SteveT
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Post by SteveT on Aug 26, 2015 12:56:51 GMT
There is a broad range of P2P investors on this forum and it's clear from other threads that there are players from all parts of the financial spectrum (from dabblers to high-rollers). We haven't had a poll for a week or two so I thought it would be interesting to see what the profile looks like. So how much is your total investment across all types of P2P/P2B lending (loosely defined as any platform with a sub-forum on here)?
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Post by bracknellboy on Aug 26, 2015 14:16:24 GMT
Less than I would have if the TC site didn't perform with the agility and speed of an asthmatic with a 30 year long 60 a day habit; or than I would have if AC had had a stronger deal flow over the previous 18 months.
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SteveT
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Post by SteveT on Aug 26, 2015 17:44:06 GMT
After 30-odd votes, the mode, median and mean are all considerably higher than I'd imagined they'd be. Serves to reinforce that members of this forum are some way removed from the "average" P2P lender (judging by platform membership and loan book statistics anyway).
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mikeb
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Post by mikeb on Aug 26, 2015 18:10:46 GMT
Although the raw figures (in £k) may be less relevant than percentage of total wealth/investable wealth ...
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james
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Post by james on Aug 26, 2015 18:19:16 GMT
Yes, percentage of total wealth and percentage outside tax wrappers may be interesting. Something like 90% of my invested money outside tax wrappers is in P2P and it's the tax wrapper changes that will allow a big increase from 15-20% to 50%+.
No surprise if the most frequent participants who've voted so far are relatively large users of P2P because the two go together in terms of time allocation that's worthwhile. Worth saving the result totals later today to see what changes over time as more votes come in, if anything.
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Monetus
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Post by Monetus on Aug 26, 2015 19:02:30 GMT
Yes I agree and would be very interested in seeing how much % of net worth people are investing. Time for a new 2nd poll?  |
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trevor
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Post by trevor on Aug 26, 2015 21:13:50 GMT
Good idea but net worth will need defining. House value? Mortgage?
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james
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Post by james on Aug 26, 2015 22:05:32 GMT
Hmm, one poll for assets so a property I can't invest is included, though it's gross assets not net assets so for anyone with a mortgage it'll magnify the asset level that the P2P is a percentage of, reducing the apparent size of the P2P.
One for net worth but P2P investments can exceed net worth when stoozing, yet the poll tops out at only >80%, and the non-mortgage but uninvestable property is included. I wonder what answer is expected from a stoozer with card borrowing of £50,000, P2P of £40,000 and no other assets. Or a mortgage of £150,000, property value £140,000 and £5k in P2P. negative net worth doesn't seem to be considered.
Investable assets is so much more useful: positive numbers only and only what you can actually invest. Stoozer would report 80%, mortgage would report 100%.
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