So what interest rate are you actually earning.

For me 3.6% core 4.1% plus

For the wife 3.3% core 2.6% plus. Her performance page gives the helpful comment:

“It looks like your current NAR for Plus is below target. This might be because your loans have had a higher than expected default rate so far”  we’ll i’ll Be damned - surely not!

As an early adopter (2005) I get a bonus 1% so i’m Not displeased with 4.6% and 5.1%. But it’s still shocking compared to what I get on RS (before recent changes) and AC (for 90 day money), hence my investment dropping from well over £100,000 to about £20,000.

The wife’s portfolio performance on £16,000 invested is appalling. It beggars belief, actually.

To be honest I can’t think of a reason for investing in a p2p with no provision fund. In fact I can’t think why I would invest in an under delivering platform that offers no security backing for its loans and no provision fund, well I suppose Zopa is the platform least likely to collapse. That’s it’s only unique selling point, and I hold as diversification only.

Assetz Capital 90 day, 30 day and QAA for new funds until Zopa delivers the returns it advertises.

The poor Zopa products seem to imply to me that they attach more importance to their banking initiative.

I've been investing for 19 months, Plus account only.

My XIRR is currently 5.12%.

I did switch off relending and withdrew repayments for 6 months from March this year. Now relending again. Currently have ~75% of my original capital invested.

Zopa isn't one of my preferred platforms, it's really only held as a very small part of my pot for diversification. Now under 1% of total p2p investments. I was considering increasing as I have new funds to invest, but I've had too many defaults recently. Will probably hold and watch for now.

Our XIRR's have been taking a hit in Zopa of late - we made some sell outs to move funds across to RS back in June. We are relending in Zopa ISA again but the defaults do seem to be hitting our XIRR's quite a bit. As I have said before we may hold on until Mar to give it time to fully stabilise but the last couple of months have been very close to the down side. 

As a whole investment - 4 products (2 each) we are still at 4.5% so not all is lost and we have some clear profit to cover things but it does look increasingly like the good days in zopa for us are almost over. I'm loathed to sell at at 1% but if we can do it but keep the PF cover still then perhaps we will have to consider it. 

Many who know me know we are only trying to cover inflation tax and get a little on top so its a fine line we are nearly down to.

I calculate things over 12 months to give a good picture, some of those months earnings were down to almost nothing but the average is still dropping on my accounts..  

For me the risk v return equation has now left Zopa. My ISA return over the preceding last nine months worked out at a (annualised) measly 1.9%. I had already reversed out of the non-ISA a/c and made the decision to sell out rather than run down. I have now successfully sold out the ISA and transferred to RS. I have projected that the higher return (still only 4%) will repay the Z sale in about five months time. Annoying shifting money around but it had to be done. The only hassle is I now have c. 10% of loans unsold which I will now just run down. Happy to be away from Zopa now which is abit sad as I have been with them for over twelve years. Things are constantly changing in the P2P arena and we all have adapt as we see fit. Everyone has slightly different views here, some have specific grievances, but there is a clear(ish!) picture of what's going on. I see that the platform's that get too expansive and stray away from their core business get in trouble and lose their customer base. My personal choice [for now!] is in order:   RS, LW

Hi yes I might try that. I would have to say that Z stuck quite well to their 1% fee...some other costs as expected but [for me] a good exercise and a relief to have got it done. I have another non-P2P ISA maturing in May and now torn between transferring in to another P2P platform or a stocks/funds ISA. My Funds have outperformed all the P2P platforms so it is a dichotomy. With P2P platforms gradually becoming unattractive full portfolio diversity is shrinking amongst all the asset classes.

I've been lending through Zopa since 2010. This made an IRR of 5.9% to 2017 after which the old safeguard (Classic) account has been running down. The IRR since then has been 5.2%.

I also have an ISA started in 2017 with a mixture of Core, Classic and (mostly) Plus loans, IRR to date 4.25%.