Quote Originally Posted by BIRMANBOY View Post
However there is no growth to be had here. Its not like a good share that will grow in value the longer you hold it. I think the downside here is bigger and conceivably could involve bigger losses if the industry doesn't turn out or becomes saturated with too many entities fighting for a piece of the pie.
How do yo compare it to the likes of investing in corporate bonds or finance companies - which are its true competition, not shares. I compare it to the finance companies, the difference from the finance companies of old is you are actually being compensated properly (or at least better) for the risk you are taking on.

And if you end scenario does take place, just start withdrawing funds, rather than reinvesting. You might not pick exactly when competition gets to tough but most of you money will be in older loans so you shouldn't be overly impacted unless you have been increasing your investment recently.