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Post by red_panda on Nov 13, 2016 20:22:37 GMT
I have about 18% of my investments in P2P, which I'm increasing at a rate of 1% per month. I'll probably stop at 30%. Currently I'm in 4 platforms, planning to get into a 5th one next year. At the moment my average loan investment is about 1.5% of the total P2P investments. I think I'm doing it alright.
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Post by Deleted on Dec 3, 2016 22:19:05 GMT
Well that's my current P2P pot fully invested, currently 20% of total savings.
I like to think I'm decently diversified across platforms, established/new, private/business/property and managed/automatic/manual investment.
Zopa 14%
Ratesetter 27%
Funding Circle 9%
Saving Stream 18%
Moneything 18%
Bondmason 14%
Hopefully next Lending Works if they launch their IFISA next month, assuming the queue isn't round the block ......
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min
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Post by min on Dec 4, 2016 0:13:42 GMT
Well that's my current P2P pot fully invested, currently 20% of total savings. I like to think I'm decently diversified across platforms, established/new, private/business/property and managed/automatic/manual investment. Zopa 14% Ratesetter 27% Funding Circle 9% Saving Stream 18% Moneything 18% Bondmason 14% Hopefully next Lending Works if they launch their IFISA next month, assuming the queue isn't round the block ...... Each to their own. Personally I've tried Z and RS and think that what they offer is too little return. Wellesley were a better bet but they're a bit short on returns now. Think you're missing the obvious. Why no AC?
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0risk
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Post by 0risk on Dec 4, 2016 0:34:44 GMT
I am on SS, AC and Mintos.
It seems Mintos isn't popular here, but it fits well for diversification: euro, baltic countries, several types of loans.
There are plenty of 11-13% with buyback guaranteed by the loan originators, for loans that are 60 days late.
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Post by justdabbling on Dec 4, 2016 13:38:31 GMT
I now have 19% of savings in P2P split as follows:
Abundance - 38% (because of ISA with 12%)
SS - 38% (because it is easy to build up without having to log on at specific times)
MT - 8%
FS - 5%
Coll - 8%
RS - 5% (because of sales incentive, now not available)
Probably over-invested in renewable energy now but that was a reaction to feeling helpless after the Trump election!
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elliotn
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Post by elliotn on Dec 4, 2016 13:57:18 GMT
Haven't looked at Abundance much yet, is that where your ethically Green investments are?
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Post by Deleted on Dec 4, 2016 14:28:50 GMT
Well that's my current P2P pot fully invested, currently 20% of total savings. I like to think I'm decently diversified across platforms, established/new, private/business/property and managed/automatic/manual investment. Zopa 14% Ratesetter 27% Funding Circle 9% Saving Stream 18% Moneything 18% Bondmason 14% Hopefully next Lending Works if they launch their IFISA next month, assuming the queue isn't round the block ...... Each to their own. Personally I've tried Z and RS and think that what they offer is too little return. Wellesley were a better bet but they're a bit short on returns now. Think you're missing the obvious. Why no AC? honestly I got into Zopa and FC when my knowledge was pretty minimal. I'm currently drawing down on both platforms. As for ratesetter I'm in for at least a year to pick up the £100 bonus then reassess. There are definitely other platforms which interest me including AC but I'd be spreading myself a bit thinly currently as my portfolio is limited compared to some!
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Post by Deleted on Dec 4, 2016 14:34:08 GMT
I am on SS, AC and Mintos. It seems Mintos isn't popular here, but it fits well for diversification: euro, baltic countries, several types of loans. There are plenty of 11-13% with buyback guaranteed by the loan originators, for loans that are 60 days late. I'd definitely be keen on investing outside of the UK but perhaps a bit early for me and more reading required. You sell Mintos well though!
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Post by Deleted on Dec 4, 2016 14:37:44 GMT
I now have 19% of savings in P2P split as follows: Abundance - 38% (because of ISA with 12%) SS - 38% (because it is easy to build up without having to log on at specific times) MT - 8% FS - 5% Coll - 8% RS - 5% (because of sales incentive, now not available) Probably over-invested in renewable energy now but that was a reaction to feeling helpless after the Trump election! I love these stats, thanks for sharing. I'm very intrigued by the green Abundance IFISA. I was relying on Lending Works launching this tax year to open my first IFISA but the rate isn't stellar and lead times are already poor. I'd definitely be interested in going with Abundance but I imagine I'd struggle to suitably diversify my money with them by April??
