SteveT
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Post by SteveT on Aug 14, 2015 12:40:27 GMT
I have what I assume to be a reasonably well diversified MLIA (but no GEIA or GBBA holdings). My "Your Average Interest" rate figure on my Dashboard is 10.95% and I wondered where this sits in the range of other AC investors. I've relatively little in loans that are accruing default interest but nothing in the 6.5% rate loans either so I guess I'm probably about average. Anyone care to share?
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jonno
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nil satis nisi optimum
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Post by jonno on Aug 14, 2015 12:48:56 GMT
I have what I assume to be a reasonably well diversified MLIA (but no GEIA or GBBA holdings). My "Your Average Interest" rate figure on my Dashboard is 10.95% and I wondered where this sits in the range of other AC investors. I've relatively little in loans that are accruing default interest but nothing in the 6.5% rate loans either so I guess I'm probably about average. Anyone care to share? Mine is showing 12.41% and like you, no GEIA or GBBA. I am however in more defaulting loans than I would like. Without these, I reckon 10.95% sounds pretty good.
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niceguy37
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Post by niceguy37 on Aug 14, 2015 12:51:28 GMT
I'm at 12.65%.
It depends on the type of loans you go for and how risk-averse you are. Another major factor for some is how much of your portfolio is in "default loans" earning a higher interest rate, especially an early series of large bridging loans (Kent/Epping/Anglesey/Ipswich etc) now accruing 18%.
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Steerpike
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Post by Steerpike on Aug 14, 2015 13:08:08 GMT
Yes, similar profile to you, 10.71%, although I have reduced my AC holding by about 30% this year.
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unmadem
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Post by unmadem on Aug 14, 2015 13:40:46 GMT
dashboard showing 11.59% but by my calculation once estimated losses taken into account (mainly plumbing) comes down to 9.3%
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am
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Post by am on Aug 14, 2015 13:54:15 GMT
9.76%, including a smidgen (~6%) in GEIA/GBBA. However only 0.4% of the book in distressed loans.
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Post by pepperpot on Aug 14, 2015 13:57:47 GMT
Dashboard figure of 11.65% for me, fluctuated from c11.2-11.7 this year. Virtually nothing in the high yielding bridges, the only reasonable sized 18% holding is Spond*n. Couple of recent 15%ers has helped keep it up. I've been relatively cautious and with the welsh hotel now out of suspension, <1% of my book is suspended. The most worrisome loan I have is Optical, but I was quite light in it anyway (now stands at c0.5% of AC book, 0.15% of total P2P book) If you want to be made to feel like a wimp though, ask ramblin rose or chris  |
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ianb
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Post by ianb on Aug 14, 2015 15:09:02 GMT
11.39%, with ~15% in suspended loans, despite pursuing my wimpy strategy.
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duck
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Post by duck on Aug 14, 2015 15:47:27 GMT
Personal 12.13 Business 11.40 Partners GBBA ummmmm not 7% yet, 1K awaiting investment
I have expected losses in ''switch and plumbers and a few others where my holding is below £200. Sold on a lot of loans before default interest became payable. 10.75-11% is my ball park depending on recovery. I have a different strategy with my business account to suit its needs in the short/mid term. Ball park about the same.
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tonyr
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Post by tonyr on Aug 14, 2015 16:54:09 GMT
I have a dashbaord rate of 10.93% and am 99.6% invested, so expect to really be getting 10.9%.
I have some Wood* Holiday Park, but not a lot and I expect a fully recovery on that sometime next year.
I also have some Welsh hotel which is trading again and I'm not selling until I need the cash for something else.
All in all, pretty good really.
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ramblin rose
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“Some people grumble that roses have thorns; I am grateful that thorns have roses.” — Alphonse Karr
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Post by ramblin rose on Aug 14, 2015 17:28:42 GMT
Dashboard figure of 11.65% for me, fluctuated from c11.2-11.7 this year. Virtually nothing in the high yielding bridges, the only reasonable sized 18% holding is Spond*n. Couple of recent 15%ers has helped keep it up. I've been relatively cautious and with the welsh hotel now out of suspension, <1% of my book is suspended. The most worrisome loan I have is Optical, but I was quite light in it anyway (now stands at c0.5% of AC book, 0.15% of total P2P book) If you want to be made to feel like a wimp though, ask ramblin rose or chris  It's gone down since Acne paid out - now only at 14.5% on the dashboard  100% invested since I chomped up some more Aber yesterday, but about 30% is unsurprisingly tied up in suspended loans that may not yield the full coupon. Ah, life on the edge.
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Post by chris on Aug 14, 2015 18:06:11 GMT
Dashboard figure of 11.65% for me, fluctuated from c11.2-11.7 this year. Virtually nothing in the high yielding bridges, the only reasonable sized 18% holding is Spond*n. Couple of recent 15%ers has helped keep it up. I've been relatively cautious and with the welsh hotel now out of suspension, <1% of my book is suspended. The most worrisome loan I have is Optical, but I was quite light in it anyway (now stands at c0.5% of AC book, 0.15% of total P2P book) If you want to be made to feel like a wimp though, ask ramblin rose or chris It's gone down since Acne paid out - now only at 14.5% on the dashboard 100% invested since I chomped up some more Aber yesterday, but about 30% is unsurprisingly tied up in suspended loans that may not yield the full coupon. Ah, life on the edge. Don't worry, I too am a grubby rate chaser at 14.6%
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jonah
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Post by jonah on Aug 14, 2015 18:11:01 GMT
I'm at 11.4. I was going to ask how you managed such a rate, but a sort by rate showed me a surprising number over 14... Most one I'm no where near due to their length of time in 'suspended '. I guess the 68% could also help!
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ramblin rose
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“Some people grumble that roses have thorns; I am grateful that thorns have roses.” — Alphonse Karr
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Post by ramblin rose on Aug 14, 2015 18:19:15 GMT
I guess the 68% could also help! Not convinced that's going to help anyone - it isn't contributing to my average, thank goodness.
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star dust
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Post by star dust on Aug 14, 2015 23:45:11 GMT
Thought I was on the wimpish (or is that RS boring) side too, but my figures aren't that low after all at 11.8% MLIA and ~ 15% in the suspended (but not unsuspendable). I've got a largish chunk in GEIA at the moment though watching draw-down dates disappear over the horizon! Must do something about that soon...... There was a similar thread once before. Going off to compare results, will report back if I find it. It's here if anyone's interested, and at a quick glance, although over six months ago, it doesn't look that radically different. My own results were I think similar although I didn't post the MLIA my dashboard was only 0.1% point higher than it is now! and I had a slug go GEIA then too. Hm did get rid of GEIA completely at one point must repeat the performance. |
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It's gone down since Acne paid out - now only at 14.5% on the dashboard 
100% invested since I chomped up some more Aber yesterday, but about 30% is unsurprisingly tied up in suspended loans that may not yield the full coupon. Ah, life on the edge.
