Post by benaj on Jul 5, 2018 9:24:59 GMT
Before FC launched the Balanced and Conservative lending option, Zopa launched the Core and the Plus.
The lesson I learnt from Zopa Plus is the expected return could be the same as zopa core (3.6-4%) in the unfavourable scenario and the real return was lowered than originally quoted as 7%
It seems there is a possibility FC balanced expected return could be as low as 5% or even lower, or same as conservative. With the data collected by the third party, the default rate in UK p2p lending is increasing since 2017, I am going to lower my expectations for 2018.
only time will tell.
The lesson I learnt from Zopa Plus is the expected return could be the same as zopa core (3.6-4%) in the unfavourable scenario and the real return was lowered than originally quoted as 7%
It seems there is a possibility FC balanced expected return could be as low as 5% or even lower, or same as conservative. With the data collected by the third party, the default rate in UK p2p lending is increasing since 2017, I am going to lower my expectations for 2018.
only time will tell.