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Post by Whitbourne on Dec 4, 2016 16:52:44 GMT
I am on SS, AC and Mintos. It seems Mintos isn't popular here, but it fits well for diversification: euro, baltic countries, several types of loans. There are plenty of 11-13% with buyback guaranteed by the loan originators, for loans that are 60 days late. I'd definitely be keen on investing outside of the UK but perhaps a bit early for me and more reading required. You sell Mintos well though! I am also on Mintos because for complicated reasons I already had a Euro bank account. I agree they are good - it is a well-designed and transparent site, with a good spread of lenders. Also do have a look at www.twino.eu/ which is simple and accepts GBP investments. They too have loans with buyback guaranteed. It is not as sophisticated as Mintos but a good way to diversify.
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pom
Member of DD Central
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Post by pom on Dec 4, 2016 17:25:36 GMT
justdabbling I love these stats, thanks for sharing. I'm very intrigued by the green Abundance IFISA. I was relying on Lending Works launching this tax year to open my first IFISA but the rate isn't stellar and lead times are already poor. I'd definitely be interested in going with Abundance but I imagine I'd struggle to suitably diversify my money with them by April?? New deals are certainly sporadic...you could probably pick stuff up on the SM but stuff on sale there will likely be longer term so may not have the liquidity you want.
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Post by justdabbling on Dec 4, 2016 17:31:08 GMT
I now have 19% of savings in P2P split as follows: Abundance - 38% (because of ISA with 12%) SS - 38% (because it is easy to build up without having to log on at specific times) MT - 8% FS - 5% Coll - 8% RS - 5% (because of sales incentive, now not available) Probably over-invested in renewable energy now but that was a reaction to feeling helpless after the Trump election! I love these stats, thanks for sharing. I'm very intrigued by the green Abundance IFISA. I was relying on Lending Works launching this tax year to open my first IFISA but the rate isn't stellar and lead times are already poor. I'd definitely be interested in going with Abundance but I imagine I'd struggle to suitably diversify my money with them by April?? There are two new projects at the moment plus opportunities to bid for older ones on the secondary market, called 'bulletin board'. Everything seems to sell at a premium on the bulletin board so there is a good chance of being able to sell existing investments when new opportunities arrive and so gain more diversification in future. The older projects tend to have higher projected returns because the subsidies for renewables were higher in the past and continue to apply for the set period of time. Also, if energy production is up and running then there is less risk so I am bidding for shares in some of the older projects. I transferred money from an abysmal cash ISA from previous years so I have not used this year's ISA allowance with Abundance.
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littonowl
Member of DD Central
Posts: 398
Likes: 355
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Post by littonowl on Dec 4, 2016 18:17:15 GMT
I now have 19% of savings in P2P split as follows: Abundance - 38% (because of ISA with 12%) SS - 38% (because it is easy to build up without having to log on at specific times) MT - 8% FS - 5% Coll - 8% RS - 5% (because of sales incentive, now not available) Probably over-invested in renewable energy now but that was a reaction to feeling helpless after the Trump election! I love these stats, thanks for sharing. I'm very intrigued by the green Abundance IFISA. I was relying on Lending Works launching this tax year to open my first IFISA but the rate isn't stellar and lead times are already poor. I'd definitely be interested in going with Abundance but I imagine I'd struggle to suitably diversify my money with them by April? @nirish As justdabbling says, there's a 12% biomass bond and a Swindon 6% solar project available now on Abu, with a wind turbine project in the pipeline for later this month. There's also an active BB/SM where you can diversify further, though you will more than likely have to pay a premium if you go this route...Worth checking the Abu board for more details...
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Post by Deleted on Dec 4, 2016 18:35:31 GMT
justdabbling I love these stats, thanks for sharing. I'm very intrigued by the green Abundance IFISA. I was relying on Lending Works launching this tax year to open my first IFISA but the rate isn't stellar and lead times are already poor. I'd definitely be interested in going with Abundance but I imagine I'd struggle to suitably diversify my money with them by April? @nirish As justdabbling says, there's a 12% biomass bond and a Swindon 6% solar project available now on Abu, with a wind turbine project in the pipeline for later this month. There's also an active BB/SM where you can diversify further, though you will more than likely have to pay a premium if you go this route...Worth checking the Abu board for more details... Not sure I have the time or inclination to bid on the SM with other sites to monitor and a young family to spend time with. I'm very much caught in two minds therefore between getting into an ISA now or waiting to see who else launches. I very much like what I see with Abundance but how many loans are likely to launch between now and April. Ideally I'd want 10+ so I'm not too exposed to individual loans.
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Post by martin44 on Dec 4, 2016 19:44:44 GMT
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