Author Topic: Just use A/B/C LC notes for Asset Alloc (Stocks and P2P vs Stocks and bonds)  (Read 25517 times)

edward

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Using lascott's website mentioned above where he did the 3-year calculation, I came up $15,000 principal, earning 8%, will yield $100/month with only a $1,000 decrease in value after 30 years. Just a quick way to think about a quasi lifetime income concept using P2P. I know this is assuming a lot of factors, but just thought I'd share it. It was an interesting calculation to me.

lascott

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Using lascott's website mentioned above where he did the 3-year calculation, I came up $15,000 principal, earning 8%, will yield $100/month with only a $1,000 decrease in value after 30 years. Just a quick way to think about a quasi lifetime income concept using P2P. I know this is assuming a lot of factors, but just thought I'd share it. It was an interesting calculation to me.
You may like this thread:
Title: Estimate how long money will last withdrawing $x amount?
http://www.lendacademy.com/forum/index.php?topic=3002.0
Tools I use: (main) BlueVestment: https://www.bluevestment.com/app/pricing + https://www.interestradar.com/ , (others) Lending Robot referral link: https://www.lendingrobot.com/ref/scott473/  & Peercube referral code: DFVA9Y

mchu168

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Recent article that discusses the liquidity implications of bond funds and interest rates (indirectly): http://www.theguardian.com/business/2015/jun/01/the-liquidity-timebomb-fiscal-policies-have-created-a-dangerous-paradox

This will not be a big deal for most investors unless one can't stomach paper losses or one is forced to sell due to margin calls.

kya

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Recent article that discusses the liquidity implications of bond funds and interest rates (indirectly): http://www.theguardian.com/business/2015/jun/01/the-liquidity-timebomb-fiscal-policies-have-created-a-dangerous-paradox
exactly! i just started to buy an closed end municipal bond fund (vki) selling near 52 week low yielding 7% ish fed tax free.... put on a 1/3 position and will put on the next third if price drops another 5-6% and another third down 10-12%

lascott

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Ran across these old articles related approximately to P2P vs Bonds

Bonds Vs. Peer Lending: Differences In Risks
Jan. 9, 2014 2:46 PM ET
http://seekingalpha.com/article/1937421-bonds-vs-peer-lending-differences-in-risks

Should You Invest In Lending Club: A Statistical Analysis
Sep. 6, 2013 7:58 AM ET 
http://seekingalpha.com/article/1677392-should-you-invest-in-lending-club-a-statistical-analysis
Tools I use: (main) BlueVestment: https://www.bluevestment.com/app/pricing + https://www.interestradar.com/ , (others) Lending Robot referral link: https://www.lendingrobot.com/ref/scott473/  & Peercube referral code: DFVA9Y