Weslyan?

jamesd

Now, about consistency been performing very well.

Over what time period? We've been in a bull market for equities since early 2009 so any claims based on time periods that don't go back further than that don't reflect the true long term picture. There's also been a bull market for bonds for longer than that but which is gradually showing sings of ending because it's hard to get people to buy bonds that have negative interest rates for long. What this also means is that prices are now high so more money has to go into the hidden pot to allow for performance reverting to mean in the future.

What does very well mean in real numbers? Much of my money these days is in peer to peer lending where I'm normally getting raw interest rates of over 12% a year from places like Ablrate and MoneyThing, though I allow 2% for possible bad debt and anticipate around 10% taxed as interest. How do they compare to that? How do they compare to average share, bond and commercial property tracker funds?