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Post by df on May 29, 2017 14:06:37 GMT
Currently 22%, which is gradually increasing every month, comprising 15 platforms. The largest share (19%) is in AC and the smallest (0.75%) in ReBS.
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gibmike
Member of DD Central
What is a cynic? A man who knows the price of everything and the value of nothing.
Posts: 256 
Likes: 160
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Post by gibmike on May 29, 2017 18:24:58 GMT
Updated my beakdown this month:
P2P 15.30%
Property 40.29%
Cash 4.09%
S&S 34.82%
Other 5.49%
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sg
Posts: 68
Likes: 69
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Post by sg on May 29, 2017 23:55:32 GMT
To answer the question, about 12%. But I don't think of it in percentage terms, for me it's an amount of money that I could lose without it affecting me (less for the kids maybe).
I think this whole sector is far to young for any of us to know how it would handle a property crash of even a small kind, never mind something like 2008 from which my house price and liquidity has yet to fully recover. I treat p2p as the riskiest investments, twice as risky as shares where I have twice as much money, here I think a worst case is a 50% loss. I use a short term (less than 2 years) worst case scenario to determine how much to invest since I am already retired and can't afford to look longer.
Its also important to understand that p2p describes the mechanism and not the asset class and it is probably better to split it down to a lower level to decide investment levels, but because p2p is so young I have no evidence for this. For example if I could get all my p2p money into pawn based loans on jewellery held in safety deposit and underwritten then I would have at least twice as much invested and probably more.
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Post by sannytwist on May 30, 2017 8:58:19 GMT
To answer the question, about 12%. But I don't think of it in percentage terms, for me it's an amount of money that I could lose without it affecting me (less for the kids maybe). I think this whole sector is far to young for any of us to know how it would handle a property crash of even a small kind, never mind something like 2008 from which my house price and liquidity has yet to fully recover. I treat p2p as the riskiest investments, twice as risky as shares where I have twice as much money, here I think a worst case is a 50% loss. I use a short term (less than 2 years) worst case scenario to determine how much to invest since I am already retired and can't afford to look longer. Its also important to understand that p2p describes the mechanism and not the asset class and it is probably better to split it down to a lower level to decide investment levels, but because p2p is so young I have no evidence for this. For example if I could get all my p2p money into pawn based loans on jewellery held in safety deposit and underwritten then I would have at least twice as much invested and probably more. Hi Sg, can't agree enuff with your post. Its all been good lately but at some point p2p will be tested by a economic crash of some sort. When it does happen investors will get burned if they didn't assess their risk corrected.
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james21
Member of DD Central
Posts: 651
Likes: 669
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Post by james21 on May 30, 2017 10:57:17 GMT
Cash 5%
Retail Bonds 25%
Stocks/funds nil (but they are in my SIPP )
Property Bonds 10% they are PtoP but all lumped together in bonds 1 to 5 yr
PtoP 60% all property except small residual amount that I am getting out of (you know the platforms!)
Of the PtoP about 20% of the investments are in quick access platforms
Dont do buy to let, a load of bother for about 5% net return
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Post by bluechip on May 30, 2017 11:14:20 GMT
I've started to pull out of P2P and Stocks now (been very easy with most platforms to sell up).
I'm holding a rolling amount with Assetz, Zopa & Ratesetter simply because even in a run for the door I think I will be quick enough to get mine out swiftly enough and why not get 2-4%. I'm actively selling all my property related loans where I can. Saving Stream has a lot on the market so I am at the back of a long queue, Funding Secure is a nightmare for me, got a decent chunk going nowhere with loads well over the 180 days. Funny thing I noticed when I went to sell on SS and FS is that I have in some cases 3-4-5 loans on the same property/product just named differently - I left it on auto invest with SS at a low amount so it's my own fault and FS I just put £100 in any new loan for about 6 months. Left me with a lot of bad-uns or hard to sell ones at any case. Most on here will be aware of this of course, but thinking I was exposed £200-£300 on one property and the realizing it was 4 or 5 times that with £150k already trying to sell ahead of me was a bit surprising!
I am holding onto some defensive stocks, pm's and playing around a bit with some ETF's.
