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I'm with Zopa, RateSetter, Funding Circle, and Wellesley, so pretty mainstream as far as P2P goes, and invested for 18 months to 3 years on average, so again pretty normal stuff. For the time being I've chosen not to chase the 12% returns, but perhaps that's short-sighted; is there much of a point in 'only' getting around 5% when with a bit more effort that could be doubled?

I'm not very concerned about losing capital on my existing loans, but I await with interest the time when I want to withdraw cash from any of the account.
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