Godanubis
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Anubis is known as the god of death and is the oldest and most popular of ancient Egyptian deities.
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Post by Godanubis on Oct 11, 2018 14:13:57 GMT
Lots of people on here like to bash P2P as being risky and unrealisable . The resent activity in stock markets and cryptocurrency should be a wake up to everyone. I have similar amounts in P2P and Various stock market investments. Over the past 6 months ,particularly last few weeks there has been a 20% diffence in their returns. My carefully managed and highly diversified P2P investments have returned >15% after defaults being assumed 100% loss .
My capital has NEVER reduced over several years in P2P. Although still up over 5 years in stock markets the return is at least half that of P2P.
With Brexit and Donald Trump the current environment is not one that suits stocks and shares.
I personally find the slow relentless constant positive returns from P2P to be relatively reassuring.
What are your experiences?
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hazellend
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Post by hazellend on Oct 11, 2018 14:21:53 GMT
I like both, but prefer the stock market as you don’t need to monitor it all the time like P2P.
I just buy and hold
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r00lish67
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Post by r00lish67 on Oct 11, 2018 14:38:47 GMT
Lots of people on here like to bash P2P as being risky and unrealisable . The resent activity in stock markets and cryptocurrency should be a wake up to everyone. I checked share valuations this morning given the general press 'alarm'. I note that VWRL (standard Vanguard world tracker) is a little bit above what it was in April this year. I'm not even metaphorically stirring in my sleep. Call me when it drops another 15% (and I'll buy more).
Cryptocurrency is an entirely different kettle of fish, and if you're in the business of picking individual stocks/shares, then anything can happen.I have similar amounts in P2P and Various stock market investments. Over the past 6 months ,particularly last few weeks there has been a 20% diffence in their returns. "The last few weeks" or even 6 months is not an appropriate amount of time to assess stock market returns. Needs to be 5+ years, where the returns have been excellent.My carefully managed and highly diversified P2P investments have returned >15% after defaults being assumed 100% loss . My capital has NEVER reduced over several years in P2P. Although still up over 5 years in stock markets the return is at least half that of P2P. It's perfectly possible that you will experience a string of defaults or a catastrophic platform failure and your capital may reduce in P2P. Just because it hasn't happened, doesn't mean it won't ever.With Brexit and Donald Trump the current environment is not one that suits stocks and shares. There's always always, bad news about that would make it seem a bad time to enter the stock market. Think over the last few years - Trump, Brexit, N.Korea, Ukraine, Greece crisis, terrorism, natural disasters etc etc - all accompanied by rising stock markets.
I personally find the slow relentless constant positive returns from P2P to be relatively reassuring. Unless several of your loans default in short order, or another platform goes pop.What are your experiences? See my comments in blue. I invest in both, would never go wholly P2P personally.
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Post by df on Oct 11, 2018 14:39:29 GMT
I like both, but prefer the stock market as you don’t need to monitor it all the time like P2P. I just buy and hold Many p2p platforms don't need monitoring either. LW, Landbay, GS, QAA/30Day (AC), Unbolted (very low maintenance), RS (depending on the strategy you choose) spring to mind.
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r00lish67
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Post by r00lish67 on Oct 11, 2018 14:41:50 GMT
I like both, but prefer the stock market as you don’t need to monitor it all the time like P2P. I just buy and hold Many p2p platforms don't need monitoring either. LW, Landbay, GS, QAA/30Day (AC), Unbolted (very low maintenance), RS (depending on the strategy you choose) spring to mind. LW, Assetz and RS are the platforms I'm monitoring most closely, personally.
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reinvestor
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Post by reinvestor on Oct 11, 2018 19:04:54 GMT
Being very deep into Fevertree I’m very glad I put stop losses in place!
I haven’t for other shares and have had a bit of a kicking in the last couple of days.
Win some, lose some!
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Godanubis
Member of DD Central
Anubis is known as the god of death and is the oldest and most popular of ancient Egyptian deities.
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Likes: 1,013
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Post by Godanubis on Oct 11, 2018 19:44:00 GMT
I like both, but prefer the stock market as you don’t need to monitor it all the time like P2P. I just buy and hold Some p2p have loans that are long terms with interest paid upfront. I find aggressive managment reaps rewards and if you can sell before due your default rate is restricted to the few you can't sell all of which should be 0.1-1% of your total.
