Lend Academy Network Forum

Lending Club Discussion => Investors - LC => Topic started by: trevor on August 18, 2015, 02:24:02 PM

Title: What does your "Understanding Your Returns" page look like? Here's mine
Post by: trevor on August 18, 2015, 02:24:02 PM
Be sure to increase the minimum number of notes and decrease the portfolio concentration percentage so it's more accurate.


Show me yours I'll show you mine:

(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2Fd8VjTXG.png&hash=d4ada903117b08689f9435e9aaec4dcc)


And here is where you can find it:
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2Fw2nsfia.png&hash=4da2d61270d8530b0ddead9135255566)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: megamx26 on August 18, 2015, 02:40:03 PM
Great thread, I'm hoping others contribute.  My avg age is only 0.4 months since I'm loading in aggressively.  I'll have stuff to show in a few months.  I'm curious if people can also post what their grade composition is so it's more relevant to the strategy they're going with.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on August 18, 2015, 07:30:34 PM
Thought it would be fun to play in google spreadsheets to compare P2P investing "philosophies". First time I used conditional formatting w/color scale. Sorted by A, B...G %s. [update]Sorted by WAIR.[/update]

To add yours it is preferable just attach the screens like others or cut-n-paste an image. See info below on where located.

March (vs February {or prevs qtr}) UPDATES:
Image: http://i.imgur.com/DOgwBpz.png
Image: http://i.imgur.com/4dRk4eo.png
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2FDOgwBpz.png&hash=c39c8215c27b4e0b4992c5cd940bb0e7)
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2F4dRk4eo.png&hash=3752fee32540ce47a1019a9f64aeda66)

How YOU can provide the data to this thread summary:
PeerToPeerQuant (P2PQ) calculator: https://www.peertopeerquant.com/percentile-calculator
Term and Grade composition: https://www.lendingclub.com/account/lenderAccountDetail.action
Understanding Your Returns %s: https://www.lendingclub.com/account/lenderBenchmarkReturns.action#what-are-nar

Image: http://i.imgur.com/8yp8Tuo.png
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2F8yp8Tuo.png&hash=ff80ffc1c9a071c669ac9003f7afeac7)
How YOU can provide the data to this thread details:
Purple box "Understanding Your Returns" (C,D,E,F) from
   https://www.lendingclub.com/account/lenderBenchmarkReturns.action#what-are-nar
Pink box "My Account # More Details" (G..M) from
   https://www.lendingclub.com/account/lenderAccountDetail.action
Green box "My Account # More Details" (N,O) from (click Term)
   https://www.lendingclub.com/account/lenderAccountDetail.action
Blue box "P2PQ % Calc" (P,Q,R)  from (or I can do this)
   http://lc.geekminute.com/Home/ANARCompare

Some people may not want to expose/state how much money they have invested in LC notes. Totally get that.  Number of notes give a general idea (minimum: #notes * $25).

How about providing all the numbers in the chart except the number of notes?

Table update log:
[update 28Oct2015 11am: update w/rubicon's info]
[update 21Oct2015 11am: Several people provided updates]
[update 29Aug2015 9am: Conditional formatted the account age]
[update 29Aug2015 8pm: updated RaymondG, LovingLifeStyle, storm ANARs to use combined & all 3 P2PQ]
[update 28Aug2015 9pm: updated CircleT009, added Edward Reid]
[update 27Aug2015 8am: added rawraw, kitono,Lovinglifestyle]
[update 26Aug2015 11pm: added Peter Renton]
[update 24Aug2015 8am: added jheiser]
[update 22Aug2015 4pm: added Simon Simon -- http://www.lendingmemo.com/returns-2015-q2/]
[update 22Aug2015 9am: added jonpildis, CircleT009 and lascott ROTH]
[update 20Aug2015 9pm: updated P2PQ for storm and altern P2PQ for RaymondR]
[update 20Aug2015 5pm: updated P2PQ for aliengar0]
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: megamx26 on August 18, 2015, 09:27:46 PM
@lascott  :  curious, why are you going more conservative?
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: RaymondG on August 18, 2015, 10:55:08 PM
The Combined & Adjusted Net Annualized Return (ANAR) overall is 10.64%. I really wish LC can draw this chart with Combined ANAR which is more accurate return for accounts that have traded on FolioFn.
The green dot is the Combined ANAR of the portfolio using latest loan filtering method for past 1.5 years. Its Weighted Average Rate is 18.3%, and has similar loan compositions like the whole account. I am glad that my interest received is more than 3 times of loss from all non-performing loans.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on August 18, 2015, 11:33:35 PM
@lascott  :  curious, why are you going more conservative?
a) Because I'm using this money long term and feel it will be a lot more stable in some future economic downturns.

b) This turned out well as I was building up my portfolio there were not enough lower grade notes that meet my requirements and I didn't want to put more money per note in. I'm trying to settle on $50 per note but will see if I can maintain my account with P&I daily payments when it is fully invested. I started off doing $25s and have some $100s as well.

c) CircleT009's account got my attention as well. http://www.lendacademy.com/forum/index.php?topic=2235.msg21435#msg21435

d) I consider part of it to be some of the "bonds" part of my asset allocation -- http://www.lendacademy.com/forum/index.php?topic=3221.0

e) I hear rawraw on my shoulder sometimes.

(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Ftswails.com%2Fcms%2Fwp-content%2Fuploads%2F2013%2F12%2FDevil-Angel.png&hash=7818cd4c22cc0ba00c910e8fdc780ed8)

[update -- added e]
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: BruiserB on August 19, 2015, 01:37:00 PM
Here are mine:

Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: trevor on August 20, 2015, 02:01:15 AM
Great thread, I'm hoping others contribute.  My avg age is only 0.4 months since I'm loading in aggressively.  I'll have stuff to show in a few months.  I'm curious if people can also post what their grade composition is so it's more relevant to the strategy they're going with.

My mistake; Here's my grade composition.

Term is split almost equally 50/50 with a slight weighting towards 60 month loans


Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: trevor on August 20, 2015, 02:08:53 AM
Here are mine:

Damn, extremely impressive!! Makes me want to start looking for higher rate notes  :D
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: aliengar0 on August 20, 2015, 10:09:36 AM
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2FzM3hGjv.png&hash=fa2dab089374b3dadef14af760c24fd5)
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2F5Xy0CpY.png&hash=cbcbf8a1440b42e1f85c68d35ac2d1e0)(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2FYr5lfS6.png&hash=75959184f070a99c4100769b28e07e89)(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2FCMADGzf.png&hash=ddc0aa67ba061b4fef8a9f08078a9544)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on August 20, 2015, 12:30:16 PM
Thought it would be fun to play in google spreadsheets to compare P2P investing "philosophies". First time I used conditional formatting w/color scale. Sorted by A, B...G %s.

http://www.lendacademy.com/forum/index.php?topic=3365.msg30067#msg30067

Be sure to increase the minimum number of notes and decrease the portfolio concentration percentage so it's more accurate.

Show me yours I'll show you mine:

(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2Fd8VjTXG.png&hash=d4ada903117b08689f9435e9aaec4dcc)

We have very similar accounts. Note count and money-wise.
My account is 1yr 4mos old with a weighted avg of 5.6 mos.
I've gotten a lot more conservative in the past several months.


Image: http://i.imgur.com/BSHntu0.png
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2FBSHntu0.png&hash=5bf9464f8176dd52bc13c191e87e06bc)


Please show what you your compositions look like via:
https://www.lendingclub.com/account/lenderAccountDetail.action

(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2FWwH8Dpi.png&hash=bf4ea73c89fb2c1d13d07079dc06f53b).(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2FQHHb4p8.png&hash=cc35460f27ad2757373e2be7cdda3f30)

(https://www.peertopeerquant.com/images/logo.gif) Calculator
https://www.peertopeerquant.com/percentile-calculator
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2FB2PhAas.png&hash=a3d4eaf8d76983c0385b1c755be70b94)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: storm on August 20, 2015, 06:22:11 PM
I haven't done any Folio trades in about 6 months.  Combined NAR:  10.86%.  IRR:  10.34%.

I started investing in 2008 and in mostly A and B notes.  Now I only invest in loans that pay 12% interest or greater.  I'm not sure those old paid off loans are ever culled from my composition numbers.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on August 20, 2015, 06:38:16 PM
I haven't done any Folio trades in about 6 months.  Combined NAR:  10.86%.  IRR:  10.34%.

I started investing in 2008 and in mostly A and B notes.  Now I only invest in loans that pay 12% interest or greater.  I'm not sure those old paid off loans are ever culled from my composition numbers.
Added storm.  If you want P2PQ then go here and provide numbers. Thx. https://www.peertopeerquant.com/percentile-calculator

<snip>

Updated chart: http://www.lendacademy.com/forum/index.php?topic=3365.msg30067#msg30067
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: storm on August 20, 2015, 06:59:36 PM
Added storm.  If you want P2PQ then go here and provide numbers. Thx. https://www.peertopeerquant.com/percentile-calculator
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: RaymondG on August 20, 2015, 08:19:34 PM
In P2PQ chart, our numbers are compared to the investors that have never traded on FolioFn. I suggest that it's best to use the Combined ANAR  than the ANAR from "Understanding your Return" page.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on August 20, 2015, 09:45:25 PM
Update spreadsheet. Sorry, Storm, I guess could have ran those numbers myself.

Image: http://i.imgur.com/ZxRnIPa.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: trevor on August 20, 2015, 10:49:02 PM
Hey everyone, thanks to all who contributed! If we keep this up we can get a very nice chart going.  8)

I've never used Folio, can someone explain (in newbie terms) if it's even possible for an account that's sold notes on Folio to have a "fair" comparison to an account that hasn't?

Either way, it's nice to see all the numbers in one place. Chart looks great!
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: RaymondG on August 20, 2015, 11:45:50 PM
I've never used Folio, can someone explain (in newbie terms) if it's even possible for an account that's sold notes on Folio to have a "fair" comparison to an account that hasn't?

The easiest possible way is to use Combined ANAR for P2PQuant chart.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on August 21, 2015, 09:50:43 AM
Hey everyone, thanks to all who contributed! If we keep this up we can get a very nice chart going.  8)

Some people may not want to expose/state how much money they have invested in LC notes. Totally get that.  Number of notes give a general idea (minimum: #notes * $25).

How about providing all the numbers in the chart except the number of notes?

Image: http://i.imgur.com/W2zgi3W.png
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2FW2zgi3W.png&hash=35bee609da2ef94e9ada5f7cabe95db1)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jonpildis on August 21, 2015, 01:11:56 PM
Here's mine... I do a fair amount of folio selling
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: rawraw on August 21, 2015, 05:35:58 PM
You have a huge risk appetite lol
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jonpildis on August 21, 2015, 08:54:57 PM
You have a huge risk appetite lol

Been in for 3 years, constantly churning my portfolio and my XIRR is ~14.5%
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: rawraw on August 21, 2015, 08:56:37 PM
You have a huge risk appetite lol

Been in for 3 years, constantly churning my portfolio and my XIRR is ~14.5%
Yeah, yea. Easy to do in one of the most benign credit environments we've seen in a while. Lots of people did the same thing for years in cre and subprime loans. Good luck
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: megamx26 on August 21, 2015, 09:18:09 PM
Yeah, yea. Easy to do in one of the most benign credit environments we've seen in a while. Lots of people did the same thing for years in cre and subprime loans. Good luck
Any chance you can post your Understanding Your Returns page?
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jonpildis on August 21, 2015, 09:28:25 PM
You have a huge risk appetite lol

Been in for 3 years, constantly churning my portfolio and my XIRR is ~14.5%
Yeah, yea. Easy to do in one of the most benign credit environments we've seen in a while. Lots of people did the same thing for years in cre and subprime loans. Good luck
Dude... don't rain on my delusion parade.  Seriously, though, keeping my portfolio short duration allows my portfolio to change with the times.  I don't expect these returns to go on forever.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on August 22, 2015, 08:23:42 AM
Added jonpildis
and CircleT009 (my reference point for many months) via http://www.lendacademy.com/forum/index.php?topic=2235.msg21435#msg21435
and lascott ROTH -- is that lascott guy the most conservative one here :) http://www.lendacademy.com/forum/index.php?topic=3365.msg30070#msg30070 (http://www.lendacademy.com/forum/index.php?topic=3365.msg30070#msg30070)
and Simon -- http://www.lendingmemo.com/returns-2015-q2/

Image: http://i.imgur.com/IjxnqNi.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jonpildis on August 23, 2015, 09:32:58 AM
Lascott - my combined return is 16.45%... the 17=% is only my non-traded return.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on August 23, 2015, 10:34:51 AM
Lascott - my combined return is 16.45%... the 17=% is only my non-traded return.
No problem. Corrected.
Image: http://i.imgur.com/GTOFnup.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jheizer on August 23, 2015, 11:58:23 PM
Can grab my info from here https://docs.google.com/spreadsheets/d/1vIWsPi5fb3YTo_H3aOnIppxyypQkBZW90HpBcLXLjVo/edit?usp=sharing  All in the same order as the images above.  Not sure how useful it is with such a young age though.

