Quote Originally Posted by beacon View Post
Individual performance is as much a matter of luck as it is of an individual's loan picking nous, especially if loan numbers are small in the portfolio, which they are for most retail customers.
I don't see the correlation with luck. Is it luck when you pick shares from one company over another? There is known risk of failure, that's not luck in my thinking.

If you go back away in this thread you'll find a list of loan types to select and avoid based on info from overseas - I can only say that it significantly improves my return by taking those into consideration at both a filter level and at an individual loan level.