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Post by thesnoop on May 20, 2015 14:08:30 GMT
Sitting on 13% Flat Annualised return (after fees and bad debts).
Opened Account in Sept 2014.
Spread across 80 businesses.
6% max exposure.
30% of funds invested in property ( I've seen very few other opportunities worth my while on FC since Jan 2015 )
25% of Profit so far from Cashback/ SM sales!
No defaults yet ( fingers crossed )
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Post by goldservice on May 20, 2015 16:26:39 GMT
With so many caveats, perhaps 'What is your AR?' is not the right Q. Would 'Who is using bots and/or flipping a lot?' provide more significant answers?
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Steerpike
Member of DD Central
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Post by Steerpike on May 20, 2015 16:54:44 GMT
With so many caveats, perhaps 'What is your AR?' is not the right Q. Would 'Who is using bots and/or flipping a lot?' provide more significant answers? That would be interesting. After 2+ years I have achieved 9.3% (as displayed on FC) with no BOT or flipping and usually I have significantly less than 5% of my funds not earning. I am in awe of those achieving much higher rates but still feel pleased with over 9% and will be more so if I get to 3 years still at about 8%.
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registerme
Member of DD Central
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Post by registerme on May 20, 2015 17:06:26 GMT
I am in awe of those achieving much higher rates but still feel pleased with over 9% and will be more so if I get to 3 years still at about 8%. My 19.6 is entirely illusory and temporary. Over the longer term I'll be delighted if I get anywhere near 10% (subject to rates generally).
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Post by GSV3MIaC on May 20, 2015 17:54:14 GMT
With so many caveats, perhaps 'What is your AR?' is not the right Q. Would 'Who is using bots and/or flipping a lot?' provide more significant answers? For property loans with a 2% CB you don't even need a bot, just some willing autobuyers at par. Having a bunch of friends you can sign up for the introductory bonus would give you pretty good IRR numbers for a while too.
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Post by ratrace on May 23, 2015 14:18:54 GMT
My return on FC at the moment is 11.2%, l have mostly been buying 18 to 20 month old C- loans on the SM. But just recently l have also started buying new loans in the C and C- markets which l intend to hold for 5 months before selling.
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Post by ratrace on Nov 23, 2015 18:36:03 GMT
Been looking through this old tread and notice that its been 6 months to the day since my last post on it.
So l thought it might be interesting to see how peoples returns have been doing since this thread was opened 6 months ago. My returns over the last 6 months hit a low point of 9% during the summer when l had a default. But since then l have had a steady recovery and its now standing at 12% AR. So all in all am still very pleased to be investing in FC.
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Post by bonfemme on Nov 24, 2015 5:10:02 GMT
I haven't been tracking my annual return but had been keeping a note of my gross yield. Six months ago it was 11.7. It is now 9.8 but that is because I've been liquidating the business loans and investing in CB property parts - plus a few Es here and there. For what it's worth, my current annualised return is 10.9.
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acky
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Post by acky on Nov 24, 2015 10:52:26 GMT
If this refers to the "Annualised return" showing on the FC Summary page, this can be rather misleading. I have two accounts that have been going a year showing about 12%, but one more recently opened account which is showing 27.8% because it's much more heavily influenced by cashback; this rate will inevitably fall back over the coming months.
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fasty
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Post by fasty on Nov 24, 2015 12:42:51 GMT
As the years go past, I'm finding it increasingly difficult to keep it up.
Sorry, it just slipped out.
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Post by ratrace on Nov 24, 2015 16:37:53 GMT
If this refers to the "Annualised return" showing on the FC Summary page, this can be rather misleading. I have two accounts that have been going a year showing about 12%, but one more recently opened account which is showing 27.8% because it's much more heavily influenced by cashback; this rate will inevitably fall back over the coming months. My main investment targets on FC are not the CB loans. Where l really like to invest is the D,E, loans in the PM and SM, l only tend to invest in the CB loans when there is little on offer on the SME loans. Because with the SME loans they can offer high returns with less work involved then flipping the CB loans and don't tie up your money to the same extent.
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