Quote Originally Posted by Finite View Post
I'm talking about the principle staff not the company.

How come your'e cherry picking is more accurate than Harmoneys methods?
Maybe you go into business as a credit scoring agency
There are always those who hope to beat the market. And good luck to them. Personally I take comfort in diversification (over 2000 loans) and it seems to work. That said I don't touch E or F or any business loans (which are sometimes hidden within Other). My overall return is about 20 pips above the platform rate though I did invest quite a lot in the period after rates went up but before investor charges followed suit. Arrears at about 3.5% but again expect these to deteriorate as my book matures.