Also sharing it (even readonly) would be easier than you having to screenshot each time.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on August 24, 2015, 09:28:12 AM
Can grab my info from here https://docs.google.com/spreadsheets/d/1vIWsPi5fb3YTo_H3aOnIppxyypQkBZW90HpBcLXLjVo/edit?usp=sharing  All in the same order as the images above.  Not sure how useful it is with such a young age though.

Also sharing it (even readonly) would be easier than you having to screenshot each time.
Thanks for contributing. I really like your grade distribution. Portfolios can be young because people are adding a lot (avg'ing 0 age) or just because they are new.
I use a quick screen shot tool so it is no big deal. http://jasonsavard.com/explainAndSendScreenshots

Image: http://i.imgur.com/Q3yIsLy.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Peter on August 26, 2015, 06:50:40 PM
Thanks to lascott for organizing this, it is very interesting. While I have many accounts I can share the breakdown of my largest account. This is not my best performing account but it is one of my oldest. While I could include the screenshot with all the dots my account has an average age of 34 months so my blue dot doesn't make it on the chart.

Anyway, here is my breakdown of each field in the table:
Peter, 8/25/2015, 9.27%, 17.11%, 34.0, 3,892, A – 0%, B – 2%, C – 3%, D – 53%, E – 28%, F – 11%, G – 3%, 36 - 78%, 60 - 22%, 71%, 89%, 69%
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on August 27, 2015, 12:53:47 AM
Thanks to lascott for organizing this, it is very interesting. While I have many accounts I can share the breakdown of my largest account. This is not my best performing account but it is one of my oldest. While I could include the screenshot with all the dots my account has an average age of 34 months so my blue dot doesn't make it on the chart.

Anyway, here is my breakdown of each field in the table:
Peter, 8/25/2015, 9.27%, 17.11%, 34.0, 3,892, A – 0%, B – 2%, C – 3%, D – 53%, E – 28%, F – 11%, G – 3%, 36 - 78%, 60 - 22%, 71%, 89%, 69%

Thanks Peter.  I think one thing that really stands out with your stats are how many D, E, and F notes you have with 78% of your notes being a 36 month term. Times have changed.

Image: http://i.imgur.com/T5DKgWv.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: SeanMCA on August 27, 2015, 01:00:45 AM
Can I get in on this too? Is there an easy way to send you my stats? I've bought more than 2,400 notes and have an average weighted age of around 11 months.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: rawraw on August 27, 2015, 04:28:58 AM
I'm finally on my home computer.  I've increased my risk profile slightly lately
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on August 27, 2015, 09:06:52 AM
I'm finally on my home computer.  I've increased my risk profile slightly lately
Thanks. Added you.
your/rawraw's Percentile Calculator results (impressive for a seasoned acct)
Image: http://i.imgur.com/SaAh87p.png

Updated table
Image: http://i.imgur.com/lTC2MwI.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on August 27, 2015, 09:16:53 AM
Can I get in on this too? Is there an easy way to send you my stats? I've bought more than 2,400 notes and have an average weighted age of around 11 months.
Sure.
Preferable just attach the screens like others or cut-n-paste an image.
See bottom of this post for details: http://www.lendacademy.com/forum/index.php?topic=3365.msg30067#msg30067
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: rawraw on August 27, 2015, 09:24:49 AM
Can I get in on this too? Is there an easy way to send you my stats? I've bought more than 2,400 notes and have an average weighted age of around 11 months.
Sure.
Preferable just attach the screens like others or cut-n-paste an image.
Image: http://i.imgur.com/8yp8Tuo.png
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2F8yp8Tuo.png&hash=ff80ffc1c9a071c669ac9003f7afeac7)

Purple box "Understanding Your Returns" (C,D,E,F) from
   https://www.lendingclub.com/account/lenderBenchmarkReturns.action#what-are-nar
Pink box "My Account # More Details" (G..M) from
   https://www.lendingclub.com/account/lenderAccountDetail.action
Green box "My Account # More Details" (N,O) from (click Term)
   https://www.lendingclub.com/account/lenderAccountDetail.action
Blue box "P2PQ % Calc" (P,Q,R)  from (or I can do this)
   https://www.peertopeerquant.com/percentile-calculator
Where did you get my nar from? Looks low
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on August 27, 2015, 09:56:52 AM
Where did you get my nar from? Looks low
Used ANAR from your provided screen. I mistyped it as 10.17 when it is actually 10.70.  Using ANAR from the provide screens by everyone makes it consistent and it is needed for the %ile Calc as well.
I redid the % Calc but those numbers didn't change.

Image: http://i.imgur.com/2Jykv42.png
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2F2Jykv42.png&hash=fc86a3d525d861bc6cdbcfd5c18f51c5)

Image: http://i.imgur.com/wqa1aBK.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: SeanMCA on August 27, 2015, 01:13:30 PM
Regarding pasting my portfolio composition, I have 2 "portfolios", one which represents picks I made manually and another designated to LendingRobot's automated picks for me. Is there a simple way to combine them to get  a composition pie chart for my entire account?

Can I get in on this too? Is there an easy way to send you my stats? I've bought more than 2,400 notes and have an average weighted age of around 11 months.
Sure.
Preferable just attach the screens like others or cut-n-paste an image.
See bottom of this post for details: http://www.lendacademy.com/forum/index.php?topic=3365.msg30067#msg30067
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: rawraw on August 27, 2015, 01:28:29 PM
You have a huge risk appetite lol

Been in for 3 years, constantly churning my portfolio and my XIRR is ~14.5%
Yeah, yea. Easy to do in one of the most benign credit environments we've seen in a while. Lots of people did the same thing for years in cre and subprime loans. Good luck
Dude... don't rain on my delusion parade.  Seriously, though, keeping my portfolio short duration allows my portfolio to change with the times.  I don't expect these returns to go on forever.
Sorry! I was typing from a phone so was rather Kurt.

As long as you aren't leveraged the longer the cycle lasts the bigger your buffer gets. I know I've experienced slowdowns in Folio purchases randomly. I assume it'll react to changing credit. Luckily my returns tend to be very high for my loan composition. I just wonder if the extra few percent people get above me compensates for the extremely different loan mix. Only time will tell though
 

Sent from my SAMSUNG-SM-G900A using Tapatalk

Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on August 27, 2015, 01:41:44 PM
Regarding pasting my portfolio composition, I have 2 "portfolios", one which represents picks I made manually and another designated to LendingRobot's automated picks for me. Is there a simple way to combine them to get  a composition pie chart for my entire account?

Can I get in on this too? Is there an easy way to send you my stats? I've bought more than 2,400 notes and have an average weighted age of around 11 months.
Sure.
Preferable just attach the screens like others or cut-n-paste an image.
See bottom of this post for details: http://www.lendacademy.com/forum/index.php?topic=3365.msg30067#msg30067
Are you talking about *one* LC account and two portfolios on this screen: https://www.lendingclub.com/account/portfolios.action
then just using the screens I mentioned here: http://www.lendacademy.com/forum/index.php?topic=3365.msg30067#msg30067
automatically are a composition of all portfolios in your one/entire LC account.

(Aside: I have 14 portfolios on my ROTH and 29 portfolios on my taxable account ... various services and often broken down by A,B,C,D,&E. As one example I have a set of portfolios for BlueVestment using P2P-Picks model and now a second set where BlueVestment using the InterestRadar/IR01 related model)

Data is for use and discussion on www.LendAcademy.com forum only. Not to be used elsewhere without permission from all the users.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: kitono on August 27, 2015, 09:22:48 PM
Here are mine. I hope this includes everything for you.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on August 27, 2015, 09:25:15 PM
Here are mine. I hope this includes everything for you.
Can you click on Term so we can get a % for 36 and 60?
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2F5aXl1t9.png&hash=c697b9a949ec2fba19d4f5f22b2cdde3)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Lovinglifestyle on August 27, 2015, 09:44:56 PM
Cut and paste.  Tell me if I left something out.

Combined Return
Adjusted Net Annualized Return 10.50%

My Notes at-a-Glance 9048

Your Notes purchased on the Lending Club platform
Adjusted Net Annualized Return3 ?:   15.81%
Weighted Average Interest Rate:   18.68%
Weighted Average Age of Portfolio:   19.7 mos
Number of Notes:   9,048

Term|Grade
A(0.5%) B (8.7%) C(10.7%) D(11.6%) E(47.3%) F(15.9%) G(5.2%)

Composition ** ( $ )
Term|Grade
Payments  36(36.5%) 60(63.5%)

I'll edit when I find something else, so I don't lose this screen.

(edit) This: (sold 1424 lates on Folio, so this is skewed)
Your Percentile:
vs All Accounts: 99
vs Similar Age Accounts: 99
vs Similar Age & Similar WAIR Accounts: 99

 
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on August 27, 2015, 10:04:08 PM
Added Lovinglifestyles (normally screen captures required for proof <grin>)
Added kitono

Image: http://i.imgur.com/wphy0QF.png
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2Fwphy0QF.png&hash=e9dad115e043b86d5bb53417dfca7849)

Where to get data to get your added described here: http://www.lendacademy.com/forum/index.php?topic=3365.msg30067#msg30067
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Fred93 on August 27, 2015, 10:41:40 PM
ANAR 10.51%
WAIR 14.1%
Weighted age 7.8 mo
#notes 4058
Percentiles 85 82 82
Grades A 0.1% B 15.8% C 50.8% D 24.1% E 9.2% F 0.0% G 0.0%
Terms  36 30.6%  60 69.4%

My portfolio is a mix of very old and very new.  (782 paid full, 99 charged off)  I opened my LC account in Jan '08.  Stopped investing and began to withdraw Oct '12.  Started again in earnest Feb '14.  Average age stays low these days because I keep adding money.  These stats are a kind of a strange mix, as I'm sure you realize.  The effects of old finished loans is in ANAR, but not in the grade allocations, weighted age, etc.  There are still a few "old" loans from before Oct '12 alive, but not very many. 

Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on August 27, 2015, 11:07:12 PM
ANAR 10.51%
WAIR 14.1%
Weighted age 7.8 mo
#notes 4058
Percentiles 85 82 82
Grades A 0.1% B 15.8% C 50.8% D 24.1% E 9.2% F 0.0% G 0.0%
Terms  36 30.6%  60 69.4%

My portfolio is a mix of very old and very new.  (782 paid full, 99 charged off)  I opened my LC account in Jan '08.  Stopped investing and began to withdraw Oct '12.  Started again in earnest Feb '14.  Average age stays low these days because I keep adding money.  These stats are a kind of a strange mix, as I'm sure you realize.  The effects of old finished loans is in ANAR, but not in the grade allocations, weighted age, etc.  There are still a few "old" loans from before Oct '12 alive, but not very many.
Thanks for contributing with an old account and for the additional details.

Image: http://i.imgur.com/4F9Yc25.png
<snip>

Where to get data to get yours added described here: http://www.lendacademy.com/forum/index.php?topic=3365.msg30067#msg30067
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: kitono on August 28, 2015, 02:13:11 PM
Sorry, here's my 60/36.
I feel like I'm really performing super well considering my average account age!
Can I be included on any findings and conclusions that are generated using this data? It'll be interesting for me to know how to adjust my portfolio. For example, it seems like 60 month term loans aren't really that bad.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on August 28, 2015, 02:36:26 PM
Sorry, here's my 60/36.
I feel like I'm really performing super well considering my average account age!
Can I be included on any findings and conclusions that are generated using this data? It'll be interesting for me to know how to adjust my portfolio. For example, it seems like 60 month term loans aren't really that bad.

I think generally > 10 months for an averaged account age is considered "seasoned".  For people looking for D,E,F,G grades 60 months seem to be more common where monthly payments are lower.  You can clearly see that in the hotspot coloring. Peter's is the exception but many of his 36 months notes will be paid off in a few months then his term ratio will change (it appears to me).

I don't think anyone is analyzing this specifically as it is a comparison to see what peoples risk/reward toleration tendencies are.

Image: http://i.imgur.com/HRyuK4U.png
<snip>

Where to get data to get yours added described here: http://www.lendacademy.com/forum/index.php?topic=3365.msg30067#msg30067
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Edward Reid on August 28, 2015, 03:03:14 PM
Here's mine. Very young account -- max age barely 4 months. No blue dot on the chart because average age < 3 months. Looks much better than "similar" accounts but that's probably because mine is mostly 60-month, and I don't see any way to compare by term.

