FC - staying or going?

I've reduced my target total investment, but still haven't reached that revised target, so I'm continuing to invest until I reach that amount.  With the proceeds from the sale of rejected WL parts, and the poor pickings on the PM, I don't expect to deposit any new money for a couple of weeks at least, and will be in a stable position well before the end of the year.

I've stopped all new investment in SME loans, though I'll take a look at the Investment Trust as a "buy and forget" option for my wife's ISA. I've a much smaller account that's Property only and, whilst I've had to draw cash out recently due to the lack of new 2%CB loans, I'll still churn the CB if they start coming through regularly again. Other than that, it's Game Over.

I've almost completely wound down anything higher risk, and am now only in A/A+ never-offered-to-WL SME and property. I've not bought any SME for a couple of months now, just property, but haven't withdrawn anything. Any 8% A+ or 9% A property's being stripped and flipped (slowly, at par to autobiddies), anything over that's being kept for the mo.

Slightly surprisingly, my AR has actually risen by doing that. How much of that is due to the flipperage, I'm not sure. My net earnings figure is still slightly below interest - only about 7%, though.

Dumped all the SME loans (bar RBR/defaults) at start of the year due to unacceptable level of default & poor comms. Have been faffing around with CB property but even thats dwindling now since dearth of 2% stuff. Down to low 3 figures in total now. I would like to invest in SME on principle but not willing to invest in unsecured loans anymore. PG seems to be Personal Getout for borrowers (and, consequently, me) Might take a look at fund.

For me the fixed rates merely helped me make the decision I was heading for anyway - I got my first loan part at the end of April, met my initial investment target around July, was getting rid of my early low rate parts and was already debating whether the time required was really worth it, had pretty much decided it wasn't but was struggling to kick the habit. Didn't start selling with a vengeance until the auctions dried up, but have got rid of over 70% so far.....and from the way my annualised rate has shot up can see why the flippers loved the old system! Not going to be able to escape completely cleanly as have 19.75 tied up in bad debt, plus I haven't yet decided how aggressively to sell my property loans so its possible I may end up deciding to continue with property or come back later, but at the moment that is highly unlikely. I'd rather spend less time investing larger chunks elsewhere.

there should be a 'going, but miserably waiting for the remains of the sellable investment to dribble thru.' bar on the chart.