The rest I'm afraid I have stuck in horrible banks, losing out big time on inflation (and missed profits), but I just have a horrible feeling that this crash is going to be a biggy and property will be hit super hard. P2P I believe are going to really struggle, I've noticed an increase in defaults this year with FC, FS and no doubt other ones that would take too long to investigate fully - the bad stuff hasn't even started happening yet apparently, so when it goes it's going to really be hard to exit. I have been reading a lot of finanical doom porn on certain websites to be totally honest, but I'd rather keep my money in cash and then mop up the remnants when the central banks finally stop propping up the markets.
Can I trust the banks though, hmmm? We have been sucked into gambling so much down to poor returns, I just don't want to be too greedy and fall for the trap, because that rug is in their firm grip and it's due a good yank!
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sildenafil
Member of DD Central
Posts: 86
Likes: 60
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Post by sildenafil on May 30, 2017 19:12:14 GMT
I have been reading a lot of finanical doom porn on certain websites... Some people are pleased very easily 
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ceejay
Posts: 975
Likes: 1,149
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Post by ceejay on Jun 8, 2017 20:29:53 GMT
Interesting thread: I'd been pondering what my target should be. On the "include house or not" question - I think it very much depends on where you are in the process. Right now I would not include my house, because it's just for living in and only in very different circumstances would I seek to extract cash. Two years ago, however, would have been very different: since then, we have "downsized" (financially, not in sq m, by moving to a cheaper area) and extracted a significant amount of cash, which I should probably have included had I been doing this calculation then.
Right now its:
Cash 34%
P2P 23%
S&S 43%
but I'm not at all comfortable with the size of the P2P figure - it kind of got there by accident - and I intend to reduce it well below 20%, in favour of S&S, with cash also reducing (it's mainly as large as it is now because it includes some short term project funds).
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username
Member of DD Central
Posts: 66
Likes: 40
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Post by username on Jun 13, 2017 19:22:14 GMT
P2P 42%
Bitcoin 23%
Cash GBP 21%
Cash AUD 9%
S&P 500 4%
Ethereum 2%
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zendog
Member of DD Central
Posts: 139
Likes: 83
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Post by zendog on Jun 13, 2017 20:20:22 GMT
PENSION FUNDS - 57.0%
CASH ISAs - 21.8%
CASH SAVINGS - 10.6%
P2P (inc IFISA) - 9.9%
INDIVIDUAL SHARES - 0.8%
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IFISAcava
Member of DD Central
Posts: 3,692
Likes: 3,018
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Post by IFISAcava on Jun 13, 2017 22:04:36 GMT
P2P 42% Bitcoin 23% Cash GBP 21% Cash AUD 9% S&P 500 4% Ethereum 2% How/where do you hold the bitcoin and ethereum?
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ozboy
Member of DD Central
Mine's a Large One! (Snigger, snigger .......)
Posts: 3,168
Likes: 4,859
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Post by ozboy on Jun 14, 2017 10:06:13 GMT
P2P 42% Bitcoin 23% Cash GBP 21% Cash AUD 9% S&P 500 4% Ethereum 2% How/where do you hold the bitcoin and ethereum? Yep, it's always good to have a swag of Aussie Dollars username! Yer a bit heavy in Bitcoin though? Far bigger cojones than me! 
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username
Member of DD Central
Posts: 66
Likes: 40
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Post by username on Jun 14, 2017 14:44:57 GMT
P2P 42% Bitcoin 23% Cash GBP 21% Cash AUD 9% S&P 500 4% Ethereum 2% How/where do you hold the bitcoin and ethereum? Blockchain.info and coinbase. Been looking for a decent hardware wallet...
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username
Member of DD Central
Posts: 66
Likes: 40
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Post by username on Jun 14, 2017 14:49:38 GMT
How/where do you hold the bitcoin and ethereum? Yep, it's always good to have a swag of Aussie Dollars username! Yer a bit heavy in Bitcoin though? Far bigger cojones than me! The dollars will be helpful when I move over later this year plus I'm generally worried about the pound - hence the S&P500. I can't help but hold onto the bitcoin, I'm up 5400% since I bought in four years ago!
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username
Member of DD Central
Posts: 66
Likes: 40
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Post by username on Jun 14, 2017 14:50:36 GMT
How/where do you hold the bitcoin and ethereum? Yep, it's always good to have a swag of Aussie Dollars username! Yer a bit heavy in Bitcoin though? Far bigger cojones than me! And I prefer to call them dollarydoos
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