I'm a little confused by one thing on the Understanding page: my ANAR is 13.63% and my WAIR is 13.10%. How can ANAR be greater than WAIR? I realize that since all my notes are current, I have no downward adjustments on that score. But I figure with the fee taking a chunk, that alone should pull the ANAR down. Is it just a matter of payment timing? Or what?

And is there a way to get a NAR that's adjusted for predicted future charge-offs, even when all notes are current right now? ANAR is nice but it's still only a snapshot, not a prediction based on all available information. I understand uncertainty very well, so I realize that no computation is going to tell me what my return is going to be tomorrow (much less over five years), but it still seems that historical data on chargeoffs could be usefully incorporated. OK, maybe this should be in another thread, so feel free to ignore me and and eventually I'll do that.  8)

Edward
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on August 28, 2015, 03:21:39 PM
Here's mine. Very young account -- max age barely 4 months. No blue dot on the chart because average age < 3 months. Looks much better than "similar" accounts but that's probably because mine is mostly 60-month, and I don't see any way to compare by term.

I'm a little confused by one thing on the Understanding page: my ANAR is 13.63% and my WAIR is 13.10%. How can ANAR be greater than WAIR? I realize that since all my notes are current, I have no downward adjustments on that score. But I figure with the fee taking a chunk, that alone should pull the ANAR down. Is it just a matter of payment timing? Or what?

And is there a way to get a NAR that's adjusted for predicted future charge-offs, even when all notes are current right now? ANAR is nice but it's still only a snapshot, not a prediction based on all available information. I understand uncertainty very well, so I realize that no computation is going to tell me what my return is going to be tomorrow (much less over five years), but it still seems that historical data on chargeoffs could be usefully incorporated. OK, maybe this should be in another thread, so feel free to ignore me and and eventually I'll do that.  8)

Edward
I'll add you to the table shortly.

In regards to the underlined above. LendingClub's stats show where each grade, on average, ends up with chargeoffs/defaults. *Your* AdjustedNAR/ANAR incorporates those charge offs (and lates) at your *current* point in time.

https://www.lendingclub.com/info/demand-and-credit-profile.action
Image: http://i.imgur.com/oZBvgI7.png
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2FoZBvgI7.png&hash=eefa2acf197fa58516b66bbfc183138e)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: kitono on August 28, 2015, 03:51:01 PM
Storm & Raymond, what platform do you use? Do you manually select or auto invest? Mind if I ask what model/criteria you use? I like your performance! Please pm if you don't want to post it :P
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Edward Reid on August 28, 2015, 04:04:59 PM
In regards to the underlined above. LendingClub's stats show where each grade, on average, ends up with chargeoffs/defaults. AdjustedNAR/ANAR incorporates those charge offs (and lates) at your *current* point in time.

Ah, got it. I should also be paying attention to the "historical returns" on my account summary page, conveniently right under the ANAR ... I suppose I was thrown off because it's not shown quite in parallel. Apparently that's even personalized based on class distribution, though I suspect not by term.

Thanks,

Edward
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on August 28, 2015, 05:42:57 PM
Storm & Raymond, what platform do you use? Do you manually select or auto invest? Mind if I ask what model/criteria you use? I like your performance! Please pm if you don't want to post it :P
You realize what you are asking means you would potentially takes a limited set of "their" notes?  People generally don't talk about their specific "secret sauces" because you are "competition". :)

Here's mine. Very young account -- max age barely 4 months. No blue dot on the chart because average age < 3 months. Looks much better than "similar" accounts but that's probably because mine is mostly 60-month, and I don't see any way to compare by term.
Added you.

Image: http://i.imgur.com/eskSvQx.png
<snip>

Where to get data to get yours added described here: http://www.lendacademy.com/forum/index.php?topic=3365.msg30067#msg30067
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Lovinglifestyle on August 28, 2015, 06:57:27 PM

Added Lovinglifestyles (normally screen captures required for proof <grin>)

Where to get data to get your added described here: http://www.lendacademy.com/forum/index.php?topic=3365.msg30067#msg30067

I didn't think about that proof bit--sorry!  I'm not good at doing screen shots or at turning them into attachments, but I'll try.
Thank you for this chart work you're doing. 


Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Lovinglifestyle on August 28, 2015, 06:59:52 PM
Continued.  Limit 4 attachments.

Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: DLIFVOIP on August 28, 2015, 09:56:02 PM
Here are my updated numbers as of tonight.

Let me know if you want any additional info.

I sell heavily on FolioFN.  My XIRR is closer to 8.75%, it has decreased significantly over the last 18 months as LC has continued to lower interest rates.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: DLIFVOIP on August 28, 2015, 10:00:53 PM
Here is one more screen shot.

Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on August 28, 2015, 10:09:48 PM
Here are my updated numbers as of tonight.

Let me know if you want any additional info.

I sell heavily on FolioFN.  My XIRR is closer to 8.75%, it has decreased significantly over the last 18 months as LC has continued to lower interest rates.

Thanks much for providing updated numbers! Much appreciated.  Interesting how you are ending up with your 36/60 month split.

Image: http://i.imgur.com/g8GKk4o.png
<snip>

Where to get data to get yours added described here: http://www.lendacademy.com/forum/index.php?topic=3365.msg30067#msg30067
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: RaymondG on August 29, 2015, 09:30:26 AM
Please update my ANAR from 12.11% in the table to the Combined Return - ANAR which is 10.64%. I used the Combined ANAR for the P2PQ chart. I would suggest to use Combined ANAR for Lovinglifestyle's too so that it will be comparable.

@lascott - Thank you for updating it.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on August 29, 2015, 09:36:11 AM
Please update my ANAR from 12.11% in the table to the Combined Return - ANAR which is 10.64%. I used the Combined ANAR for the P2PQ chart. I would suggest to use Combined ANAR for Lovinglifestyle's too so that it will be comparable.
I updated them both. Thanks for the audit. Happy to adjust.

Image: http://i.imgur.com/itr9zBX.png
<snip>

Where to get data to get yours added described here: http://www.lendacademy.com/forum/index.php?topic=3365.msg30067#msg30067
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: RaymondG on August 29, 2015, 10:19:55 AM
Storm & Raymond, what platform do you use? Do you manually select or auto invest? Mind if I ask what model/criteria you use? I like your performance! Please pm if you don't want to post it :P
I use my own Excel worksheet to automatically buy notes. The main rules being implemented are basically from the history analysis using LendStats.com (discontinued) and NSR Invest, and they might be different by grades. Plus some rules to excluding outliers, such as grade D&E but with FICO >750, and some rules (my guess & reasonable) like excluding loans having monthly payment for the LC loan > 12% of monthly income etc. For each rule, a score will be assigned if the loan is lower than the comfort threshold and by how worse it is. A final score will be sum of all scores. I only buy loans having a final score below certain level. The process will be periodically adjusted so that there will be enough loans pass the filter to keep the average cash balance low.

I would strongly suggest to automate the loan purchasing process. To me, it saves time and bring better return (about 2.5% increase) due to completeness and objectiveness comparing to manual picking.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Lovinglifestyle on August 29, 2015, 01:06:02 PM
Please update my ANAR from 12.11% in the table to the Combined Return - ANAR which is 10.64%. I used the Combined ANAR for the P2PQ chart. I would suggest to use Combined ANAR for Lovinglifestyle's too so that it will be comparable.

@lascott - Thank you for updating it.

Thanks!


Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on August 29, 2015, 02:56:21 PM
Please update my ANAR from 12.11% in the table to the Combined Return - ANAR which is 10.64%. I used the Combined ANAR for the P2PQ chart. I would suggest to use Combined ANAR for Lovinglifestyle's too so that it will be comparable.@lascott - Thank you for updating it.
Thanks!
Updated your P2PQ numbers.

Image: http://i.imgur.com/1DjE68q.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: storm on August 29, 2015, 09:02:33 PM
Storm & Raymond, what platform do you use? Do you manually select or auto invest? Mind if I ask what model/criteria you use? I like your performance! Please pm if you don't want to post it :P

I'm using Bluevestment to auto-invest.  No one else seems to want to share their filters, so I guess I won't either.  They are pretty much the commonly discussed ones in the Lend Academy and Lending Memo blogs.  I test them with NSR about every 6-12 months and readjust as necessary.  There are a lot of filters now that have no discernible effect or actually lower your return because LC's underwriting has improved so much.

lascott, you should probably use my combined ANAR as well which is 10.86.  The P2PQ numbers are 88, 97, and 98.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on August 29, 2015, 09:08:43 PM
Storm & Raymond, what platform do you use? Do you manually select or auto invest? Mind if I ask what model/criteria you use? I like your performance! Please pm if you don't want to post it :P

I'm using Bluevestment to auto-invest.  No one else seems to want to share their filters, so I guess I won't either.  They are pretty much the commonly discussed ones in the Lend Academy and Lending Memo blogs.  I test them with NSR about every 6-12 months and readjust as necessary.  There are a lot of filters now that have no discernible effect or actually lower your return because LC's underwriting has improved so much.

lascott, you should probably use my combined ANAR as well which is 10.86.  The P2PQ numbers are 88, 97, and 98.
Thanks for the updates.

Image: http://i.imgur.com/T5rzXH6.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: rawraw on August 30, 2015, 08:06:57 AM
I'd gladly discuss my filters.  But the filters don't matter.  I think the selling of FICO dropping notes is the secret to alpha, not an ability to beat LC's underwriting.  My NAR on sold notes is roughly the same (slightly less), but those loans are much more likely to charge off.  I'm not so sure selling once notes are let generates any alpha, seems a lot of people mark them down lower than the probability of default would suggest they need to be
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Fred93 on August 30, 2015, 03:47:11 PM
I suggest sorting the spreadsheet by WAIR. 

Now you apparently sort by % A grade.

I think WAIR would give us an ordering which more naturally orders the grade distributions.  At first I was going to suggest that you compute a weighted-average-grade, but I think WAIR will pretty much do the same thing.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on August 30, 2015, 04:47:37 PM
I suggest sorting the spreadsheet by WAIR. 
Now you apparently sort by % A grade.
I think WAIR would give us an ordering which more naturally orders the grade distributions.  At first I was going to suggest that you compute a weighted-average-grade, but I think WAIR will pretty much do the same thing.
Let's see what people like. ▼indicates sort col. I'm good with that suggestion. I was sorting by A, B, C, D per my first post. I had to use the ROUND(#.#,2) function to get it to "look" right tho.

Image: http://i.imgur.com/IpmvSMd.png
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Fred93 on August 30, 2015, 05:00:45 PM
Yeah!  See how the light colored portion of the grade section kinda makes a smooth diagonal now?
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on August 30, 2015, 05:06:00 PM
Yeah!  See how the light colored portion of the grade section kinda makes a smooth diagonal now?
Yes, I think it does a better job than grade since some outliers in grades affected it but I think grades did a very similar thing.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jheizer on August 30, 2015, 05:21:47 PM
Yeah that was part of the reason why I was saying to share the sheet itself.  Changing sorts, etc.  My 3% of A was throwing me off some when comparing.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: hoggy1 on August 31, 2015, 01:13:48 PM
My returns image is at the bottom. Pretty good don't you think?

Adjusted Net Annualized Return:            15.06%
Weighted Average Interest Rate:            18.56%
Weighted Average Age of Portfolio:    11.5 mos
Number of Notes:    152

ANAR Primary 13.88%
ANAR Trade  10.44%
ANAR Combined 12.12

Problem is I think all this is useless and made to be a feel good stat from LC. Here is why.

The note count is 152. Well I don't "have" 152 notes purchased on the platform. As far as I can tell this note count includes all notes ever purchased on the platform and not subsequently sold on Folio. That includes all fully paid notes almost all of which performed perfectly up until fully paid and no longer influence my future returns.

As time passes I see small changes up and down as loans perform and then don't but it always looks like I'm making good money. But am I?

The table below will help make my case. At the end of every month I enter Cash, In Funding, and Outstanding Principle exactly as reported on the end of month statements. I add those three to get final acct value which I double check against the statement to be certain I entered the first 3 items correctly. My deposits are recorded as shown and total deposits summed. My profit or loss (Acct value change on table) is "this months ending balance" - (minus) "last months ending balance" less any "deposits made during the month".

I don't count uninvested cash in my total investment when calculating returns (as I have argued before I distinguish return on investment from return on account) so my end total investment is the "Account Balance" less "Available Cash" So for each month my "Annualized Return on investment" is  the "change in the account value" / "Total invested" * 1200 (12 months, as percent).

