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Post by dan808 on May 9, 2015 1:43:21 GMT
What I would like to know is whether there is any substantial benefit in someone (or a small team) managing the loans as opposed to the lender clicking the button which automatically allocates monies to dozens or hundreds of borrowers. Say for instance I were to spread $10m USD across a number of P2P platforms, would I earn more with one option or the other and why? Take into consideration that I'd have the time to manage these loans with a small team.
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Post by wiseclerk on May 9, 2015 7:14:52 GMT
If I understood it correctly your question is whether you can achieve a better ROI if you select loans on your own criteria from listings rather then using the autobid function most marketplaces provide.
It will depend on the marketplaces, but for many marketplaces this will be true (at least if you do not put a price tag on the time spent). In the US there are already 3rd party solutions to automate the selection and bidding process for investors and there will in in Europe soon too (that greatly reduces the time needed for management and increases chances of getting into loans that are interesting but fill very fast).
Hope that answers your question. If you meant it differently, pls explain and I'll try again.
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david42
Member of DD Central
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Post by david42 on May 9, 2015 9:40:57 GMT
What I would like to know is whether there is any substantial benefit in someone (or a small team) managing the loans as opposed to the lender clicking the button which automatically allocates monies to dozens or hundreds of borrowers. Say for instance I were to spread $10m USD across a number of P2P platforms, would I earn more with one option or the other and why? Take into consideration that I'd have the time to manage these loans with a small team. Your suggestion has already been done in the form of this investment trust that invests in P2P loans.
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