Author Topic: What does your "Understanding Your Returns" page look like? Here's mine  (Read 251871 times)

michael49

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #255 on: March 09, 2016, 06:51:02 PM »
Here's my update: (no Folio):

Adjusted Net Annualized Return:   9.18%
Weighted Average Interest Rate:   16.18%
Weighted Average Age of Portfolio: 7.9 mos
Number of Notes: 881
A(0.0%) B (4.1%) C(35.9%) D(35.5%) E(16.9%) F(7.2%) G(0.4%)
36(53.6%) 60(46.4%)

vs All Accounts: 80.69
vs Similar Age Accounts: 76.27
vs Similar Age and WAIR Accounts: 62.70

lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #256 on: March 09, 2016, 11:20:26 PM »
Here's my update: (no Folio):

Adjusted Net Annualized Return:   9.18%
Weighted Average Interest Rate:   16.18%
Weighted Average Age of Portfolio: 7.9 mos
Number of Notes: 881
A(0.0%) B (4.1%) C(35.9%) D(35.5%) E(16.9%) F(7.2%) G(0.4%)
36(53.6%) 60(46.4%)

vs All Accounts: 80.69
vs Similar Age Accounts: 76.27
vs Similar Age and WAIR Accounts: 62.70
Interesting changes.

March (vs February ) UPDATES:
Image: http://i.imgur.com/ycniPWn.png
Image: http://i.imgur.com/zJjvMTo.png
<snip>
« Last Edit: March 11, 2016, 11:45:20 PM by lascott »
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

balto21

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #257 on: March 10, 2016, 03:43:38 PM »

lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #258 on: March 10, 2016, 09:54:42 PM »
http://screencast.com/t/c4n1STpWbR Here is mine!
No Folio
Are you going to regularly update? I'd like to only add people that have unique accounts, long history here, or are going to update regularly. 
Also please supply your screen_captures/pictures (especially the first time pictures are needed for a modest level of verification).

Thanks much.
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

balto21

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #259 on: March 11, 2016, 04:59:44 PM »
Overview: http://screencast.com/t/d01sh2p1
Understanding your returns: http://screencast.com/t/TL4hWLwq07
Note Variety: http://screencast.com/t/1JSitO3yjp

Personal Comments: Very upset that I have not gotten many notes this week. I have not changed my filters so I think that there is something going on at LC.

Reply to your question: I will update a few times a year. Quarterly would be a good assumption. If you are looking for more, than I respect your decision not to add my data.

Either way, it is a great thing that you are doing and keep it up,

lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #260 on: March 11, 2016, 11:42:09 PM »
Overview: http://screencast.com/t/d01sh2p1
Understanding your returns: http://screencast.com/t/TL4hWLwq07
Note Variety: http://screencast.com/t/1JSitO3yjp
Personal Comments: Very upset that I have not gotten many notes this week. I have not changed my filters so I think that there is something going on at LC.
Reply to your question: I will update a few times a year. Quarterly would be a good assumption. If you are looking for more, than I respect your decision not to add my data.
Either way, it is a great thing that you are doing and keep it up,
Quarterly would be 100% fine.  Rem to use this in the future to get the last 3 columns: http://lc.geekminute.com/Home/ANARCompare

Your 'A' percentage was off by quite a bit in the two screen shots you gave me.  They didn't add up to ~100% (my resilency check).

March (vs February ) UPDATES:
Image: http://i.imgur.com/kd74DIT.png
Image: http://i.imgur.com/9mOak12.png
<snip>
« Last Edit: March 21, 2016, 09:56:46 AM by lascott »
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

balto21

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #261 on: March 12, 2016, 11:50:40 AM »
Understood. Must have done it too quickly and messed up the A. Love what you are doing!!!

aliengar0

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #262 on: March 14, 2016, 10:32:52 PM »
my previous update was in january but it lists november for some reason


Here is my march update

Adjusted Net Annualized Return:   11.26%
Weighted Average Interest Rate:   19.49%
Weighted Average Age of Portfolio:   9.2 mos
Number of Notes:   1,268
A(0.2%) B (0.1%) C(4.6%) D(36.6%) E(37.2%) F(18.9%) G(2.5%)
36(26.2%) 60(73.8%)
vs All Accounts: 94.09
vs Similar Age Accounts: 97.02
vs Similar Age and WAIR Accounts: 87.91

lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #263 on: March 14, 2016, 11:18:27 PM »
my previous update was in january but it lists november for some reason

Here is my march update

Adjusted Net Annualized Return:   11.26%
Weighted Average Interest Rate:   19.49%
Weighted Average Age of Portfolio:   9.2 mos
Number of Notes:   1,268
A(0.2%) B (0.1%) C(4.6%) D(36.6%) E(37.2%) F(18.9%) G(2.5%)
36(26.2%) 60(73.8%)
vs All Accounts: 94.09
vs Similar Age Accounts: 97.02
vs Similar Age and WAIR Accounts: 87.91
Thanks. Will update table above.
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

Fred93

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #264 on: March 15, 2016, 09:39:09 PM »
March 15 2016 update for Fred93

ANAR 10.43%
WAIR 13.84%
Avg age 9.1 mo
Notes: 5458 total, 4081 active.  I don't know which of these you prefer.  I've been giving you the active # in the past but someone argued that total is more consistent with ANAR which does include all history.

v all 90.64%tile
v sim age 93.37%tile
v sim age & wair 92.60%tile

A 0%
B 18.5%
C 56.5%
D 18.5%  Yes, B and D come out the same to 3 decimal places; was not planned.
E 6.4%
F & G 0%

36: 23.7%
60: 76.3%

I've shut down most purchase of 60 month loans temporarily, to try to get 36m back > 30%.

balto21

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #265 on: March 17, 2016, 09:18:23 AM »
Understanding returns page - i see a lot more outliers today that are beating the normal returns of LendingClub. Do you think that LC is putting them there as a carrot in front of our noses?

I only marked 2, but there are more now than i have seen in a while.

Quackhead

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #266 on: March 17, 2016, 10:44:25 AM »
Understanding returns page - i see a lot more outliers today that are beating the normal returns of LendingClub. Do you think that LC is putting them there as a carrot in front of our noses?

I only marked 2, but there are more now than i have seen in a while.

Yes, there are a bunch that showed up just in the last day. I saw one >20% yesterday night, and now there are many... heck, I wish I was one of em.

lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #267 on: March 18, 2016, 08:23:04 AM »
out of town. back sunday. will update then
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Fred93

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #268 on: March 18, 2016, 03:45:07 PM »
Did you overlook my update message?

Fred93

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #269 on: March 18, 2016, 11:55:46 PM »
Understanding returns page - i see a lot more outliers today that are beating the normal returns of LendingClub. Do you think that LC is putting them there as a carrot in front of our noses?

I only marked 2, but there are more now than i have seen in a while.

I believe they have accidentally introduced a bug into their software, and these new outliers are just mistakes.  In my case, when I highlight the investors with interest rates similar to me, this becomes really obvious.  Investors with WAIR between 12.84% and 14.84% become red dots.  There is one red dot that's at 20% and one at 23% ANAR.  This graph does not include secondary market trading, so it is impossible to get 23% ANAR with WAIR below 14.84%.   (And these dots occur for seasoned portfolios, so we're not talkin' timing-of-first loan payment issues.)

Therefore, the dots are just wrong.

PS: This evening I sent an email to LC with a screen capture of the chart and my diagnosis. 
« Last Edit: March 19, 2016, 12:03:18 AM by Fred93 »