What % of your entire portfolio is in P2P

50% cash (will be down to 15% once the market corrects)
30% stocks & bond funds (will be up to 65% when market corrects)
13% p2p
7% alternative investments

I still think p2p looks attractive despite capital gains. Savings rates are poor (not willing to jump through all those hoops for promo variable rates which will all be reduced soon enough), stock market is looking like a pussy zit ready to pop (ugh), BTL expensive entry point. Hedge funds to me present too much risk weighted on picking out one that will do well without asking for your 1st borne in fees.

No easy solution at the moment plus everyones needs and risk tolerances are different.

Some quite well off people on here.
Your isa/pension is almost the same amount as your 2+ properties? Are your properties cheap or are you just rich?

Wondering how many on here 'could' currently pay off mortgage, but choose not to as the return from P2P vastly out ways the current interest on the mortgage?

I could have paid mine off around 12 years ago, but opted to change it to an offset mortgage instead, which meant I had the cash available should I ever need it, as it happens I never have done, I think i've 3 or 4 payments left to make on it and i've paid a sum total of 2p interest in all that time, more to do with a calculating glitch as my account has always been in credit, if I had nothing better to do with my time I would write to them and ask for it back!


My approximate spread:

House      20%
Property   20%
Business   40%
Shares     1%
P2P          2%
Cash        17%

I currently feel overweight in P2P but the time I've been investing in SS/FC/FS and AC I've made a good return and haven't had any major head aches (non the less still my guard up) I would say this is around a good 75-80 percent. I'm aware I'm overweight.

I'm only 18, so my investments into shares such as HL funds have been brief and it is too early to tell how I feel about risk for return in the stock market, managed or not. I currently only hold about 3 percent in shares, I'm looking to expand this by using interest/capital repayments form P2P to top up.

My remaining capital is in a range of current accounts (123, TSB, Tesco) and Cash ISA for the time being. However this is going to need to quickly change with the cuts that are practically certain in this niche market currently.

Interesting thread, its always interesting to see other investors attitude towards risk!

Whilst I assume that contributors to this forum take any outstanding mortgages into account when they include their primary residence in their “portfolio / wealth” I believe that many people don’t understand how a mortgage works, don’t realise that the lender has a secured interest in the property and even fail to comprehend that the mortgage has to be repaid, otherwise why would there be so many borrowers with interest only mortgages and no plan to repay the capital amount?


www.theguardian.com/money/2015/sep/04/million-interest-only-mortgage-repossession-citizens-advice


www.thisismoney.co.uk/money/howmoneyworks/article-3260616/How-understand-mortgages-quiz-beat-UK-average.html


As a result of this many suppose that if they buy a property for say £250k with a mortgage of £200k and have no other assets they are immediately worth £250k and of course any increase in house prices means an increase in their imagined “wealth”


It doesn’t take an “expert” to see that there are problems ahead.