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Post by drstarter33 on Sept 23, 2015 0:12:14 GMT
This chart shows my present diversification across platforms. It seems I am too much lured by SS, but I must admit that it has not been an easy task dealing with several platforms. Gradually reducing investments from lendinvest (especially as they still have the unfavourable legal structure of lending to 'them' rather than the borrower, and extension of loans being at their discretion rather than the lenders'). Has any one cooked a similar pie? Attachments:
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Liz
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Post by Liz on Sept 23, 2015 0:20:06 GMT
Wow that's a lot of accounts to monitor.
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bigfoot12
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Post by bigfoot12 on Sept 23, 2015 6:17:46 GMT
Out of interest which software did you use to create the pie chart?
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pom
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Post by pom on Sept 23, 2015 8:18:45 GMT
This one's mine (what would I do without excel?) I don't really refer to it much but it's sitting in my spreadsheet with a few others in case I want it Am working on getting rid of some of the slices, and am growing others (much easier to grow SS now the pre-funding is in place) hence not too bothered about how uneven it is at the moment
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SteveT
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Post by SteveT on Sept 23, 2015 8:41:57 GMT
And here's mine. FC segment now shrinking fast, ReBS on "reinvest only", others growing as opportunities present themselves (so shrinking in the case of MT at the moment!)
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LittleBear
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Post by LittleBear on Sept 23, 2015 9:51:10 GMT
Here's mine. I'm quite a newbie, and Ratesetter has had a couple of months headstart over other platforms. I'm slowly diversifying.
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Post by wiseclerk on Sept 23, 2015 11:23:18 GMT
I don't have a nice pie chart at hand but my distribution is like this Biggest part of portfolio on: Smaller parts at: - Saving Stream
- Auxmoney (running down)
- Lendico
- Zencap
- Investly
- Estateguru
- Ablrate
- Rebuilding Society
- Finbee
- Twino
- Crosslend
Also there is one historic loan part left from my once big Smava portfolio
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Post by wiseclerk on Sept 23, 2015 11:47:01 GMT
The few responses so far show a very widespread diversification across platforms. I wonder if that is due to the nature of the audience of this special forum or really a trend? Anyhow, I am interested in more responses.
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ilmoro
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'Wondering which of the bu***rs to blame, and watching for pigs on the wing.' - Pink Floyd
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Post by ilmoro on Sept 23, 2015 12:28:34 GMT
Here's mine. Winding down the thin slices mostly Attachments:
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Post by tybalt on Sept 23, 2015 12:50:34 GMT
Would not even draw a slice. One investment on Assetz and the whole of the rest of my P2P on ThinCats.
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registerme
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Post by registerme on Sept 23, 2015 12:54:07 GMT
My base state is currently pretty straightforward:-
Zopa ~20% RateSetter ~20% Funding Circle ~20% Saving Stream ~20% ablrate - ~20%
That having been said I'm beginning to see divergence as a result of differing returns. Provisos include:-
Not all investments were made on the same date Occasionally I've put additional funds in and then drawn down to take advantage of various opportunities I expect my weightings to change as my appetite for the different platforms changes
It will change over time, so this is very much a snapshot view.
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stevio
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Post by stevio on Sept 23, 2015 13:07:25 GMT
Very interesting Just a minor point, with those with several platforms, its difficult to match the color on the pie chart to the platform label (3 shades of blue for instance look very much alike in a small low quality picture), so if you can add the label to the pie slice, that would help - me at least with my squinty eyes!
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huxs
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Post by huxs on Sept 23, 2015 13:15:47 GMT
My charting skills are not what they should be so here's mine in a less attractive format:
FS 26% SS 21% MT 16%
FC 13% Unbolted 6% ABL 6% eMoney 6% Mintos 6%
FC is disinvest, MT has been going down due to loans expiring and lack of new loans (but would otherwise be invest), eMoneyUnion loans have dried up and Mintos is very new but may well expand as opportunities, rates and security seem good (just have the ccy risk to worry about).
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Steerpike
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Post by Steerpike on Sept 23, 2015 13:30:02 GMT
Fairly diversified across 9 platforms, with the rest distributed across the other 10. Ratesetter and Wellesley are overweight and dieting because of enticing cashback offers, Zopa is reducing because of poor returns, and others stable or increasing slowly. Overall portfolio value just about static as I feel that my toes are fully wetted.
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rogerbu
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Post by rogerbu on Sept 23, 2015 13:49:04 GMT
This excludes money parked in Wellesley's 30 day account awaiting other decisions. In general running down FC, maintaining/increasing the rest. Overall 'predicted' return is 10.5% - excluding losses which I assume will happeen. So far only one confirmed loss of £150 with another 4 loans at risk
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