Is anybody still investing in Zopa

Let me guess in plus only perhaps. Not being judgemental though as you will see below we all have found it a bit scary at times. I try not to watch even my stats on a monthly basis but more a trend basis. Rates have dropped and we have always struggled to console out rates with zopas advertising.

I'm pulling funds myself for our 4 accounts, and reinvesting in RS and Marcus, but its more a question of diversification than concern at losse4s that said the last Tax years our totla Xirr came in at 5.08%. My accounts have 0.5 early adopter but we were for the most part 10-20% plus and 80-90% core and classic.

The last few months have been quite up and down looking at our NAR's ranging from 60% down to 5% monthly losses. Never did we have any months with 100% losses.

Of course each lender is at the mercy of the market for want of a better term. We did adopt a method of only lending at £10 loans for most of the last 2 years except for when classic (SG cover) was available. 

Not sure that helps you though. Our total balance was nearly 6 figures for the last two years or so so you can imagine at mostly £10 a loan its at quite a high number of loans - a lot of data to play with over 500,000 statment entries on my invest account the longest serving of our 4. The others are getting quite big too.

Zopa does say that half the expected defaults occur in months 5 to 16.  You can use the loan book to look at the maturity of your loans by sorting by loan start date (or use a pivot table etc).  Even allowing for this, I reckoned experience was worse than expected so bailed out.  

I'm out too though I will have a legacy balance for a few years (currently £3k) as it won't sell (bad, late, too small etc).

Both myself and Mrs aju put 5 figure sums up for sale 2 days ago and they went like wildfire very almost immediately in fact. 

Both were ISA side, do seem to have quite a bit of interest adjustment though, not sure why as I thought rates were generally reducing rather than increasing. Seem to have slowed a little but still selling loans daily.

  

I agree on the adjustments, when my loans are finished selling I will be asking for the data on the loans that caused an adjustment so i can check what loans were affected whilst it probably won't help me much it will make zopa work to make this aspect less opaque. It's easy to see how a loan is affected by the fee but the adjustment is way too loose for my liking. In the invest side I'm sure there was an estimate of adjustment - completely way out in reality but there none the less. In ISA sale, however, there was no mention of the loan adjustment value. 

Also there were quite a few NEW loans that had not been in the book for long enough to reach payments I wonder how many of those caused an adjustment.

I wouldnt call it investing as cant access the last money locked in so expect it to go negative in due course......