 Discounting the very earliest months there were two months when I actually lost money. I promise you there was hardly a wobble in LCs reported ANAR in those money losing months? In other words I want to know how the notes I hold now are doing on an onging basis, not since inception and certainly not to include fully paid loans. And I want to know how strategy changes affect the returns.?There was in fact a strategy change late in 2014 where I actively started selling large FICO drop notes, at first glance to my detriment. I want to know if I put another $100,000 in next year and follow my present strategy what can I expect the value to be at the end of next year?

The third to last column is the prior 12 month running average. The last two columns are the same as the previous two except they use account value (include idle cash) instead of total investment as explained earlier.

XIRR computes to 9.22% which closely mirrors the results obtained by this method. Combined ANAR of 12.12% as reported by LC is meaningless and nonsensical.



CashIn FundingOutstand  prinAcct valueDepositsTot DepAcct Value ChangedTot InvestedInt EarnedAn Return InvAvg 12m InvAn Return AcctAvg 12m Acct
3/14150.93175.00672.94998.871000.001000.00-1.13847.940.00-1.60-1.36
4/14376.24525.002093.712994.952000.003000.00-3.922618.716.13-1.80-1.57
5/14108.02500.003414.514022.531000.004000.0027.583914.5128.238.458.23
6/1443.34175.003849.834068.174000.0045.644024.8346.0013.6113.46
7/146.8875.004039.414121.294000.0053.124114.4158.8415.4915.47
8/14782.56200.003715.914698.47500.004500.0077.183915.9153.3023.6519.71
9/14418.58650.003673.064741.644500.0043.174323.0653.8111.9810.93
10/14275.53125.004391.884792.414500.0050.774516.8858.1113.4912.71
11/14238.25175.004411.234824.484500.0032.074586.2362.198.397.98
12/1415.46625.004169.624810.084500.00-14.404794.6265.40-3.60-3.59
1/1524.4450.004759.954834.394500.0024.314809.9563.486.066.03
2/15135.250.004731.404866.654500.0032.264731.4070.458.188.537.958.00
3/15173.020.004761.064934.084500.0067.434761.0681.5017.0010.0816.409.48
4/15207.300.004757.954965.254500.0031.174757.9578.937.8610.887.5310.23
5/15206.6075.004718.645000.244500.0034.994793.6481.478.7610.918.4010.25
6/15267.93275.004451.914994.844500.00-5.404726.9179.28-1.379.66-1.309.02
7/15515.3325.004488.855029.184500.0034.344513.8579.409.139.138.198.41
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on August 31, 2015, 01:50:58 PM
The note count is 152. Well I don't "have" 152 notes purchased on the platform. As far as I can tell this note count includes all notes ever purchased on the platform and not subsequently sold on Folio. That includes all fully paid notes almost all of which performed perfectly up until fully paid and no longer influence my future returns.
Yes, it includes all notes purchased on the platform as these two numbers are the same (red)
Also ANAR/AdjustNAR uses their "Loss Assumptions" and not customized ones (green).

(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2F8m0hR0R.png&hash=fcbe4f23b9fa194bcafb6dca22fb0901)(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2FSO32xHj.png&hash=eac67f6d1db62fd71d133f8d86c6c06b)(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2FrKeCuk4.png&hash=87c6f34b160e846781c46c5e05d3c2d1)


(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2FeFHMqfQ.png&hash=5ed6a894369b41e77a58cd3970bd2016)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on August 31, 2015, 02:03:10 PM
Thanks for all the input. Folio investors information is not represented great but this is about as easy and consistent comparison that we can do without everyone doing gyrations.

My returns image is at the bottom. Pretty good don't you think?
Problem is I think all this is useless and made to be a feel good stat from LC. Here is why.
If you want to be included in the table can you provide screen captures of your a) Composition for Term & b) Composition for Grade.
https://www.lendingclub.com/account/lenderAccountDetail.action
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: hoggy1 on August 31, 2015, 02:22:43 PM

Yes, it includes all notes purchased on the platform as these two numbers are the same (red)
Also ANAR/AdjustNAR uses their "Loss Assumptions" and not customized ones (green).


My number don't agree. Notes at a glance = 280, number of notes = 152. I buy and sell on Folio.



Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: FILTER on September 12, 2015, 12:47:32 AM
Thanks for all the input. Folio investors information is not represented great but this is about as easy and consistent comparison that we can do without everyone doing gyrations.

My returns image is at the bottom. Pretty good don't you think?
Problem is I think all this is useless and made to be a feel good stat from LC. Here is why.
If you want to be included in the table can you provide screen captures of your a) Composition for Term & b) Composition for Grade.
https://www.lendingclub.com/account/lenderAccountDetail.action

I thought this was a very interesting thread. I've attached my Composition and Term Grade information. I've been investing since Jan 2015 and my average age is 4.4 months.  Thanks for continuing to update this chart.

Total Notes (2,768): 
Charged Off* (1)   $24.27

Status Principal
Net Annualized Return: 16.26%
Adj Net Annualized Return: 13.72%
Weighted Average Interest Rate: 16.20%
Combined Return NAR: 15.71%
Weighted Average Age of Portfolio: 4.4 mos
Number of Notes: 2,769
Not Yet Issued (94)  $2,350.00

Issued & Current (2,548) 

In Grace Period (13) $356.97

Late 16 - 30 days (4) $111.61

Late 31 - 120 days (15) $521.20

Fully Paid* (93) $0.00
   
Default (1)$25.00
 
Composition ** ( $ )
Term|
Grade 
A  (0.6%)
B  (3.7%)
C (36.8%)
D (33.1%)
E (17.5%)
F (7.2%)
G (1.1%)

36 Month: 1507 Notes 52.5%
60 Month: 1262 Notes 47.5%
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on September 12, 2015, 01:08:34 AM
You're welcome.

What are your term percentages: 36 = a and 60 = b (aka 100-a)?

From 2nd post in thread:
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2F8yp8Tuo.png&hash=ff80ffc1c9a071c669ac9003f7afeac7)
How YOU can provide the data to this thread details:
Purple box "Understanding Your Returns" (C,D,E,F) from
   https://www.lendingclub.com/account/lenderBenchmarkReturns.action#what-are-nar
Pink box "My Account # More Details" (G..M) from
   https://www.lendingclub.com/account/lenderAccountDetail.action
Green box "My Account # More Details" (N,O) from (click Term)
   https://www.lendingclub.com/account/lenderAccountDetail.action
Blue box "P2PQ % Calc" (P,Q,R)  from (or I can do this)
   https://www.peertopeerquant.com/percentile-calculator

Thanks for all the input. Folio investors information is not represented great but this is about as easy and consistent comparison that we can do without everyone doing gyrations.

My returns image is at the bottom. Pretty good don't you think?
Problem is I think all this is useless and made to be a feel good stat from LC. Here is why.
If you want to be included in the table can you provide screen captures of your a) Composition for Term & b) Composition for Grade.
https://www.lendingclub.com/account/lenderAccountDetail.action

I thought this was a very interesting thread. I've attached my Composition and Term Grade information. I've been investing since Jan 2015 and my average age is 4.4 months.  Thanks for continuing to update this chart.

<snip> 
Composition ** ( $ )
Term|
Grade 
A  (0.6%) B  (3.7%) C (36.8%) D (33.1%) E (17.5%) F (7.2%) G (1.1%)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: FILTER on September 12, 2015, 01:14:29 AM
36 Month:  52.5%
60 Month:  47.5%
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on September 12, 2015, 01:16:59 AM
I'd be happy to update this monthly (or whenever for new (or old) users request) so I'll ask Oct 1st, etc.

I thought this was a very interesting thread. I've attached my Composition and Term Grade information. I've been investing since Jan 2015 and my average age is 4.4 months.  Thanks for continuing to update this chart.
Image: http://i.imgur.com/1Fn2Q7s.png
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: FILTER on September 12, 2015, 01:20:11 AM
You're welcome.

What are your term percentages: 36 = a and 60 = b (aka 100-a)?

From 2nd post in thread:
How YOU can provide the data to this thread details:
Purple box "Understanding Your Returns" (C,D,E,F) from
   https://www.lendingclub.com/account/lenderBenchmarkReturns.action#what-are-nar
Pink box "My Account # More Details" (G..M) from
   https://www.lendingclub.com/account/lenderAccountDetail.action
Green box "My Account # More Details" (N,O) from (click Term)
   https://www.lendingclub.com/account/lenderAccountDetail.action
Blue box "P2PQ % Calc" (P,Q,R)  from (or I can do this)
   https://www.peertopeerquant.com/percentile-calculator

Thanks for all the input. Folio investors information is not represented great but this is about as easy and consistent comparison that we can do without everyone doing gyrations.

My returns image is at the bottom. Pretty good don't you think?
Problem is I think all this is useless and made to be a feel good stat from LC. Here is why.
If you want to be included in the table can you provide screen captures of your a) Composition for Term & b) Composition for Grade.
https://www.lendingclub.com/account/lenderAccountDetail.action

I thought this was a very interesting thread. I've attached my Composition and Term Grade information. I've been investing since Jan 2015 and my average age is 4.4 months.  Thanks for continuing to update this chart.

<snip> 
Composition ** ( $ )
Term|
Grade 
A  (0.6%)
B  (3.7%)
C (36.8%)
D (33.1%)
E (17.5%)
F (7.2%)
G (1.1%)

36 Month: 52.5%
60 Month: 47.5%
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Rob L on September 12, 2015, 09:33:35 AM
I posted the screen shots you need a while back (when P2P Picks went away).
http://www.lendacademy.com/forum/index.php?topic=3285.msg29592#new (http://www.lendacademy.com/forum/index.php?topic=3285.msg29592#new)
Things haven't changed all than much since then so include me if you like.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on September 12, 2015, 09:50:41 AM
I posted the screen shots you need a while back (when P2P Picks went away).
http://www.lendacademy.com/forum/index.php?topic=3285.msg29592#new (http://www.lendacademy.com/forum/index.php?topic=3285.msg29592#new)
Things haven't changed all than much since then so include me if you like.
Absolutely. I recall that excellent post to Bryce well.
Image: http://i.imgur.com/9oWfNrC.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: brycemason on September 13, 2015, 01:43:17 PM
Adjusted Net Annualized Return3 ?:   9.82%
Weighted Average Interest Rate:   17.31%
Weighted Average Age of Portfolio:   22.6 mos
Number of Notes:   2,617

A(0.0%) B (2.3%) C(4.7%) D(62.5%) E(29.3%) F(1.1%) G(0.1%)

36: 100%

No Folio trading, ever

From p2p-Quant (although I think the performance is better once you also adjust for accounts with at least 500 notes).
vs All Accounts: 79
vs Similar Age Accounts: 92
vs Similar Age & Similar WAIR Accounts: 80
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on September 13, 2015, 10:24:55 PM
Adjusted Net Annualized Return3 ?:   9.82%
Weighted Average Interest Rate:   17.31%
Weighted Average Age of Portfolio:   22.6 mos
Number of Notes:   2,617
Great to get your contributions, Bryce. Thanks.

Image: http://i.imgur.com/pyOchkw.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on October 03, 2015, 09:46:36 AM
Image: http://i.imgur.com/pyOchkw.png
<prev snip>

Updated my number for Sept. My filters are buying more Cs but a touch. And more 60 months due to BV and IR01 model usage (vs P2PPicks).
Happy to update any others (see end of this post).

