How can you stay fully invested (CP)

If your happy to lend large amounts per loan in property secured loans then HNW Lending (£10k min, or £5k in ISA) or SoMo (£5k min) might be worth a look. I'm happy enough with both, but not been with either for very long yet. Also CapitalStackers (£5k min) look good, but I haven't tried them yet. 

For £1k minimums, CapitalRise, Proplendand and Landlordinvest are working well for me. I also like Blend for £1k min, but they seriously need to address their autolend before I return to them. 

For lower minimums Kuflink are a direct CP competitor that I'm happy enough with, but I would rate them below CP for many reasons, not least because they charge the borrower much more and give us a bit less on comparable loans. 

I'm managing to keep near fully invested in CP with a mid 5-figure sum. I do pledge manually occasionally when I have larger repayments, which is becoming more difficult now that so many loans are autoinvest only. 

For second charge, so higher risk and reward loans, ABLrate seem to be increasing their property development loans. 

At the other end of the risk/reward scale are Loanpad, who I rate very highly, and have the advantage of instant deployment. 

Plenty to chew on there! 

Yes surprisingly high- if this had been in line with recent loans, excluding "Autoinvest Only"  it would have been 11-12%

It is a lower risk loan being completion of a project. The previous CP lenders are all being repaid with interest from this completion loan.

7.8% interest.

What's not to like?

On the other hand, the recent comparators at this loan size or larger are fairly sparse, so it might just be normal statistical variation.
Or perhaps more was allocated to autoinvest on this one.

Stepped out of this loan.

My accounts seem to have reached a steady state of being almost fully invested now. I currently have only 1% unallocated cash. Only 25% (+ interest) is due to be repaid in the next 6 months, so I'm hopeful it will stay that way for a while. I do make the odd manual investment if the cash builds up too high, but this wouldn't work for smaller accounts as it requires a £500 minimum pledge. 

Hi all,

I'm thinking of joining CP.

Is it understood how the autoinvest algorithm works? It seems to mainly split evenly by £ (rather than by %) with normally a minimum £50, and sometimes a small bump for those with higher set autoinvest amounts? Is that right?

Also, once you've got £500 invested, do you need to keep £500 in to keep using autoinvest, or would that be unnecessary?

Thanks

Thanks for this - very helpful as always.

So for a regular sized loan everyody gets £50 and then anything remaining amount gets split in proportion to pledge size? So like UB?

A new All time LOW of£30 Auto invest pledge today.