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Attachment 7604
Here we are with a copy of my graphs. ( I hope?)
My portfolio is clearly waited to the higher risk higher return.
This has come about because I was seeking to balance out lower risk much lower return else ware. I started mainly investing in F, then mostly E & F, and now moving to mostly D,E,F - I am only investing $25 per loan - so am adding additional lower return grades when I cannot find enough loans that meet my criteria to invest the amount I want to. So I expected the curve to move towards lower risk/return over time.
Interestingly I have had a disproportionate amount of Arrears from A, B , C, D considering how little I have invested in them and that they should be lower risk.
Attachment 7605
mine is well spread out
No, not an intentional bell curve, but happy with it and will try to keep it close to what I now have as it seems to be working. Yes I have stuck to 36 month loans since soon after starting, very seldom do I take a 60 month one and generally the loans are in the 3 to 10k region.
Perhaps if I was 10 years younger I would be into more 60 month terms!!!
New here and also just over 1 month old with Harmoney.
Have now invested in 90 different borrowers.
Mainly just 1 x note a trade.
My mind set has been mainly 36 Month and just A & B Grades.
Rather than being greedy and hightening my risk - I see that 12% return from Harmoney is so much better than the approx 3% I get from a high street bank ( 4 times ) that I will make those criteria my 'sweet spot'.
3 of the 90 trades are already in arrears - all within 1 month.
No proactive contact or status updates from Harmoney... but helpful if you call them up and ask for updates.
They informed me that soon they will start Emailing Investors proactively about Arrears and the Status of such arrears.
I am very happy with the Harmoney Investor phone support ( Fiji based ).
The Investing website has been stable and as far as I am aware, accurate for the whle 5 weeks I have been on.
All the best :)