside an Isa? I am in an ISA but can also be outside, and in a SIPP.
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IFISAcava
Member of DD Central
Posts: 3,692
Likes: 3,018
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Post by IFISAcava on Nov 30, 2017 23:29:33 GMT
ABLRate well worth looking at for IFISA diversification if you haven't already. And Steve Findlay hinted at BM developments forthcoming a month or so back. Agree though that AC is the next biggie assuming the allow transfers from the outset. I have a large sum in PP too. Indeed it's my largest single platform investment, more than any of the individual P2P platforms, as I don't have any investment property personally. I would say Brick Lane is a possible BTL diversification that can also be held in an ISA (though the tax free dividend allowance of £5000 means that it may not be that tax efficient to use the wrapper for this). If you are interested there's a referral code that gives you* 6 months of no management fees (usually 0.85% pa) - not much and wouldn't sway ones decision, but worth having if you are doing it anyway. They also have periodic offers to reduce the initial 2% charge to 1% or less (more worthwhile). Much less flexible than PP - what you are really doing is investing in a BTL REIT that they manage for you. But sometimes hands off is easier! I've also got small amounts with Property Moose (not a good as PP IMHO) and UOwn - new, very small, but a niche student HMO market that has high yields. No SM to exit yet, though planned for 2018. Good luck! *disclosure: and me , appreciate the nod towards Brick Lane, they look really interesting. I have little or no knowledge of personally investing in REITs and to be honest I'm currently focusing on hands off platforms as I have other priorities at the moment so they may be ideal. If I do send some money their way I'll be sure to come back for the referral but it might not be until next tax year. As for ABL they are a platform I've so nearly signed up to on numerous occasions particularly since they launched their IFISA but again I'm reluctant to take on more self managed portfolios at the moment as I already find MT and Lendy a handful! Still not ruling it out though. Appreciate the thoughts and opinion! No prob. You might be interested in a more hands off product that ABLrate are promising to launch very soon. Not much info yet but I suspect will be decent.
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j1
Posts: 61
Likes: 20
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Post by j1 on Dec 2, 2017 18:35:41 GMT
3 way split between moneything, lendy and funding secure.
To be honest although I like the idea of platform diversification 3 platforms is more than enough to learn and handle!
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j1
Posts: 61
Likes: 20
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Post by j1 on Dec 2, 2017 18:36:42 GMT
How does everyone cope with managing so many platforms?
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kulerucket
Member of DD Central
Posts: 336
Likes: 93
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Post by kulerucket on Dec 2, 2017 19:22:41 GMT
How does everyone cope with managing so many platforms? Out of the list I gave, the ones you use +Collateral need the most active management. The rest are pretty passive.
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p2pmark
Member of DD Central
Posts: 218
Likes: 187
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Post by p2pmark on Dec 2, 2017 19:40:32 GMT
FundingSecure 17% (stable)
Moneything 15% (stable)
Collateral 14% (stable)
Unbolted 13% (decreasing)
Growth street 9% (stable)
Mintos 8% (stable)
ABLrate 6% (increasing)
Ratesetter 5% (decreasing)
Landbay 5% (stable)
Kuflink 4% (stable)
Proplend 4% (stable)
Funding Circle 1% (increasing)
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sildenafil
Member of DD Central
Posts: 86
Likes: 60
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Post by sildenafil on Dec 2, 2017 22:32:14 GMT
Collateral 42%
Lendy 28%
MoneyThing 16%
Ablrate 6%
BridgeCrowd 4%
Huddle Capital 4%
Quite a lot has changed from this time last year:
Lendy 65%
MoneyThing 18%
Collateral 8%
BridgeCrowd 4%
LendInvest 2%
Ratesetter 1%
Wellesley 1%
LendingCrowd 1%
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romy
Member of DD Central
Posts: 78
Likes: 41
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Post by romy on Dec 3, 2017 17:18:23 GMT
My percentages
Rate setter 18 steady may increase a bit
zopa 1 decreasing
Lendy 7 decreasing
MoneyThing 19 steady
Assetz capital 22 steady, aim drift down to 20%
Collateral 21 steady, aim drift down to 20%
BondMAson 4 steady
Ablrate 2 increasing likely to add old ISA
The Money Platform 1 likely losses probable leave
Unbolted 3 increasing
Abundance ISA 3 steady
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msenanna
Member of DD Central
Posts: 73
Likes: 41
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Post by msenanna on Dec 3, 2017 20:09:03 GMT
I only started in P2P in June so am starting slowly before I branch out into potentially more platforms: MT 13% COL 22%Abl 65% (IFISA) My max bid per lender is also small so get diversification across lenders, not so much across platforms. Some of the platforms minimum bid at £1k is way higher than my current max bid level. I will never be a bighitter! As a result of good advice and nudges from folks on here my percentages have already changed: MT 20.85%
COL 27.12%
Abl 48.29%
AC 3.7%
Although part of the changes are getting my calculations correct in the 1st place (MT has not changed that much in a few days in reality!).
Am intending to open Unbolted account this coming week having done some of my preliminary research on it and the forums so my % will change further in the coming months.
Would help if MT or COL opened their IFISAs this year although next financial year is rapidly approaching. Am not intending to transfer in previous ISA's, just want to keep my income as tax free as possible.
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