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  1. 21-04-2018, 10:22 AM #1
    myles
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    Err, the retail RAR is 12.4'ish...

    Why do people constantly compare themselves to the platform RAR when it should be the retail RAR? If your RAR, as a retail investor, is below 12.4, you're below the average of your 'peers'...
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  2. 21-04-2018, 10:46 AM #2
    beacon
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    Quote Originally Posted by myles View Post
    Err, the retail RAR is 12.4'ish...

    Why do people constantly compare themselves to the platform RAR when it should be the retail RAR? If your RAR, as a retail investor, is below 12.4, you're below the average of your 'peers'...
    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. But of course, it is a valid way to segment, and benchmark.

    Benchmarking to the platform RAR seems more appropriate to me for my purposes, and hence I have talked about it more, as it measures HM loan vetting performance, which I (and the institutional lenders - 75%+ of the HM Loan book) am forced to predominantly rely on. But, to each their own.
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