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Post by roni88 on Jan 8, 2015 9:57:48 GMT
I'm trying to figure out who invest in Peer to peer platforms.
The majority are sophisticated investors? Ordinary people? People that come with a financial background?
Are you familiar with relevant research?
or, do you know where can I find the answers to these questions?
Thanks,
Roni.
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Post by tybalt on Jan 8, 2015 10:43:37 GMT
You might try a direct approach to the various providers. ThinCats published a chart by age about two years ago. They do not as far as I am aware hold any form of demographics on professional background. I have not come across any breakdown across the industry as a whole.
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Post by GSV3MIaC on Jan 8, 2015 14:12:15 GMT
IT and finance both, me .. but note to the OP .. you'd do better to post this just once on the general forum, rather than once each time (duplicated) on the individual P2P site ones.
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Post by mellbreak on Jan 11, 2015 17:21:50 GMT
As well as demographics of P2P investors, it would be interesting to see a distribution graph showing the amounts that people have invested. How much has the typical investor put in? Are there a lot of small investors and a few big ones, or is the distribution fairly even? What is the most anyone has invested? Has this changed with time?
I asked this on the FC forum a few days ago, but nobody has followed it up there.
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Post by oldnick on Jan 11, 2015 17:54:00 GMT
As well as demographics of P2P investors, it would be interesting to see a distribution graph showing the amounts that people have invested. How much has the typical investor put in? Are there a lot of small investors and a few big ones, or is the distribution fairly even? What is the most anyone has invested? Has this changed with time? I asked this on the FC forum a few days ago, but nobody has followed it up there. This poll was in November 2014 on the Assetz Capital board. Its unlikely that all of the platforms will have the same investor profiles though.
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pikestaff
Member of DD Central
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Post by pikestaff on Jan 11, 2015 22:12:19 GMT
On TC, as reported by the platform:
Minimum £1,000
Median £21,000
Average £53,813
Maximum £2,641,600 (!)
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Post by batchoy on Jan 11, 2015 23:10:54 GMT
As well as demographics of P2P investors, it would be interesting to see a distribution graph showing the amounts that people have invested. How much has the typical investor put in? Are there a lot of small investors and a few big ones, or is the distribution fairly even? What is the most anyone has invested? Has this changed with time? I asked this on the FC forum a few days ago, but nobody has followed it up there. This poll was in November 2014 on the Assetz Capital board. Its unlikely that all of the platforms will have the same investor profiles though. The big question though is how representative 85 votes is given that there are supposedly over 6700 lenders on the AC platform.
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Post by bracknellboy on Jan 12, 2015 8:42:51 GMT
On TC, as reported by the platform: Minimum £1,000 Median £21,000 Average £53,813 Maximum £2,641,600 (!) I like to stand out in a crowd.
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Post by mostlywrong on Jan 12, 2015 10:47:55 GMT
When I started investing with FC in 2012, I think the average sum lent per investor, which I calculated from FC's headline figures, was just over £3k. At the moment, it is roughly £13,500. However, I have realised that the headline figures don't tell the whole truth although they do show how quickly FC is growing! Unless FC releases more detailed fgiures, we can only guess at the distribution of sums invested and the makeup of investors. MW (who is a small, furry creature of indeterminate age and gender with about £11.20 riding on a recently decorated toilet for another 40 months at 5.5% gross).  |
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blender
Member of DD Central
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Post by blender on Jan 12, 2015 14:53:12 GMT
Does your £13,500 take into account the whole loan lenders and HMG/BBB? It seems a bit high for the individual lenders.
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Post by mostlywrong on Jan 13, 2015 11:03:03 GMT
Does your £13,500 take into account the whole loan lenders and HMG/BBB? It seems a bit high for the individual lenders. Under Statistics on your front page, FC shows: Amount lent £484,552,080 36,291 investors in the UK So, the average today is £13,352 per lender. I assume that the "Amount Lent" includes every penny from HMG which would put it well to the right hand side of any distribution graph. I now realise that the headline figures serve only to show FC's growth. They don't show loans repaid, investors who have dropped out, bad loans, recoveries etc. To calculate the underlying figures, I would have had to grab the Loan Book on a weekly basis and manipulate the data. I don't have the time, computing power, disk space or the inclination! I agree that £13,352 sounds a bit high for individual lenders. My guess is that there are several very large lenders which skew the average. MW
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blender
Member of DD Central
Posts: 5,719
Likes: 4,272
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Post by blender on Jan 13, 2015 11:19:35 GMT
Hi mostlywrong. You need the amount of outstanding loans rather than total lent and that is on the statistics page. Then you need to subtract the amount lent by HMG and the BBB (which can be estimated but requires work) and then I think you should remove the whole loan lenders amount which would, as you say, require some work on the loan book using Excel (sum of outstanding amounts where number of loan parts = 1). We do not know the number of whole loan lenders but it will be negligible and so you could then divide by the number of lenders given (which I think is now lenders rather than those registered) and would get an average holding for partial loan lenders. Someone might feel like doing something like that. The distribution would be more useful, but impossible for us.
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Post by transo on Jan 13, 2015 11:36:14 GMT
Hi mostlywrong. You need the amount of outstanding loans rather than total lent and that is on the statistics page. Then you need to subtract the amount lent by HMG and the BBB (which can be estimated but requires work) and then I think you should remove the whole loan lenders amount which would, as you say, require some work on the loan book using Excel (sum of outstanding amounts where number of loan parts = 1). We do not know the number of whole loan lenders but it will be negligible and so you could then divide by the number of lenders given (which I think is now lenders rather than those registered) and would get an average holding for partial loan lenders. Someone might feel like doing something like that. The distribution would be more useful, but impossible for us. From my last loan book download at the weekend I make it £381m of partial loans that we've all filled, vs £101m of whole loans. That's a surprisingly large amount of whole loans in the short(ish) time they've been going. Assuming that the number of whole loan investors is insignificant that would put the average per lender at £10.5k. It would be reasonable to deduct about 10% of this to allow for the portion the BBB has taken, so call it £9.5k. Looks like I'm well below average then 
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Post by mostlywrong on Jan 13, 2015 11:45:59 GMT
Hi mostlywrong. You need the amount of outstanding loans rather than total lent and that is on the statistics page. Then you need to subtract the amount lent by HMG and the BBB (which can be estimated but requires work) and then I think you should remove the whole loan lenders amount which would, as you say, require some work on the loan book using Excel (sum of outstanding amounts where number of loan parts = 1). We do not know the number of whole loan lenders but it will be negligible and so you could then divide by the number of lenders given (which I think is now lenders rather than those registered) and would get an average holding for partial loan lenders. Someone might feel like doing something like that. The distribution would be more useful, but impossible for us. From my last loan book download at the weekend I make it £381m of partial loans that we've all filled, vs £101m of whole loans. That's a surprisingly large amount of whole loans in the short(ish) time they've been going. Assuming that the number of whole loan investors is insignificant that would put the average per lender at £10.5k. It would be reasonable to deduct about 10% of this to allow for the portion the BBB has taken, so call it £9.5k. Looks like I'm well below average then Clearly, I haven't been paying attention... I don't understand the reason for differentiating between "whole loans" and "part loans". Are you suggesting that a single entity is taking up the whole of a single loan? And how would we (I) know? Presumably from the Loan Book? MW
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Post by GSV3MIaC on Jan 13, 2015 13:36:25 GMT
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