It's 2020, what does your P2P Portfolio look like?

Reduce for a number of reasons 

- move some funds on a short term into tax-wrapped alternatives (this could be easier in p2p; so they loose out) 

- avoid unnecessary losses expected due to the current and potential near future situation


- reduce below 10% of funds in p2p (the FCA suggestion by now does make some sense to me)

- currently better options than p2p elsewhere

- p2p liquidity problem combined with high losses in failed loans (PF funds only half solve this panic-inducing problem)

- reduce number of platforms because diversification across platforms does not seem to work
  (in the future, platforms will have to develop some sort of health indicator for me to invest into them;
   Companies House records are not enough)

I still consider p2p an alternative investment between saving accounts and shares, so will keep some funds in it. 

I'll wish you luck - you may need it!

Not that I think you're wrong, necessarily - but this could play out in a lot of different ways. The biggest unknown is how long it takes us to get on top of the virus (anything from 3 to 18 months?) followed by the speed of recovery / depth of possible depression that might follow.

The stock market will recover, sure - I think there is an excellent chance of that, bordering on certainty. But within a year ... maybe. 

I'll be making some cautious punts in the same direction, but not with any cash that I expect to need inside the next ten years.

No major changes. Just a general reduction across my p2p portfolio. Reduced by approximately 8% since last December.

Assetz Capital- since the recent change of market conditions I'm withdrawing all MLA returns, recent I** pay out and most of scheduled 30/90 day.
Growth Street - slight reduction just before entering 90 day "liquidity event".
Unbolted - more returns than new loan allocations so I'm withdrawing the surplus.
Lending Crowd - the same, very few new loans and some repaid early, making weekly withdrawals.
Ratesetter - on wind down, I've invested a little bit in MAX when the rate went up to 6%, otherwise just withdrawing returns.
Collateral - no changes
Lending Works - reduced by about 35% after the rate of return became uncertain.
Welendus - had a generous hand out last month, reduced by approx. 20%.
Ablrate - only a slight reduction.
Fundingsecure - some pawn loans repaid.
Saving Stream - one of my loans returned a small amount.
Moneything - some small repayments from CSP.
Zopa - on wind down since they've scrapped PF, withdrawing returns weekly. 
Rebuilding Society - slight increase.
Bond Mason - no changes, loans traveled from "watchlist" to "recovery", but no returns from BM.
Huddle Capital - no new loans, just withdrawing returns.
Funding Circle - only 2 live loans left there, some recoveries are still coming in.