adrianc
Member of DD Central
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Likes: 5,156
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Post by adrianc on Oct 6, 2015 19:06:35 GMT
Purely for reasons of continuity I have just checked in on James Marshall, on a positive note his issues with Crohn's Disease, Hair loss and having to work as an IT consultant in France have now all been resolved. Unfortuanately he now has some new life crises to deal with. Someone has a long memory! For those wanting context: My first postCrikey o'Reilly... SS really did NOT get off to a good start here, did they?
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caesium
Member of DD Central
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Post by caesium on Oct 6, 2015 19:54:13 GMT
Apologies, I'm late to this party, but here's mine. Originally I had much larger sums in Zopa but their falling returns and dumbing down of the platform mean I've run it down to almost nothing. Ratesetter is a bit top heavy right now, I'm reducing that in favour of fattening up SavingStream and (as loans permit) MoneyThing. I'm losing faith in AssetzCapital with their lack of loans and confusing website as well.  |
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ribs
Probably not James Marshall
Posts: 148
Likes: 151
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Post by ribs on Oct 6, 2015 20:12:10 GMT
Apologies, I'm late to this party, but here's mine. You may be late to the party, but you can still be the life of it. I've added yours in, it's shifted things a little, but not massively, I'm too lazy to re-upload the pie charts. I'll keep an eye on this thread and update whenever I can be bothered.
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Post by Financial Thing on Dec 14, 2015 15:01:56 GMT
Very interesting thread. I was surprised how heavily weighted some are into the high interest rate platforms.
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kie
New Member
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Post by kie on Dec 15, 2015 18:31:18 GMT
Hi I've been putting money into P2P lending for 18 months now, this is my first post after lurking for 2 years. Here's my ratios:
Rebs: 62.5%, MT(+): 26.3%, AC(-): 11.99%
I would like to try out more platforms but don't have the time.
AC
Great that it's hands off. Can't get money out of frozen loans.
I used to be 50/50 FC and AC, All FC apart from one loan came out in 2 weeks, I'm still waiting on AC to fully divest after more than a year.
Rebs
Terribly slow and hard to use website, some defaults, great rates, loans take months to draw down, like it.
MT
Guarantee of 12% instantly from day of investment, loans are short term so I know I can get my money out in 3 months/6 months if I'm sidelining it for an upcoming mortgage. So far so good.
Thank you for this post, it's been useful to learn what other platforms to try out next. Although I will probably stick with this allocation for the next 12 months.
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adrianc
Member of DD Central
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Post by adrianc on Dec 22, 2015 18:28:47 GMT
We're currently diversified something like this:
RS - 60.5%
FC - 9%
LC - 1% toedip
THC - 10.5%
PM - 4%
SS - 15%
SS is on a gentle upward slope with each new loan launch.
FC is static - I've not started to withdraw... yet. But it won't be long.
LC is not thrilling me as a much hoped-for FC SME platform substitute.
I'm not wanting to get more property exposure.
MT makes the warning hairs on the back of my neck tingle - many of the car valuations look to me to be very optimistic, which makes me worry.
So... where next?
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Post by wiseclerk on Dec 22, 2015 19:11:01 GMT
If you want property have you checked: Lendinvest, Folk2Folk, Estateguru (Euro)?
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Post by solicitorious on Dec 22, 2015 20:05:23 GMT
(+/-) shows where I am trying to increase/decrease my holdings, otherwise currently steady or undecided. And 6 months ago everything looked quite different.  SS 49.2% FS 17.3% AC 12.6% (-) FC 11.4% (-) MT 6.8% (+) RBS 1.7% (-) ABL 1.1% Update SS 50.4% FS 18.7% MT 13.1% (+) AC 10.2% (-) FC 6.2% (-) ABL 1.1% RBS 0.4% (-)
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SteveT
Member of DD Central
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Post by SteveT on Dec 22, 2015 20:46:28 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!) View AttachmentMy portfolio has evolved to: Saving Stream 33.2% Funding Circle 18.0% (-) MoneyThing 15.2% (+) Funding Secure 12.3% (+) Assetz Capital 9.0% Landbay 7.0% ReBS 3.0% (--) Ablrate 2.1% Lending Crowd 0.2%
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ben
Posts: 2,020
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Post by ben on Dec 22, 2015 21:20:09 GMT
Mine is now
Ratesetter - 40%
FS - 5%
SS - 20%
MT- 15%
Assetz - 10%
LW - 2%
Emoney - 2%
PM - 5%
PP - !%
oh and a little bit in FK but not much
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adrianc
Member of DD Central
Posts: 10,041
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Post by adrianc on Dec 22, 2015 22:42:34 GMT
If you want property have you checked: Lendinvest, Folk2Folk, Estateguru (Euro)? No, the opposite - I don't want/need more property.
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Post by Financial Thing on Dec 23, 2015 0:31:50 GMT
Me currently: RS: 19% MT: 18% FC: 15.6% SS: 11% AC: 11% FS: 7.2% PM: 6.7% LB: 5.4% (+) LW: 3.2% (+) LC: 3% PP: 2.8% REBS: 2.2% (-) Mintos: 2%  |
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mikes1531
Member of DD Central
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Post by mikes1531 on Dec 23, 2015 3:11:29 GMT
Me currently: RS: 19% MT: 18% FC: 15.6% SS: 11% AC: 11% FS: 7.2% PM: 6.7% LB: 5.4% (+) LW: 3.2% (+) LC: 3% PP: 2.8% REBS: 2.2% (-) Mintos: 2% How do you keep track and manage all of those? (I'm having enough trouble with just three -- SS, FS, & AC -- plus Z, which I'm ignoring as it runs itself down.)
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Post by Deleted on Dec 23, 2015 10:31:44 GMT
Funding Secure 26%
Assetz Capital 25%
Funding Circle 17% shrinking
Money Thing 15% growing
SS 11%
Rate Setter 6%
I've now reached my target investment with the diversification I wanted (though probably too much property) I'm now concentrating on cash utilisation, I've found if I keep a few hundred pounds in each account I end up with a reasonable sum just "maturing" which, when you do the calculations, ends up knocking 1% off the returns (or over 5 years a considerable amount of money circa £6k). Certain portals make moving money a slow process so I'm now tending to move towards increasing fast cash movers and instant investors, so MT is taking more new (or recycled) cash than FS and SS. On the other hand SS let you pay up after the deal is done, which looks good. So my new target measures are
Reduce idle cash
Strong income streams
High rates (>9.5%) only on good assets and a good story
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p2pmaster
investment is life.
Posts: 128
Likes: 54
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Post by p2pmaster on Dec 23, 2015 11:10:39 GMT
Mintos 58.0% (+)
Bondora 28.6% (-)
Finbee 6.0%
SAVY 4.3%
Twino 2.8% (+)
Omaraha 0.3% (-)
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