Greenwood2
Member of DD Central
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Post by Greenwood2 on Dec 6, 2016 16:35:48 GMT
My loans have also all been low rate recently and I haven't got my Xmas present of 100% invested yet  |
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shimself
Member of DD Central
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Post by shimself on Dec 6, 2016 16:35:53 GMT
75% me. Why does no-one like me?
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Post by stevefindlay on Dec 6, 2016 17:17:38 GMT
Weeeeeeeeeeeeeeeeeeeeee!!!!!!!!!Just got an email from BondMason: Dear Grumpy (you miserable old f*rt),
We are pleased to inform you that your funds are now 100% invested. This means that your investment amount of £****.00 has been fully allocated across a number of loan investments.
Should you wish to increase your investment and add further funds to your account, simply use the following details: (then you can start moaning at us all over again)
Thank you Stephen - at last!!  Now to take you up on the second paragraph. I'd like to point out that was an automated email...however it looks as though our new salutation algorithm is working well... ;-)
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Post by stevefindlay on Dec 6, 2016 17:20:08 GMT
I'm currently at 96.1% invested and my dad's down at 91%. One thing I have noticed recently is the rates on any new investments seems a lot lower, most are at 6-6.5%, as opposed to earlier loans at 11, 12 & even 15.4%. stevefindlay is this representative of most of the new loans coming online nowadays, and if so, coupled with the cash drag, is it fair to say it'll be difficult for new money to achieve the website's target rate, especially after fees? I ask, because potentially we have more funds to invest...many thanks in anticipation of your reply. There's always a mix across 5.5% to 15% (mostly 6.5% to 10%). These will be spread evenly across your portfolio. Although, on any given day you may have a concentration toward a particular rate / loan type. Loan rates are coming down a little across the industry (as you've probably seen), but we don't see any need to reduce the target of 7.0% net after fees at the current time.
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Post by stevefindlay on Dec 6, 2016 17:29:09 GMT
My last 5 loans were between 6.0% to 6.5%, I will take this as it's better than 0%. A question for you Steve, do BM constantly look through the platforms you invest in, secondary markets for loan parts to? I have done this myself, constantly refreshing pages for any little parts, I don't do this now but hopefully BM will do to boost clients investment portfolios closer to 100% invested. Glad to see we are getting closer to fully invested accounts. Keith Keith - yes, we have tools for monitoring and accessing secondary markets. Thanks
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Post by stevefindlay on Dec 6, 2016 17:44:46 GMT
75% me. Why does no-one like me? We like you shimself !
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oldgrumpy
Member of DD Central
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Post by oldgrumpy on Dec 6, 2016 18:43:12 GMT
My last 5 loans were between 6.0% to 6.5%, I will take this as it's better than 0%. A question for you Steve, do BM constantly look through the platforms you invest in, secondary markets for loan parts to? I have done this myself, constantly refreshing pages for any little parts, I don't do this now but hopefully BM will do to boost clients investment portfolios closer to 100% invested. Glad to see we are getting closer to fully invested accounts. Keith Keith - yes, we have tools for monitoring and accessing secondary markets. Thanks   
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nush
Member of DD Central
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Likes: 113
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Post by nush on Dec 6, 2016 20:50:09 GMT
77% invested for me and 2.88% xirr, started my account on the 14/11 so not too bad.
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Post by khampson on Dec 6, 2016 21:02:24 GMT
Keith - yes, we have tools for monitoring and accessing secondary markets. Thanks I'm all for bots that work in my favour 
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shimself
Member of DD Central
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Post by shimself on Dec 7, 2016 8:46:16 GMT
77% invested for me and 2.88% xirr, started my account on the 14/11 so not too bad. No you see SteveFinlay, all your fine words and yet this Johny come lately gets better treatment. 'snot fair. waah
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nush
Member of DD Central
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Post by nush on Dec 7, 2016 9:26:00 GMT
77% invested for me and 2.88% xirr, started my account on the 14/11 so not too bad. No you see SteveFinlay, all your fine words and yet this Johny come lately gets better treatment. 'snot fair. waah and long may it continue, have to say a fair few of my loans are for less than 1 month
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nush
Member of DD Central
Posts: 396
Likes: 113
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Post by nush on Dec 7, 2016 21:17:36 GMT
did i say 77%, should have said 92%
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Post by stevefindlay on Dec 7, 2016 23:48:46 GMT
77% invested for me and 2.88% xirr, started my account on the 14/11 so not too bad. No you see SteveFinlay, all your fine words and yet this Johny come lately gets better treatment. 'snot fair. waah - is your allocation ticking upwards? If not, please let me know, as everyone across the board should be in a pretty good position / trend right now.
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shimself
Member of DD Central
Posts: 2,563
Likes: 1,171
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Post by shimself on Dec 8, 2016 13:01:59 GMT
No you see SteveFinlay, all your fine words and yet this Johny come lately gets better treatment. 'snot fair. waah - is your allocation ticking upwards? If not, please let me know, as everyone across the board should be in a pretty good position / trend right now. yes it's fine really, actually at 90% just now, don't take me too seriously
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keystone
Member of DD Central
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Post by keystone on Dec 10, 2016 15:17:44 GMT
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