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Post by westonkevRS on Jan 3, 2016 21:10:39 GMT
It's the stocks and shares part of my portfolio (in an isa) that I think will outperform p2p over time. 2015 was a bad year for trackers and the very popular vanguard life strategy funds. If we look at a starting point as the 1st Jan 2015, the FTSE 100 tracker is " down" by around 4% and my RateSetter money is " up" nearly 6%. So we are at a 10% head-start already.... Although this ignores dividends, so let's call it 7% behind. That's quite a head start for P2P. Personally I don't think the long term equity returns that the baby boomer's had are going to continue - but nobody knows, that's the issue. I think they enjoyed a golden age.... I'm surprised no "expert" has devised their suggestion on a allocation percentage strategy as yet that includes p2p. If nothing else it would get them as a personality some media attention. If by expert you mean an IFA, they aren't that keen. I know there are some regulatory issues on what they can recommend and peoples risk appetite is an issue. But in my humble sarcastic, cynical opinion - they don't recommend P2P lending because they know there clients might could read about it and see what they should be earning if they came direct (because it's easy and transparent). Also the fees are probably not to their liking. So they'd rather not include P2P in the clients portfolio. I think newspapers should talk more about P2P as an asset class for inclusion within investment portfolios. But all the newspapers tend to report on P2P within unique stories, none have really focussed on the % portfolio aspect, when of course they should.... Kevin
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Post by p2plender on Jan 3, 2016 21:32:13 GMT
sos for o/t but is RS now working to far eastern time?
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Post by Financial Thing on Jan 4, 2016 3:37:20 GMT
The FTSE 100 is a relatively poor tracking product. I would rather put money into P2P than this index. Now the US trackers are a different story, much better performers over the long long long term. For me I factor in risk as a return weight. Yes p2p in its young infancy has performed for some investors but if you could average say 10% in an index fund, I can't see anybody choosing p2p over indexing because of the added risk. At least with an index fund share, you can be relatively certain that the indexes won't go bankrupt and take all your cash. I really wonder how many Trustbuddy investors still have money in p2p? The S&P500 was only down about .5% for the year and if you use dividend reinvestment, you are receiving lower priced shares which will benefit you when the market grows (if you have a buy and hold strategy). I think over the next xxxx amount of years, the US index funds will continue to perform as they have always done. You just have to be disciplined to keep buying through the peaks and valleys and hope when you need the cash, the market isn't correcting. Oh and with index funds, no time needed trying to pounce on good interest rates. P2P can involve a significant time investment. What you said about p2p having a place as a piece of an investment portfolio is spot on.
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Post by westonkevRS on Jan 4, 2016 6:53:36 GMT
sos for o/t but is RS now working to far eastern time? Not sure I understand, but I'm not working in Sydney yet. Yet.... WestonKev.
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Post by p2plender on Jan 4, 2016 7:50:32 GMT
the run seemed to start around 9 pm last night.
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