Image: http://i.imgur.com/sgPAwfd.png
<snip>


Image: http://i.imgur.com/8yp8Tuo.png
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2F8yp8Tuo.png&hash=ff80ffc1c9a071c669ac9003f7afeac7)
How YOU can provide the data to this thread details:
Purple box "Understanding Your Returns" (C,D,E,F) from
   https://www.lendingclub.com/account/lenderBenchmarkReturns.action#what-are-nar
Pink box "My Account # More Details" (G..M) from
   https://www.lendingclub.com/account/lenderAccountDetail.action
Green box "My Account # More Details" (N,O) from (click Term)
   https://www.lendingclub.com/account/lenderAccountDetail.action
Blue box "P2PQ % Calc" (P,Q,R)  from (or I can do this)
   https://www.peertopeerquant.com/percentile-calculator
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: FILTER on October 03, 2015, 07:55:53 PM
Thanks Lascott,  Updates for September:

Net Annualized Return: 16.61%
Weighted Average Interest Rate: 16.03%
Weighted Average Age of Portfolio: 4.5 mos
Number of Notes: 3,629
Issued & Current: 2,962
Adjusted Net Annualized Return3 ?: 13.76%

36 Month = 52%
60 Month = 48%

A = (0.6%)
B = (6.1%)
C = (37.3%)
D = (31.0%)
E = (17.1%)
F = (6.9%)
G = (1.1%)

Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on October 05, 2015, 10:19:06 AM
Thanks Lascott,  Updates for September:<snip>
Image: http://i.imgur.com/RDAX6oy.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jheizer on October 21, 2015, 12:15:18 PM
My 2 month later updated numbers.  https://docs.google.com/spreadsheets/d/1vIWsPi5fb3YTo_H3aOnIppxyypQkBZW90HpBcLXLjVo/edit?usp=sharing
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on October 21, 2015, 12:35:21 PM
My 2 month later updated numbers.  https://docs.google.com/spreadsheets/d/1vIWsPi5fb3YTo_H3aOnIppxyypQkBZW90HpBcLXLjVo/edit?usp=sharing

CURRENT
Image: http://i.imgur.com/Rd4VdSO.png
<snip>

PREVIOUS
Image: http://i.imgur.com/RDAX6oy.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Rob L on October 21, 2015, 03:24:54 PM
FWIW here's the numbers for me 10/21/2015:

Net Annualized Return: 11.65%
Weighted Average Interest Rate: 17.07%
Weighted Average Age of Portfolio: 17.0 mos
Number of Notes: 7,709
Issued & Current: 5,051
Adjusted Net Annualized Return: 9.80%

36 Month = 100%
60 Month = 0%

A = (2.3%)
B = (1.6%)
C = (4.1%)
D = (64.0%)
E = (27.0%)
F = (0.9%)
G = (0.1%)

From p2p-Quant:
vs All Accounts: 79
vs Similar Age Accounts: 87
vs Similar Age & Similar WAIR Accounts: 68

Comments: No Folio
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: FILTER on October 21, 2015, 04:22:38 PM
Current numbers for 10/21/2015:

Net Annualized Return: 16.28%
Weighted Average Interest Rate: 16.00%
Weighted Average Age of Portfolio: 4.4 mos
Number of Notes: 4169
Issued & Current: 3,597
Adjusted Net Annualized Return3 ?: 12.79%

36 Month = 52%
60 Month = 48%

A = (0.5%)
B = (6.6%)
C = (36.8%)
D = (31.5%)
E = (17.3%)
F = (6.4%)
G = (1.0%)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: RaymondG on October 21, 2015, 11:27:33 PM
As of 10/21/2015

Combined Adjusted Net Annualized Return3 ?: 10.41%

Weighted Average Interest Rate:   17.54%
Weighted Average Age of Portfolio:   24.2 mos
Number of Notes:   2,537
Issued & Current:    1,370

36 Month = 16.4%
60 Month = 83.6%

A(0.2%) B (0.6%) C(9.9%) D(54.5%) E(29.6%) F(4.5%) G(0.7%)

From p2p-Quant:
vs All Accounts: 88
vs Similar Age Accounts: 96
vs Similar Age & Similar WAIR Accounts: 89

Comments: Combined ANAR.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on October 22, 2015, 12:25:00 PM
Here it is. Still pretty interesting range of investment choices. Good stuff.

OCTOBER UPDATES
Image: http://i.imgur.com/3QNUEy3.png
<snip>

PREVIOUS
Image: http://i.imgur.com/RDAX6oy.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Rob L on October 25, 2015, 11:24:31 AM
There's a typo in mine that disagrees with my post above. ANAR is 9.80%, not 11.65% (my NAR). Don't I wish! It was bad enough when the handle broke under 10 but lately it seems like it's been dropping a basis point or two every day. Oh well, it is what it is ...  :)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on October 25, 2015, 11:30:48 AM
There's a typo in mine that disagrees with my post above. ANAR is 9.80%, not 11.65% (my NAR). Don't I wish! It was bad enough when the handle broke under 10 but lately it seems like it's been dropping a basis point or two every day. Oh well, it is what it is ...  :)
Corrected. NAR is not necessary to report for me to do updates since we are not tracking that "meaningless" number :)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: storm on October 26, 2015, 02:48:33 AM
Here is my update...
Combined ANAR: 10.74%
Weighted Average Interest Rate: 14.96%
Weighted Average Age of Portfolio: 26.2 mos
Number of Notes: 5,066

A: 0%
B: 7.7%
C: 36.6%
D: 27.4%
E: 23.7%
F: 3.4%
G: 1.2%
36: 14.7%
60: 85.3%

P2PQ
vs All Accounts: 89
vs Similar Age Accounts: 97
vs Similar Age & Similar WAIR Accounts: 97
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Lovinglifestyle on October 26, 2015, 10:26:25 PM
Here's my update: (10-26-2015)

Your Notes purchased on the Lending Club platform
Adjusted Net Annualized Return Combined:  9.80%
Weighted Average Interest Rate:   18.57%
Weighted Average Age of Portfolio:   21.1 mos
Number of Notes:   8,868

A(0.5%) B (8.7%) C(11.1%) D(11.9%) E(47.4%) F(15.3%) G(5.1%)

Term:  36(36.1%) 60(63.9%)

Your Percentile: (P2P Quant)
vs All Accounts: 82
vs Similar Age Accounts: 92
vs Similar Age & Similar WAIR Accounts: 73

Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on October 26, 2015, 11:04:39 PM
With Storm and Lovinglifestyle updates:

OCTOBER UPDATES
Image: http://i.imgur.com/3QNUEy3.png
<snip>

PREVIOUS
Image: http://i.imgur.com/RDAX6oy.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: rubicon on October 28, 2015, 02:42:31 PM
I do folio trading.
As of today.


Weighted Average Interest Rate: 16.45%
Weighted Average Age of Portfolio: 3.7 months
Number of Notes: 6283
Issued & Current: 5813
Adjusted Net Annualized Return: 12.53%

36 Month = 90.8%
60 Month = 9.2%

A = 0.8%
B = 4.1%
C = 44.3%
D = 34.8%
E = 11.4%
F = 4.1%
G =0.5%
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on October 28, 2015, 03:15:42 PM
I do folio trading.  As of today.

Weighted Average Interest Rate: 16.45%
Weighted Average Age of Portfolio: 3.7 months
Number of Notes: 6283
Issued & Current: 5813
Adjusted Net Annualized Return: 12.53%

36 Month = 90.8%, 60 Month = 9.2%

A = 0.8%, B = 4.1%, C = 44.3%, D = 34.8%, E = 11.4%, F = 4.1%, G =0.5%

Is that ANAR from "Understanding your Return" page?  If so can you provide the "Combined ANAR" instead so it is more comparable? TIA
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: rubicon on October 28, 2015, 04:30:15 PM
It's the return under "Account Summary".

Combined Return. The big bold number when I log in, between "Adjusted Net Annualized Return" and "Understanding Your Combined Returns".

Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on October 28, 2015, 05:22:00 PM
Thx for your info rubicon.  With rubicon [and Trevor's] updates:

OCTOBER UPDATES
Image: http://i.imgur.com/4O1LVOT.png
<SNIP>

PREVIOUS
Image: http://i.imgur.com/RDAX6oy.png
<SNIP>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: trevor on October 29, 2015, 03:50:58 PM
HUGE thanks to everyone who has been keeping this thread active  ;D I've been busy with classes and haven't been checking the forums much. Nevertheless, my account is still going strong  :D

I've been investing with LendingRobot recently and I've been going for high interest notes. So my portfolio looks a bit different now.

Weighted average interest rate: 15.96
Adjusted net annualized return: 10.15
Weighted average age of portfolio: 8.7
Notes: 6431

Grade A: 9.2
Grade B: 17
Grade C: 23.4
Grade D: 13.5
Grade E: 12.6
Grade F: 20.2
Grade G: 4.1

36 month: 33.4
60 month: 66.6


A good deal of my high interest notes haven't even been issued yet, and the large majority of them haven't received any payments...I believe that my net annualized return should go up a bit once that settles.

I'll be sure to post another update in a month or two!



Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on October 29, 2015, 04:26:06 PM
I've been investing with LendingRobot recently and I've been going for high interest notes. So my portfolio looks a bit different now.

Weighted average interest rate: 15.96
Adjusted net annualized return: 10.15
Weighted average age of portfolio: 8.7
Notes: 6431
Thx. Updated the previous post chart.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: twigster on November 02, 2015, 10:45:43 AM
Great thread. :)  Here are the numbers for my two accounts (Roth and non-Roth).

-------------account #1 ROTH------------------------------
Adjusted Net Annualized Return = 10.25%
Weighted Average Interest Rate = 14.25%
Weighted Average Age of Portfolio = 11.2 months
Number of Notes = 1,880
A = 0%
B = 8%
C = 56.5%
D = 24.3%
E = 10.7%
F = .3%
G = .1%

36 Month = 24.3%
60 Month = 75.7%

P2PQ vs ALL Accounts =  88
P2PQ vs Similar Age Accounts: 93
P2PQ vs Similar Age & Similar WAIR Accounts: 93
-------------account #2 NON ROTH--------------------------------
Adjusted Net Annualized Return = 10.13%
Weighted Average Interest Rate = 13.94%
Weighted Average Age of Portfolio = 19.2 mos
Number of Notes = 685

A = .2%
B = 14.8%
C = 50.2%
D = 34.3%
E = .6%
F = 0%
G = 0%

36 Month = 21.1%
60 Month = 78.9%

P2PQ vs ALL Accounts = 87
P2PQ vs Similar Age Accounts = 94
P2PQ vs Similar Age & Similar WAIR Accounts = 95

Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on November 02, 2015, 11:32:54 AM
Great thread. :)  Here are the numbers for my two accounts (Roth and non-Roth).

Thx for your info twigster & aliengar0.  With twigster & aliengar0 updates:

NOVEMBER UPDATES
Image: http://i.imgur.com/Kd3ivOZ.png
<snip>

OCTOBER UPDATES
Image: http://i.imgur.com/4O1LVOT.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: twigster on November 02, 2015, 11:41:24 AM
Thanks for adding it to the spreadsheet but one minor correction.....  The Lend Academy User Names (as far as twigster and twigster ROTH) are reversed.   The twigster ROTH should show the 10.25% and the twigster should show the 10.13%. 
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on November 02, 2015, 11:58:40 AM
Thanks for adding it to the spreadsheet but one minor correction.....  The Lend Academy User Names (as far as twigster and twigster ROTH) are reversed.   The twigster ROTH should show the 10.25% and the twigster should show the 10.13%.
You're welcome. Corrected.  Nice job, BTW. Those are pretty mature accounts.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: aliengar0 on November 03, 2015, 02:12:03 PM
here's my update

Adjusted Net Annualized Return = 12.48%
Weighted Average Interest Rate = 19.61%
Weighted Average Age of Portfolio = 5.9 mos
Number of Notes = 1070

A = .3%
B = .1%
C = 2.6%
D = 35.4%
E = 38.8%
F = 20.6%
G = 2.3%

36 Month = 23.0%
60 Month = 77.0%

P2PQ vs ALL Accounts = 97
P2PQ vs Similar Age Accounts = 93
P2PQ vs Similar Age & Similar WAIR Accounts = 78
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on November 05, 2015, 11:23:45 AM
here's my update
Updated above charts.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: dbailey75 on November 06, 2015, 09:47:48 AM
Ok, I'm posting my Returns for giggles, but if you read my post in the introductions you'll see that I never really put much in early on, and I was letting my account wind down until I found a new reason to reinvest.  I'm ramping my account back up. 

Adjusted Net Annualized Return: 6.40%
Weighted Average Interest Rate: 11.89%
Weighted Average Age of Portfolio: 38.1 mos
Number of Notes: 621

A 18.7%
B 36.1%
C 26.9%
D 7.8%
E 7.2%
F 3.0%
G 0.03%

36 50.0%
60 50.0%
(Hum this is interesting)

P2PQ vs All Accounts: 16
P2PQ Vs Similar Age Accounts: 27
P2PQ vs Similar Age & Similar WAIR Accounts: 24

My Notes at-a-Glance 621   
Not Yet Issued 16   
Issued & Current 272 
In Grace Period 0
Fully Paid 285   
Late 16 - 30 Days 0
Late 31 - 120 Days 0
Default 0
Charged Off 48

Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on November 06, 2015, 10:50:50 AM
I'll have to figure out where the P2PQ information is located.
Cool. Second post has all the details.

