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05-07-2017, 05:39 PM
#2371
Member
Index funds like Smartshares ETFs have been around for over 10 years so they are time tested. Only time will tell if Harmoney's gamified platform is a good way to invest your hard earned money. The jury is still out.
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05-07-2017, 07:23 PM
#2372
Member
Originally Posted by icyfire
Index funds like Smartshares ETFs have been around for over 10 years so they are time tested. Only time will tell if Harmoney's gamified platform is a good way to invest your hard earned money. The jury is still out.
Zopa was founded in 2004. The book has never posted a loss. P2P is very much like credit card debt (or other consumer finance). Should fare well in a recession if properly diversified but you never know....
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05-07-2017, 07:25 PM
#2373
yeah, nah
Originally Posted by icyfire
Index funds like Smartshares ETFs have been around for over 10 years so they are time tested.
You seem to have completely missed the point. I'll not persist.
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05-07-2017, 07:44 PM
#2374
yeah, nah
Originally Posted by alistar_mid
Other (lego... lol) - $1.53
Awesome investment
$50 in Shares + $10 in P2P + $40 Cash ('high' interest - in motion - FX -> NZD on up-cycles - where to put it???)
Got to get me some lego!
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05-07-2017, 08:09 PM
#2375
Member
Originally Posted by myles
Awesome investment
$50 in Shares + $10 in P2P + $40 Cash ('high' interest - in motion - FX -> NZD on up-cycles - where to put it???)
Got to get me some lego!
haha, well I'm a big star wars fan and loved lego as a kid, so I started buying them to mess round with. Soon noticed there was a real community around it with the rarer sets going for multiples of what they came out at.
So now that I have the means, I usually buy up 2 of every set that comes out - always trying to get it on the cheap (20% warehouse pre x mas toy sale + 20% shareholder discount combined for 36% off ftw).
Soon realised I had a tonne of lego, so added it to the balance sheet!
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06-07-2017, 03:43 PM
#2376
Member
20170706_154131.jpg
Mine took 6 to 9 months to level off also.
Note the dip was first lot of arrears
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06-07-2017, 06:39 PM
#2377
yeah, nah
Thanks Whitt - those graphs tell a great story for newbies.
On a completely different topic: bankruptcies - could they become the bane of P2P lending?
Baby boomers struggling financially
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07-07-2017, 02:52 PM
#2378
Member
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07-07-2017, 03:31 PM
#2379
Member
Originally Posted by icyfire
meh not worried at all it only scored 19% on RT
7th.JPG
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07-07-2017, 03:39 PM
#2380
Member
Also, kinda getting pissed at all these defaults now. Almost a year in, still less than 1% and I'm sure my weighted average annual default rate > 1%
Attachment 8975
All my defaults are grade E's
Last edited by alistar_mid; 07-07-2017 at 03:50 PM.
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