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.
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