<snip>
How YOU can provide the data to this thread summary:
PeerToPeerQuant (P2PQ) calculator: https://www.peertopeerquant.com/percentile-calculator
Term and Grade composition: https://www.lendingclub.com/account/lenderAccountDetail.action
Understanding Your Returns %s: https://www.lendingclub.com/account/lenderBenchmarkReturns.action#what-are-nar
<snip>

[update]P2PQ is no longer available.
Jon Heizer's : http://lc.geekminute.com/Home/ANARCompare
[/update]
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on November 14, 2015, 12:01:14 PM
Ok, I'm posting my Returns for giggles, but if you read my post in the introductions you'll see that I never really put much in early on, and I was letting my account wind down until I found a new reason to reinvest.  I'm ramping my account back up. 
Added dbailey75.
Updated rawraw - marked Combined

NOVEMBER UPDATES
Image: http://i.imgur.com/zp7ew8y.png
<snip>

OCTOBER UPDATES
Image: http://i.imgur.com/4O1LVOT.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: rawraw on November 14, 2015, 03:42:00 PM
Sold a bunch of down FICO high grade notes to reinvest with a new strategy.  Reduced my avg int rate and return, although they are trending back up as the new notes get included.  Here is new data

A(8.0%) B (30.6%) C(24.8%) D(12.8%) E(11.5%) F(10.6%) G(1.8%)
Details
Weighted Average Rate   14.25%
Payments  36(50.0%) 60(50.0%)
Adjusted Net Annualized Return 10.48%
Weighted Average Age of Portfolio:   14.5 mos
Number of Notes:   2,763
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on November 14, 2015, 04:11:57 PM
Sold a bunch of down FICO high grade notes to reinvest with a new strategy.  Reduced my avg int rate and return, although they are trending back up as the new notes get included.  Here is new data
Thanks. Updated above.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jheizer on November 14, 2015, 05:23:50 PM
FYI I'm not sure if my P2P percentile replacement is 100% yet.  The numbers seem high but its hard to say with out being able to directly compare.  It could be from the weekend payments burst.  I know my ANAR has a jump then.  I'm going to try to recompare on Monday.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jheizer on November 16, 2015, 01:32:58 PM
Ok, I feel pretty comfortable with my results now.  ANother member has got numbers fairly close to mine.  Its hard to say for sure that I am doing exactly the same as they were previously with the day to day fluctuations in ANAR, but it seems to be pretty reliable at this point.  I'll try to improve on things, add the graphs, etc as time goes on.  I've got a 1 week old at home so free time is going to dry up pretty quickly once they stop sleeping so much each day.
Title: What does yours look like: This can't be right
Post by: hoggy1 on November 21, 2015, 03:37:14 PM
I have already tried once to explain why the data being shared in this thread is suspect (reply #72, page 5, Aug 31). I am certain what LC reports for my account is totally nonsensical. But the post is so popular, I thought I must be missing something. I re-read the entire thread; twice; three times. Certainly these highly respected members are not just posting to boast. Scott's graph is beautiful, but that alone can't explain the interest. Surely members think there is valuable information that can help them. I hope you are right and that someone can explain it to me, but I've been studying now for several days and have concluded there are more problems than I originally thought.

I apologize in advance for the length of this discussion. I will break it up into multiple post following this index of deficiencies:

1.   My data
2.   The Lending Club adjustment
3.   The Correct adjustment?


Skip the next 3 post if you are not interested.
Title: What does yours look like: This can't be right
Post by: hoggy1 on November 21, 2015, 03:39:21 PM
MY DATA

Here is my data as of a few days ago when I began this study.

(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi1027.photobucket.com%2Falbums%2Fy335%2Fhoggy13%2FMatrix_zpsjsiffno7.png&hash=30bc8453d73795b797fc86494a46dc23)

Notice my ANAR of 14.32% The chart is below.
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi1027.photobucket.com%2Falbums%2Fy335%2Fhoggy13%2Fchart%2520wrong%2520anar_zps22elqoey.png&hash=61764604689d8b7826c3d82306d01897)

However my ANAR of 14.32% is changed to 15.11%, and the plot shows it there. What is the discrepancy?
I have custom adjustments that discount all problem notes 100% and that results in the 14.32% reflected on the main page. But the adjustment made on the "understanding your returns" page is using the default LC discounts. It’s a small thing but caught my attention and started this investigation. Notice this error makes my return look better.

If I’m earning 14.32% since inception why does my XIRR (in excel) report I’m earning 8.98%, a 5.34% difference? I'll get to that answer shortly. For now just notice again LC plotted results makes my account look better against the population.

When I plug these numbers (either one) into PeerToPeerQuant’s percentile calculator here is what was reported: 99%, 99%, 99%.  Below is Scott’s latest version of his spread sheet.
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi1027.photobucket.com%2Falbums%2Fy335%2Fhoggy13%2Flascott_zpswmby4tv7.png&hash=21528fc15e9acc7fade6ad7f28a3bf0c)

My account would be the best performing account, even better than jonpildis. Thanks to help from RaymondG and Turing I was able scrape the raw data (36000+ points) from the performance chart. Armed with the raw data, even P2PQ underrated me: the number should have read 99%, 100%, 100%. Yeah, my account is the absolute highest returning account in a one month window around 12.5 months.

Below are the means and SD from the adjusted population.

(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi1027.photobucket.com%2Falbums%2Fy335%2Fhoggy13%2Fadjusted%2520means%2520and%2520SDs_zps0bkw66qd.png&hash=0970f6b5462eef9e1b43c381e43819d4)


As Scott added each of the members, I was certain something was wrong. Only 2 of 24 accounts are below 50% of similarly aged accounts. Now I have no problem believing member of this board might outperform the average LC investor, but almost everyone outperformed by 2 or more standard deviations. My data point is 4SDs above the mean. Too Lake Wobegon for me.
I thank Scott for sharing the data with me. Here is your performance in SDs:
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi1027.photobucket.com%2Falbums%2Fy335%2Fhoggy13%2FLA%2520Scott%2520above%2520means_zps2h46nofe.png&hash=e0bb199ce564583b94f4acb750319d69)

What I will demonstrate is that LC makes different adjustments to the population data than they make to your individual data point.
Title: What does yours look like: This can't be right
Post by: hoggy1 on November 21, 2015, 03:40:05 PM
The lending Club Adjustment


Below is my plot of the raw data. The Orange dots are the mean, the darker blue dots are one SD above the mean, and the black line is 3 SD’s above the mean. The big red dot is me, 4 standard deviations above the mean. Each one month period has more than 1000 data points.
http://i1027.photobucket.com/albums/y335/hoggy13/raw%20UnAdj_zpsvc3jsvpx.png (https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi1027.photobucket.com%2Falbums%2Fy335%2Fhoggy13%2Fraw%2520UnAdj_zpsvc3jsvpx.png&hash=15260dd32fe32816c3d9ac94b27484b1)

http://i1027.photobucket.com/albums/y335/hoggy13/raw%20Adj_zps9esk3glg.png(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi1027.photobucket.com%2Falbums%2Fy335%2Fhoggy13%2Fraw%2520Adj_zps9esk3glg.png&hash=0298431653f2f85bb21879e2e0c62c13)

If you download the two files and flip between them (or just look closely) you will see the young population falls 4+% with LCs adjustment. But my adjustment was less than 1%, and 3% of my notes are troubled. Why do we see such a large adjustment in the population and small one in my personal adjustment? Surely not for a few troubled loans discounted at LC’s stated default rates? In fact 3 month old loans actually have no real charge offs yet. That is why LC uses a 9 month sliding window to measure charge off rates (See description below).

http://i1027.photobucket.com/albums/y335/hoggy13/LC%20loss%20adjustment_zps7vallmk9.png (https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi1027.photobucket.com%2Falbums%2Fy335%2Fhoggy13%2FLC%2520loss%2520adjustment_zps7vallmk9.png&hash=009ccf11b924a633da2c1691beaf7f75)

There is a sensible reason. Because it is not just troubled loans (IGP, 16-30, 31-120, default) that will ultimately charge off as suggested by LC table above. Some fraction of CURRENT loans will also end in default and LC’s adjustment to the population points comprehends this. Now note that we cannot add this effect to our custom adjustments (not that LC “understanding your returns” page uses them anyway) because LC won’t allow us to enter a discount rate for current loans. The current loan discount is fixed at zero. (see below)

(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi1027.photobucket.com%2Falbums%2Fy335%2Fhoggy13%2FLC%2520adjsutemnt%25201_zpsslt3pzsn.png&hash=2c34b79b67fa1c38d757fda2015bc33d)

It is not true that 0% of current loans will eventually charge off. Exactly how many will depends on the grade makeup of each portfolio and decline over time as the portfolio matures.  Whether LC actually takes this in account or not I don’t know but they certainly have the data that would allow this type of correction.
LC stated charge off rates from each troubled category cannot explain what we know from LCs own data the ultimate default rate will be (again differences by note grade), but we can get an idea.
Title: What does yours look like: This can't be right
Post by: hoggy1 on November 21, 2015, 03:40:51 PM
The correct adjustment

My thanks to Anil for bringing this file to my attention.
https://www.dropbox.com/s/0l5tijquoma4k3y/Cumulative%20CO%20Rates%20Projected%20Loss%20Curves%20v15_OCT2015.xlsx?dl=0

This is LC loss data which shows for each quarter and every loan grade the monthly losses (hidden lines) and cumulative monthly losses (select particular loan grades or combinations from pivotTable in upper left corner). For a particular loan grade the raw data is hard to work with because for loans that have fully matured (issued more than 3-5 years ago) there are few loans in any particular grade/issue_quarter so the statistics are poor. But included on the sheets “36M Future…” and “60M Future …” do what I believe after filtering and averaging the raw data, likely reflect the expected monthly charge offs for each grade. (Below)

(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi1027.photobucket.com%2Falbums%2Fy335%2Fhoggy13%2F36M%2520future%2520charge%2520offs_zpshln4cggy.png&hash=594e08306256b8d556f5dfee2dfe712f)

I chose E only grade loans because my portfolio most closely resembles E notes, but the method I will employ will work for any grade or combination of loan grades.

(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi1027.photobucket.com%2Falbums%2Fy335%2Fhoggy13%2F60M%2520Monthly%2520charge%2520offs_zpszlgigbj1.png&hash=0c42504353cd3cf1094ca3c06b5e8f70)

So let’s look at recent E grade performance. My account has a weighted average interest rate of 18.56%, made up predominantly of E grade notes which average of 20.12%. So the analysis that follows uses E grade data only. You can see below LC data for the last 10 quarters (30 months).
https://www.lendingclub.com/info/demand-and-credit-profile.action

(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi1027.photobucket.com%2Falbums%2Fy335%2Fhoggy13%2F10%2520qtr%2520performance%2520by%2520grade_zps2ijaq2yz.png&hash=2768d39cafce15b26fd97ddda0647275)

Whenever I have a tough question, I run the amortization schedule. Let’s look at the amortization schedule for E loans subject to the monthly losses above.

(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi1027.photobucket.com%2Falbums%2Fy335%2Fhoggy13%2F36m%2520correction_zpszvighyja.png&hash=1cce51f518a69d2b4c05ecc37732dd9a)
PLEASE NOTE HIDDEN ROWS AT HORIZONTAL LINE
There are two amortizations at two different interest rate, 20.12% and 9.96% (Orange) from the LC table above.  Columns labeled “Multiplier” are the fixed multiplier (1 + decimal monthly interest) that will when applied to the prior monthly account value give you the current value (remember E grade loans). In the second “Value” column we see the amortization of $100 for 36 months at the reported ANAR rate of 9.96%. In the first “Values” column is the amortization at the 20.12% average note rate BUT where the multiplier is adjusted monthly for the charged off loans extracted from the LC charge off file (labeled “Prin Loss”). When adjusted, both these should result in the same final account value after 36 months if LCs figures are correct and you can see that they do (green). But it took more than just that adjustment to get this result which confused me for some time. You actually lose twice. You lose the interest income as soon as the loan stops performing, and then you lose the principal 4-6 months later. Before this realization I could not get the final values to match. When you add together the income loss (advanced 4 month) to the principal loss as it occurs and adjust the multiplier by subtracting both, you can see the values match almost exactly.  This set of LC data is at least internally consistent.

So how much would we have to discount our CURRENT notes to get the right correction to our individual data point? That turns out to be easy. The column “Accumulated Loss” shows the running sum of monthly defaults. You can see after 36 months, a total of 15.18% of notes will have defaulted. So we need to discount our CURRENT notes by the fraction of defaults already encounter divided the total defaults to be expected. The second to last column contains this fraction. Clearly, if we had a brand new account with all newly purchased notes, the adjustment would be 10.16% (green, difference column). The last column show the discount that should be applied for each month of average age[ (1-.03)*10.16 = 9.87 ]. Notice current notes in my 13 month average age account should be discounted is 3.81 percent.

That is not quite the end of the story. My account (and most others in the population) is composed of 36 and 60 month loans. So we need to look at the 60 month amortization as well.
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi1027.photobucket.com%2Falbums%2Fy335%2Fhoggy13%2F60M%2520raw%2520data_zps1x2stvpv.png&hash=e6679343559119416c02aa1363020ef2)

The blue dots above are the raw data. I told you it was all over the place. The red line is what LC says the “Future” monthly defaults should look like based on this historical record. The dashed line is a 5th order polynomial fit using least squares to the raw data. As you can see it is a reasonably close approximation to what LC says we should expect. However neither collection of default projections will cause the final values after 60 months of amortization to equal LCs reported ANAR (Es for the last 30 months). The losses had to be higher. The green line represents a corrected default rate 28% higher than reported by LC that does properly account for the difference between average note rate of 20.12% and ANAR of 9.96%. The corrected amortization is below.

