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Thread: Harmoney

  1. #2861
    Senior Member
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    Quote Originally Posted by Saamee View Post
    Personally I never accepted the new T & C's with the 1st Fee change.... Not invested new $$'s here for what... 18 months now..... ( Got you PM ok will do )
    Latest RAR

    RAR.jpg

  2. #2862
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    Hi all, first post here. I've opened an account as in the last few years I've got more serious about making my money work for me and being able to retire at 55 (my goal) which is 24 years away for me. Below is my RAR, circa $2000 invested initially all interest reinvested with top ups to nearest 25$, now about $3k --- no arrears or write offs. I'm looking at branching out into shares and other P2P platforms. My goal is 10-12% returns due to the time I have available.

    20171206_111008.jpg
    Last edited by Timmay; 06-12-2017 at 10:15 AM.

  3. #2863
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    May 2016
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    MY RAR is declining - down about 50 pips even with a slight increase in risk profile (no longer investing in As). Fees are up and rates down but also my charge-offs are climbing. As I posted a while back, according to Zopa in the UK these have been at historical lows in the last few years and are expected to increase in that market. It appears that Harmoney see it differently over here and reduced rates following a period of lower than expected charge-offs. I'm picking returns will continue to reduce but accept that we had it very good for a while with low fees and low charge-offs.

  4. #2864
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    May 2014
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    Rar.jpg

    heres mine

    spikes at beginning are cause I invested another $50k 3 months in

    rare stabilized slowly going down if anything, but like a lot of people my defaults are E's and F's, and I'm making sure my reinvestments are B,C,D avoiding the E's and F's

  5. #2865
    Advanced Member Entrep's Avatar
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    Anyone know what this article is all about? https://www.nbr.co.nz/article/joke%E...ng-cs-p-210923

  6. #2866
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    Quote Originally Posted by Entrep View Post
    Anyone know what this article is all about? https://www.nbr.co.nz/article/joke%E...ng-cs-p-210923

    Behind pay wall.

  7. #2867
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    Quote Originally Posted by 777 View Post
    Behind pay wall.
    yes, give us some screen grabs

  8. #2868
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    Sep 2012
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    christchurch
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    Default write offs as a percentage of gross interest.

    I always thought that my writeoffs (or charge off) as a percentage of gross interest is very high at 21.1% (20.8% after recoveries). That was because my spreadsheet estimated it as just below 10% based on Harmoney's figures. However, I just noted that based on Harmoney statistics today - total charge off $19,076,967 and total interest paid $86,179,074 (10 Dec), the actual overall ratio is a very high 22.14%. So mine is actually below the average!!

  9. #2869
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    Oct 2016
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    Quote Originally Posted by alistar_mid View Post
    yes, give us some screen grabs
    I've just read the article. I suggest you get a subscription to the NBR if you wish to know of its content.

  10. #2870
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    Quote Originally Posted by Investor View Post
    I've just read the article. I suggest you get a subscription to the NBR if you wish to know of its content.

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