As with all gambling knowing when to get out is the hard part. Stock losses are a must
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hazellend
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Post by hazellend on Oct 11, 2018 19:55:24 GMT
I like both, but prefer the stock market as you don’t need to monitor it all the time like P2P. I just buy and hold Some p2p have loans that are long terms with interest paid upfront. I find aggressive managment reaps rewards and if you can sell before due your default rate is restricted to the few you can't sell all of which should be 0.1-1% of your total.
As with all gambling knowing when to get out is the hard part. Stock losses are a must
Heard it all before. Not interested. Stock market goes up and down, but in the long term it will go up (don't invest if you disagree with this).
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Post by stevefindlay on Oct 11, 2018 20:43:12 GMT
Many p2p platforms don't need monitoring either. LW, Landbay, GS, QAA/30Day (AC), Unbolted (very low maintenance), RS (depending on the strategy you choose) spring to mind. LW, Assetz and RS are the platforms I'm monitoring most closely, personally. BondMason is the only investor-only platform that enables you to sit back and relax, with three years of average net returns of 6% pa to clients. And some exciting developments in the pipeline...making things even simpler...
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Post by df on Oct 11, 2018 20:48:38 GMT
Many p2p platforms don't need monitoring either. LW, Landbay, GS, QAA/30Day (AC), Unbolted (very low maintenance), RS (depending on the strategy you choose) spring to mind. LW, Assetz and RS are the platforms I'm monitoring most closely, personally. Interesting. Would you mind explaining why you need to monitor LW? I logged in few times at the beginning to see how the queue is moving and several times later when repayments started coming in. It all seems to work fine and you get a weekly e-mail saying that the rate is still 6%, so I've stopped logging in. To me LW seems very straight forward "fire and forget" platform. I wonder if there is much more to it. I monitor AC more than any other platform, but If someone invests only in QAA/30day they don't really need to monitor. Similarly with RS. If one invests a lump sum and sets up reinvestments at market rate it should all work maintenance free. The down side is that you are not in control of rates.
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zlb
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Post by zlb on Oct 11, 2018 20:49:00 GMT
LW, Assetz and RS are the platforms I'm monitoring most closely, personally. BondMason is the only investor-only platform that enables you to sit back and relax, with three years of average net returns of 6% pa to clients. And some exciting developments in the pipeline...making things even simpler... what are the exciting developments? Equity tax class??
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TitoPuente
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Post by TitoPuente on Oct 11, 2018 20:52:26 GMT
My carefully managed and highly diversified P2P investments have returned >15% That sounds very interesting. I wonder if you could provide a bit more colour. There were 21% loans at FC and 15% loans at Collateral. However keeping a >15% return in P2P is very impressive.
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Post by stevefindlay on Oct 11, 2018 20:55:11 GMT
BondMason is the only investor-only platform that enables you to sit back and relax, with three years of average net returns of 6% pa to clients. And some exciting developments in the pipeline...making things even simpler... what are the exciting developments? Equity tax class?? Simpler and faster investment deployment Improved tax structuring Better diversification Tighter spread of client returns (so all clients get closer to the average) ...you'll have to wait for the rest ;-) Hopefully out this year, just waiting for FCA sign off.
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sarahcount
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Post by sarahcount on Oct 11, 2018 21:17:15 GMT
I was wondering the same. (replying to df )
Just logged into LW for the first time in ages and everything looks fine. Re-investments going in automatically etc.
On RS I'm withdrawing interest and capital automatically so no need to log in. (Unlike FC and Z which I have to do manually every week or so)
On AC I just have very small amounts across multiple MLA loans so just go in occasionally to re-invest returns on feel rather than DD.
It's FS, MT and ABL that takes the time. Ly used to in their prime and COLL less said the better.
In regard to S&S I rarely check. The beauty of Vanguard type funds is than you can just sit back and invest for the long term.
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Post by df on Oct 11, 2018 21:29:04 GMT
LW, Assetz and RS are the platforms I'm monitoring most closely, personally. BondMason is the only investor-only platform that enables you to sit back and relax, with three years of average net returns of 6% pa to clients. And some exciting developments in the pipeline...making things even simpler... In theory, but in practice I keep monitoring. My "cash in bank" stays at 9-10% for quite a while now, which is sustainable, but I'm worried that it can go higher and I might need to action on this so I keep logging in about once a week. And when I'm there I also want to check "your investments" section... Not exactly relaxing, but at least not stressful if to compare with some other platforms 
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