(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi1027.photobucket.com%2Falbums%2Fy335%2Fhoggy13%2F60m%2520correction_zpsmpn2ee7a.png&hash=475fed9725b285a21d3536a32e5b41f4)
PLEASE NOTE HIDDEN ROWS AT HORIZONTAL LINE

The blue line in the chart above is LCs reported default rates, and the red the adjusted rates I had to use to make the amortization of 60 month notes reconcile. So on the surface of it LCs data for 60 month notes is internally inconsistent. Their reported default rate could not adequately account for the difference between the average interest rate on notes and the reported adjusted NAR. There are some possible explanations. The defaults and recoveries are reported in the quarter the notes is issued, not in the quarter when the note actually defaults or what might be a substantial time later when a recovery might be made.

So let me return to the subject of the proper amount to discount our CURRENT notes. My account is made up of 85% 60 month notes and 15% 36 month notes. For 13 month old average age account, 60m notes should be discounted 6.1% and 36m notes 3.81. My composite CURRENT notes should then be discounted by 5.76% (0.85*6.1 + 0.15* 3.81). Remember according to LC, my ANAR was 15.11%. If I add a discount (if I could) to my current notes of 5.76% my real ANAR would be properly reported as 9.35%. That is a 0.38% difference from what my XIRR properly reports at 8.98%.

There is more to say, but I’ll wait for my punishment from the better mathematicians and statisticians on the board for not having a brain in my head. But in the interim, please don't put any confidence in, or make any important decisions based on what LC says you are earning.

Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Fred93 on November 21, 2015, 04:05:47 PM
IRR and ANAR are different formulas, so you should not expect them to be equal. 

I understand your desire to adjust ANAR for future defaults of current notes, but having done so you compare with IRR.  Did you similarly adjust your IRR for future defaults before comparing?
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: hoggy1 on November 21, 2015, 06:05:04 PM
I also understand the difference. I am not trying to show their equivalence. I am just try to demonstrate that what LC reports on you screen does not in any way, shape or form represent anything meaningful about what you are earning. If you sell on Folio as I do the numbers are even less meaningful. One would have thought once you included what LC reports as my combined results (including trades) might have had some relevance. I haven't gotten into that yet, but you won't have to look hard to see that that is not the case either.
Title: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Ran on November 21, 2015, 07:22:29 PM

I also understand the difference. I am not trying to show their equivalence. I am just try to demonstrate that what LC reports on you screen does not in any way, shape or form represent anything meaningful about what you are earning. If you sell on Folio as I do the numbers are even less meaningful. One would have thought once you included what LC reports as my combined results (including trades) might have had some relevance. I haven't gotten into that yet, but you won't have to look hard to see that that is not the case either.

I agree with your point. LendingClub "invented" ANAR to boost the returns that investors see by ignoring the delay note purchase has. This may not be too bad compared to standard IRR methodology(as long as you do not have big amount of cash sitting in your account). However, it's a mess when you trade on folio. I no longer look at ANAR number and use Excel IRR to report the returns. It's simple and reliable. You only need to track your cash withdraw, cash investment, and the estimation of current market value, which I use lending club suggested loss rate/discount. That loss rate number actually is close to the average discount you may fetch when selling at folio. If I were to give Lendingclub one suggestion, I would suggest report IRR return.


Sent from my iPhone using Tapatalk
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Fred93 on November 21, 2015, 09:41:00 PM
I also understand the difference. I am not trying to show their equivalence. I am just try to demonstrate that what LC reports on you screen does not in any way, shape or form represent anything meaningful about what you are earning.

I have some sympathy for your position.  From day 1 I've computed IRR for myself and pay attention to that rather than ANAR. 

Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: rawraw on November 22, 2015, 07:54:16 AM
If you are trying to adjust results, just build an allowance like a bank will.

There are two pools.  Individually evaluated for impairment (late notes) and collectively evaluated (current notes).

The way to build this reserve for LC is easy.  For collectively evaluated, take the average charge off of each grade over 1 year and apply it to the balance of current notes.  Then for individually evaluated, apply LC's loss estimates (possibly modified by a fraction of avg charge off for the grade to total charge offs to adjust for grade levels).  This total balance would be your expected losses in 1 year and 'fair value' your portfolio unless the economy changes.

And of course ANAR is going to be more inflated the more risky your portfolio is.  There is higher embedded losses in the current portfolio that are not being accounted for.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: hoggy1 on November 22, 2015, 12:00:54 PM
If you are trying to adjust results, just build an allowance like a bank will.

There are two pools.  Individually evaluated for impairment (late notes) and collectively evaluated (current notes).

The way to build this reserve for LC is easy.  For collectively evaluated, take the average charge off of each grade over 1 year and apply it to the balance of current notes.  Then for individually evaluated, apply LC's loss estimates (possibly modified by a fraction of avg charge off for the grade to total charge offs to adjust for grade levels).  This total balance would be your expected losses in 1 year and 'fair value' your portfolio unless the economy changes.

And of course ANAR is going to be more inflated the more risky your portfolio is.  There is higher embedded losses in the current portfolio that are not being accounted for.

I didn't know until last week that the charge off data was available to us. That's what made this investigation possible. The adjustment you suggest woud certainly work. But I am and have been happy with my ability to understand my returns. I just never had the time to figure out how and why LCs repoted ANAR was so much higher than what i knew the returns to be.

My post was a public service which took quite some effort as a caution to newer members or some who struggle with the math and statics and might mistakenly depend on LC data which provides a false picture for the reasons stated and several others I haven't even gotten to yet. The "What does yours look like" thread is the 3rd most often viewed and the 2nd most replied to thread of any threads begun this year, so I assumed there was a large mislead audience to worry about.

Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Rob L on November 22, 2015, 12:56:23 PM
Thanks for the excellent post. ANAR has some problems for sure but it has some value.

I too was using my own adjustments for past due notes and noticed LC used theirs for the Understanding Your Returns graph. This made sense since the adjustments had to be the same for everyone on the graph or any comparative value would be lost. LC was probably trying to compare apples to apples, not to artificially make the returns look better. I think LC's motivation to provide ANAR was cautionary and educational and may have done a pretty good job of it. Before ANAR there was just NAR which could definitely mislead.

If you know enough to compute your own IRR or XIRR you may not have much use for ANAR. I keep an eye on it over the short term and that has been informative. Over the past 6-8 weeks mine dropped 50 basis points and my portfolio age is about 17 months. It was my first indication that I was having a bad month and it turned out I did.

I think your point regarding an adjustment for current notes is a very good one. ANAR provides a number at one point in time, with losses projected only 9 months into the future, and the chart shows us going forward what we can expect (kinda). If all loans were either 36 month or 60 month that would be fine. While we may have only one set of loan status migration percentages (over 9 months) for both 36 and 60 month loans (maybe they are roughly the same), an adjustment for current notes would definitely be very different. Said another way a 10% ANAR portfolio with all 36 month notes and an average age of 15 months is the same dot on the graph as a similar portfolio with all 60 month notes (or any mixture of 36 and 60 month loan lengths). In this way the graph is apples to every other fruit. If you take a look at the comparative spreadsheet by lascott it's clear that P2PQ performance is heavily influenced by the percentage of 36 and 60 month loans owned. That 60 month loans for any grade are issued at a higher interest rate than 36 month loans and that ANAR does not factor in loan length may be a reason. Throw in folio trading and we have fruit salad. If I'm wrong here somebody please set me straight. Won't be the first (or last) time.

As an improvement LC could possibly compute a WALL (weighted average loan length)  factor and apply it as a current note adjustment to compute a new AANAR. This would not address rawraw's valid point regarding the differences in portfolio riskiness but it would at least make the graph apples to apples and would be a pretty easy fix. We already have a button to display similarly risky portfolios (WAIR).  This is no substitute for IRR but a nice improvement with no chance of being implemented. :)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: hoggy1 on November 22, 2015, 04:58:40 PM
Thanks for the excellent post. ANAR has some problems for sure but it has some value.
....
 I keep an eye on it over the short term and that has been informative. Over the past 6-8 weeks mine dropped 50 basis points and my portfolio age is about 17 months. It was my first indication that I was having a bad month and it turned out I did.


Well, I will at least conceede that: relative changes over time are probably (I'm not promising anything) in the right direction.

... If all loans were either 36 month or 60 month that would be fine. While we may have only one set of loan status migration percentages (over 9 months) for both 36 and 60 month loans (maybe they are roughly the same)...  Said another way a 10% ANAR portfolio with all 36 month notes and an average age of 15 months is the same dot on the graph as a similar portfolio with all 60 month notes (or any mixture of 36 and 60 month loan lengths). In this way the graph is apples to every other fruit.


You are correct; the mix of 36 and 60 month notes is another complication I considered but did not delve deeply into (there are just too many). As for the different discounts for 36 vs 60, we can be certain they can not be the same or the default curves for the first 36 months would have to be the same for both and they are not. You can see the cumulative monthly default for 36 month loans on the last line of the 36m amortization schedule in reply #121 above. It is 15.18% as discussed in the text. The cumulative default rate for 60m notes at month 36 (a hidden row) is 18.34%. So the "borrowers" themselves are different and behave differently.

an adjustment for current notes would definitely be very different.

I am so pleased someone got this point. Our personal data point does NOT include any discount for current note, BUT the population points for all other accounts are corrected. That is why everyone reports their performance not just above average, but 1-4 SDs above average.

If you take a look at the comparative spreadsheet by lascott it's clear that P2PQ performance is heavily influenced by the percentage of 36 and 60 month loans owned.

I forgot to mention one important point. The data I used and illustrated is precisely the same data that P2PQ used; in fact Turing of P2PQ was the one who told me how to download the data

Throw in folio trading and we have fruit salad.

Nicely said but I am at least 2SDs above the salad. The numbers had to be nonsense.

As an improvement LC could possibly compute a WALL (weighted average loan length)  factor and apply it as a current note adjustment to compute a new AANAR. This would not address rawraw's valid point regarding the differences in portfolio riskiness but it would at least make the graph apples to apples and would be a pretty easy fix. We already have a button to display similarly risky portfolios (WAIR).  This is no substitute for IRR but a nice improvement with no chance of being implemented. :)

LC knows how to properly adjust each users ANAR; they just don't do it. If we could input a discount rate for current notes, even we could compute the correct numbers to use. You would have to do what I did for E grade loans for all the other grades. Then you would make two tables that would work for everyone. The tables would be age x grade (2 of them, one for 36 and one for 60) containing the discount rates in the rightmost column of my amortization tables. I described someplace in the text how to interpolate between the two based on you relative percentage holding of each. But you could go further and created the weighted average for each loan grade based on your holdings.

Anyway, thanks for the thoughtful response.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on November 22, 2015, 06:26:52 PM
Again, I think we are using the values we are for the spreadsheet because it is the one source that everyone easily has access to without other gyrations.  Everything is reasonably relative to the other entries.  I give more credence to the "seasoned" 12 month+ "Weighted Average Age of Portfolio" entries.

an adjustment for current notes would definitely be very different.
I am so pleased someone got this point. Our personal data point does NOT include any discount for current note, BUT the population points for all other accounts are corrected. That is why everyone reports their performance not just above average, but 1-4 SDs above average.
I think rawraw may reference it as well plus your post emphasized it quiet a bit.
And of course ANAR is going to be more inflated the more risky your portfolio is.  There is higher embedded losses in the current portfolio that are not being accounted for.

I'm not sure what *general* adjustment would be good for current if you could enter one.  I'd suggest that Lending Club "bakes" that into the other adjustments (Loss Assumptions -- 9 Month) on  https://www.lendingclub.com/account/investorReturnsAdjustments.action

Current note loss rates could vary a lot because they could be very new or very old (issue date), of course.  Using avg age can really be skewed if people are buying a lot of notes ... or have really old accounts. That is all over the board in that spreadsheet as well (old-Peter-several-years; new-lascott ROTH-a-few-months).

Did you realize that "Nickel Steamroller" (NSR) uses 0% as well?  They've been around a while and probably have analyzed this pretty well just like LC has.
Image: http://i.imgur.com/Ppbk510.png
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2FPpbk510.png&hash=8fa47613fbea1160ceb02653b3c9f9ce)

NSR back testing allows you to easily see loss rates by year.  One could, for example, look at the avg of 2011-2015 loss rates, for 36A's, 36B's, ... 60F's, 60G's to try to adjust a personal portfolio.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: AnilG on November 22, 2015, 07:22:29 PM
If you knew the history, you wouldn't quote NSR ROI. It is POS that they copied from Lendstat. There was actually arguments between Lendstat and NSR as NSR had lifted the equation without giving credit to Lendstat. During the early age of p2p lending, the lendstat guy was trying to come up with an equation that approximated p2p lending portfolio IRR. IMO, he came up with that equation by trial and error noticing that it gave the closest number to IRR of his and few other people's portfolios. There is no theoretical basis to that equation. In retrospect, it looks like net return divided by portfolio duration where portfolio duration is approximated by interest received divided by interest rate.

