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Messages - .Ryan.

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Hello folks, I've been casually investing in P2P for about 1.5 years, but I'm not nearly as deep into the mechanics as some of you. So please be gentle! ;) I am interested in investors experiences with using P2P for income generation, specifically strategies around regularly withdrawing profits and keeping the principal amount in play. I have a few questions, but would love to get any and all feedback on investors who have tried this, or even contemplated it. Any advice is appreciated.

I am defining profits as portfolio value over the original investment. Please let me know if there is a better way to do so.

I'm concerned that this strategy would be book runoff, minimizing new note investment (as compared to automatic reinvestment). It seems that many believe that reinvestment offsets the higher number of defaults in aging loans, so decrementing new loan investment would have a magnified negative impact on return. Any truth to this?

In terms of withdrawals, is there any difference (in terms of investment impact) of taking profits every X months, vs. a strategy of taking profits every time they have reached $X?

What is/would be your strategy for income investing with P2P?

Thank you!
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