ian
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Post by ian on Aug 13, 2020 21:13:54 GMT
Ignoring loan #945 (£7.6m) as it hasn't been distributed yet, I make the total amounts £8.415M. There's currently £217M in the AAs (£79M 90DAA, £72M 30DAA and £66M QAA). Before the £8.4M of repayments total AA holdings were therefore slightly over £225M, meaning 3.73% of AA money was repaid rather than 10%.
My calculation using data from loan #237 would be that there is currently ~£220,928,220 lent out in the AAs. Question - is that all retail investors or including institutional investment ??
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IFISAcava
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Post by IFISAcava on Aug 13, 2020 21:18:56 GMT
My calculation using data from loan #237 would be that there is currently ~£220,928,220 lent out in the AAs. Question - is that all retail investors or including institutional investment ?? I haven't seen it disclosed how institutional investment is factored in - depends whether they participate via the AA, or via some separate mechanism.
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ilmoro
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'Wondering which of the bu***rs to blame, and watching for pigs on the wing.' - Pink Floyd
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Post by ilmoro on Aug 13, 2020 21:44:33 GMT
Question - is that all retail investors or including institutional investment ?? I haven't seen it disclosed how institutional investment is factored in - depends whether they participate via the AA, or via some separate mechanism. I thought we'd established that institutional money is separate to retail except the Luxembourg fund which invests via the MLA not the AA.
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ian
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Post by ian on Aug 14, 2020 6:17:15 GMT
My calculation using data from loan #237 would be that there is currently ~£220,928,220 lent out in the AAs. Should be loan #227? You are assuming we all have equal pro rata exposure to each loan - which I’m not sure is the case. Is there weekly / daily rebalancing of the loans portfolios - I’m not sure the product is that sophisticated.
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IFISAcava
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Post by IFISAcava on Aug 14, 2020 8:24:03 GMT
You are assuming we all have equal pro rata exposure to each loan - which I’m not sure is the case. Is there weekly / daily rebalancing of the loans portfolios - I’m not sure the product is that sophisticated. We do - every investor has same proportional allocation in the AAs. And it constantly rebalances behind the scenes.
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IFISAcava
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Post by IFISAcava on Aug 14, 2020 8:24:27 GMT
My calculation using data from loan #237 would be that there is currently ~£220,928,220 lent out in the AAs. Should be loan #227? yes indeed
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r00lish67
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Post by r00lish67 on Aug 14, 2020 8:39:19 GMT
Sorry probably a repeat Q, but is there no way I can see the current discount level of the QAA if I have a withdrawal set? ( I don't have an ISA)
(Man, I'd really like a marketplace view screen!)
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ceejay
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Post by ceejay on Aug 14, 2020 8:55:06 GMT
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chris1200
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Post by chris1200 on Aug 14, 2020 9:21:22 GMT
Sorry probably a repeat Q, but is there no way I can see the current discount level of the QAA if I have a withdrawal set? ( I don't have an ISA) (Man, I'd really like a marketplace view screen!) I'm doing this by clicking 'invest' on the 90 Day Account (because the discount will be the same for all accounts, right?)
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chris1200
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Post by chris1200 on Aug 14, 2020 9:24:54 GMT
Sorry if I've missed this - so many threads now!!  - but has anyone received a repayment distribution since the delayed batch came in after the SM went live? I haven't and just wanted to check I wasn't missing out (given that, I think I'm right in saying, we've concluded that these continue regardless of having a discount set for withdrawals etc?). |
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blender
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Post by blender on Aug 14, 2020 9:31:09 GMT
Sorry if I've missed this - so many threads now!! - but has anyone received a repayment distribution since the delayed batch came in after the SM went live? I haven't and just wanted to check I wasn't missing out (given that, I think I'm right in saying, we've concluded that these continue regardless of having a discount set for withdrawals etc?). Looks like the right thread. There has been no repayment distribution since the SM went live. We have been told (today) by Chris that the distribution algorithm has not been changed, but we have not been told when the next distribution will be made. My guess would be that they wish to see the SM working and settling before throwing more cash into the mix.
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ceejay
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Post by ceejay on Aug 14, 2020 9:41:33 GMT
You are assuming we all have equal pro rata exposure to each loan - which I’m not sure is the case. Is there weekly / daily rebalancing of the loans portfolios - I’m not sure the product is that sophisticated. Not sophisticated at all, at least in this regard, and no rebalancing required. You own a proportion of the whole pot. That's it.
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r00lish67
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Post by r00lish67 on Aug 14, 2020 9:48:31 GMT
Sorry probably a repeat Q, but is there no way I can see the current discount level of the QAA if I have a withdrawal set? ( I don't have an ISA) (Man, I'd really like a marketplace view screen!) I'm doing this by clicking 'invest' on the 90 Day Account (because the discount will be the same for all accounts, right?) Aha, thank you. I had tried that, but your message prompted me to look again, and I realised that I had a weird little <0.01 withdrawal instruction on the 90d variant preventing me from seeing that.
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SteveT
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Post by SteveT on Aug 14, 2020 10:17:34 GMT
Sorry probably a repeat Q, but is there no way I can see the current discount level of the QAA if I have a withdrawal set? ( I don't have an ISA) (Man, I'd really like a marketplace view screen!) You can look at the current market discount by clicking "Invest" in any of your other AA "variants" that doesn't have a withdrawal set up, even an empty one (eg. an empty IFISA 90DAA). However, a "Current Market" display button / pop-up showing the £ sums offered and bid at each discount level is very much still requested! The way that PropertyPartner show their SM is quite neat, using a simple graph that reveals the actual £ figures when you hover over the bars, but a straightforward list would do equally well ( chris / scottassetz) 
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jimth
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Post by jimth on Aug 14, 2020 15:03:52 GMT
Has anyone received an access account withdrawal payment since the lump sum on Wednesday?
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- but has anyone received a repayment distribution since the delayed batch came in after the SM went live? I haven't and just wanted to check I wasn't missing out (given that, I think I'm right in saying, we've concluded that these continue regardless of having a discount set for withdrawals etc?).
