Quote Originally Posted by alistar_mid View Post
One thing though you are locked in for 3 or 5 years, but you get about 3% of your capital back every month via natural repayments and loans paid off early, so you do have time to re position your portfolio as you might see the current economic climate changing and potential defaults going up.
Agree, and from what I've seen of published P2P lending numbers from Overseas, there is a fair lag in changes to the economy and the effects flowing into P2P lending (6 months'ish best guess), giving you a reasonable amount of time to make adjustments.