I can't find it right now but Lending Club had hired a consulting company to identify proper measure for loan performance who proposed NAR in a published LC sponsored white paper.

For comparing actual portfolio performance, I suggest using any money-weighted or time-weighted return measures such as IRR. For backtesting, I suggest using NAR. If you want, you can take computing-intensive approach: create sample portfolios, account for payment timing and amount, reinvest that amount in loans available during payment events, and so on ... but return on effort is not worth it.

Did you realize that "Nickel Steamroller" (NSR) uses 0% as well?  They've been around a while and probably have analyzed this pretty well just like LC has.

NSR back testing allows you to easily see loss rates by year.  One could, for example, look at the avg of 2011-2015 loss rates, for 36A's, 36B's, ... 60F's, 60G's to try to adjust a personal portfolio.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on November 22, 2015, 08:13:52 PM
If you knew the history, you wouldn't quote NSR ROI. It is POS that they copied from Lendstat. There was actually arguments between Lendstat and NSR as NSR had lifted the equation without giving credit to Lendstat. During the early age of p2p lending, the lendstat guy was trying to come up with an equation that approximated p2p lending portfolio IRR. IMO, he came up with that equation by trial and error noticing that it gave the closest number to IRR of his and few other people's portfolios. There is no theoretical basis to that equation. In retrospect, it looks like net return divided by portfolio duration where portfolio duration is approximated by interest received divided by interest rate.
Thanks for some of that background. It does appear you used it at one point (stumbled across in my related searches): https://www.peercube.com/blog/post/lending-club-loans---positive-roi-for-two-third-of-all-loans  (You have a nice graphic that displays the forumula better in your blog post as well.)
Image: http://i.imgur.com/OYnwdFh.png
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2FOYnwdFh.png&hash=228385aced4ac505e2921f8c057b1ac9)

Some interesting back and forth in the comment section here between Michael and Bryce Mason: http://blog.nsrplatform.com/2012/01/taking-estimated-roi-to-the-next-level/

Bryce Mason (January 17, 2012 at 1:42 pm) says: 
Quote
Partly the reason why I find ROI conversations boring. One has to make all sorts of assumptions and guesses to produce a number. It’s at best murky and at worst a distraction from the real issue. The real issue is how to best weigh risk versus reward and pick the notes that have the highest expected return. The portfolio only serves to reduce the variance in the expected return of a bunch of notes.
Title: Re: What does yours look like: This can't be right
Post by: AnilG on November 22, 2015, 08:34:02 PM
Steve,

While your work is admirable, you are trying to fit square peg in round hole. You are trying to reconcile two different measures, NAR and IRR. You discounted the value of loans for future losses when estimating adjustment to NAR but did you make the same future loss adjustments to ending portfolio value when estimating IRR?

You estimate IRR based on portfolio starting and ending value. IRR doesn't care what you do inside the portfolio, it only cares about cash coming and going out of portfolio. There is no adjustment in IRR for future losses or gains. IRR is a past performance measure for portfolio. NAR is performance measure for loans. When you are using NAR, you are taking into account investment made in each loan irrespective of whether the investment was made using the cash coming into portfolio or received as repayment.

The return on a portfolio is return (I) divided by original investment (P). When you do this at portfolio level, you take the difference in portfolio value as return (I) and original portfolio value as original investment (P) so return is I/P. When you do this at loan level, you take the Net return in all loans lent to divided by original amount lent. But some of the original amount lent at loan level came from the interest and principal return from other loans.

I will suggest looking into basic mathematical equation for calculating NAR and IRR and see if you can derive one equation from another. You need to calculate IRR of individual loans in a portfolio and reconcile IRR of all loans in portfolio with IRR of portfolio.

To keep things simple, I call IRR to be past performance of your portfolio and NAR to be future expected performance of your portfolio based on the return received to date.


So let me return to the subject of the proper amount to discount our CURRENT notes. My account is made up of 85% 60 month notes and 15% 36 month notes. For 13 month old average age account, 60m notes should be discounted 6.1% and 36m notes 3.81. My composite CURRENT notes should then be discounted by 5.76% (0.85*6.1 + 0.15* 3.81). Remember according to LC, my ANAR was 15.11%. If I add a discount (if I could) to my current notes of 5.76% my real ANAR would be properly reported as 9.35%. That is a 0.38% difference from what my XIRR properly reports at 8.98%.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: AnilG on November 22, 2015, 08:42:32 PM
Yep, I tried to use the same equations with some adjustments but gave up after noticing the errors. As I learnt more about performance measurement and benchmarking of different investment types, it was clear most probably there will be no consensus on appropriate single performance measure that will work both at portfolio and loan level. Even real-estate investment grapple with similar issues.
 
Thanks for some of that background. It does appear you used it at one point (stumbled across in my related searches): https://www.peercube.com/blog/post/lending-club-loans---positive-roi-for-two-third-of-all-loans  (You have a nice graphic that displays the forumula better in your blog post as well.)

Some interesting back and forth in the comment section here between Michael and Bryce Mason: http://blog.nsrplatform.com/2012/01/taking-estimated-roi-to-the-next-level/
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on November 22, 2015, 08:48:02 PM
I can't find it right now but Lending Club had hired a consulting company to identify proper measure for loan performance who proposed NAR in a published LC sponsored white paper.
I looked for a while but couldn't find it.  I thought they may have referenced it [white paper] on this page:

How We Calculate Net Annualized Return
& How We Calculate Adjusted Net Annualized Return
& How we Calculate Traded Note NAR
https://www.lendingclub.com/public/lendersPerformanceHelpPop.action
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: AnilG on November 22, 2015, 08:55:13 PM
White Paper was a PDF file. Another one in understanding intricacies of NAR behavior
https://www.lendingclub.com/public/about-nar.action

I looked for a while but couldn't find it.  I thought they may have referenced it on this page:

How We Calculate Net Annualized Return / How We Calculate Adjusted Net Annualized Return / How we Calculate Traded Note NAR
https://www.lendingclub.com/public/lendersPerformanceHelpPop.action
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: RaymondG on November 22, 2015, 11:53:08 PM
Again, I think we are using the values we are for the spreadsheet because it is the one source that everyone easily has access to without other gyrations.  Everything is reasonably relative to the other entries.  I give more credence to the "seasoned" 12 month+ "Weighted Average Age of Portfolio" entries.
I agree. My Combined ANAR from LC 10.4% is very close to my XIRR 10.6% (of past two years, includes adjustment for late notes).

Here is the update of my Novemeber data:

*Combined* ANAR : 10.4%
Weighted Average Interest Rate:   17.53%
Weighted Average Age of Portfolio:   24.6 mos
Number of Notes:   2,593

A(0.2%) B (0.6%) C(9.4%) D(54.4%) E(30.3%) F(4.6%) G(0.7%)

36(15.9%) 60(84.1%)

vs All Accounts: 89.14
vs Similar Age Accounts: 96.60
vs Similar Age and WAIR Accounts: 92.47
(Reported by http://lc.geekminute.com/Home/ANARCompare)

Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: NSR on November 23, 2015, 05:25:45 PM
Anil,

1.)

Please see: http://blog.nsrplatform.com/2014/01/nickel-steamroller-2-0/ in response to not giving credit where credit is due.  This is just one example of the many.  I am also not familiar with the argument I had with Ken, if you have any references, please feel free to cite them.

2.)

Lending Club had a negative return in 2007. The total loss exceeded the the interest paid. You are reporting +1.18%
Even Lending Club confirms it was a down year: https://www.lendingclub.com/info/demand-and-credit-profile.action

Please be mindful before attacking others and calling their methodology a "POS"

Michael

If you knew the history, you wouldn't quote NSR ROI. It is POS that they copied from Lendstat. There was actually arguments between Lendstat and NSR as NSR had lifted the equation without giving credit to Lendstat. During the early age of p2p lending, the lendstat guy was trying to come up with an equation that approximated p2p lending portfolio IRR. IMO, he came up with that equation by trial and error noticing that it gave the closest number to IRR of his and few other people's portfolios. There is no theoretical basis to that equation. In retrospect, it looks like net return divided by portfolio duration where portfolio duration is approximated by interest received divided by interest rate.

I can't find it right now but Lending Club had hired a consulting company to identify proper measure for loan performance who proposed NAR in a published LC sponsored white paper.

For comparing actual portfolio performance, I suggest using any money-weighted or time-weighted return measures such as IRR. For backtesting, I suggest using NAR. If you want, you can take computing-intensive approach: create sample portfolios, account for payment timing and amount, reinvest that amount in loans available during payment events, and so on ... but return on effort is not worth it.

Did you realize that "Nickel Steamroller" (NSR) uses 0% as well?  They've been around a while and probably have analyzed this pretty well just like LC has.

NSR back testing allows you to easily see loss rates by year.  One could, for example, look at the avg of 2011-2015 loss rates, for 36A's, 36B's, ... 60F's, 60G's to try to adjust a personal portfolio.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: rubicon on November 25, 2015, 09:30:47 PM
updated numbers:


Weighted Average Interest Rate: 16.31%
Weighted Average Age of Portfolio: 4.6 months
Number of Notes: 7337
Issued & Current: 6632
Adjusted Net Annualized Return: 13.05%

36 Month = 91.7%
60 Month = 8.3%

A = 1.1%
B = 4.4%
C = 44.1%
D = 35.5%
E = 10.7%
F = 3.8%
G =0.4%
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: rubicon on November 25, 2015, 09:38:12 PM
there are many ways of calculating returns. It's up to the individual to pick one and stick with it while realizing the strength and weaknesses.

Couple of issues to be considered:
(1) Fair value on secondary market. Arguably loans that are on "down trend", have been missing payments, etc. should really be marked below par even if they are still current because that's where they would trade at.

(2) Cash vs accrual basis.
Do you only count cash interest paid OR accrue the interest over the month? For people who don't trade much, it probably doesn't matter that much over the long term. But for people who trade a lot it gets complicated because the amount you pay for the loan includes the accrued interest so you are not really "over-paying".
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on November 30, 2015, 01:11:40 PM
Updated rubicon and RaymondG and scottf200's
Added thinleywangchuk

NOVEMBER UPDATES
Image: http://i.imgur.com/JoAVWe9.png
<snip>

OCTOBER UPDATES
Image: http://i.imgur.com/4O1LVOT.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: ThinleyWangchuk on November 30, 2015, 01:28:02 PM
Got a few LC accounts.  This one has the most notes.  Hope this helps!
-Thinley
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: ThinleyWangchuk on November 30, 2015, 01:37:41 PM
"Focused" portfolio.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on November 30, 2015, 04:49:15 PM
Got a few LC accounts.  This one has the most notes.  Hope this helps!
-Thinley
Good stuff. Added. Thanks for the screen shots for verification.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: dbailey75 on December 03, 2015, 03:27:34 PM
Update for Nov,  I'm guessing we are longer tracking P2PQuant data.

Adjusted Net Annualized Return:             6.52%
Weighted Average Interest Rate:    12.20%
Weighted Average Age of Portfolio:    32.5 mos
Number of Notes:                  747

A 13.9%
B 32.3%
C 31.3%
D 10.9%
E 8.7%
F 2.3%
G 0.5%

Payment Term 
36 43.6%
60 56.4%
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jheizer on December 03, 2015, 03:33:31 PM
Update for Nov,  I'm guessing we are longer tracking P2PQuant data.


I've replicated it here minus the pretty graphs http://lc.geekminute.com/
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on December 03, 2015, 08:19:38 PM
Update for Nov,  I'm guessing we are longer tracking P2PQuant data.
Thx. I'm counting this for a Dec update.

DECEMBER UPDATES
Image: http://i.imgur.com/e1X90oT.png
Image: http://i.imgur.com/6zsbDuR.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: megamx26 on December 05, 2015, 05:26:26 PM
Finally hit the 3 month mark weighted which tool a while to load in my $100k test.  Here are the results so far

(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2FMGrnhhN.png&hash=71b31efd587c10a1ffcdd8f1bfefbe95)
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fimgur.com%2FLoOS2k4.png&hash=c97553fed5c7032067080d00f3c762a4)
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fimgur.com%2FsqXOXEO.png&hash=8545b51de0042a0b9047d7b2d98b55b3)
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fimgur.com%2Fe6TaQAt.png&hash=bdd565eb4d24f9ddd5a0f19645c3a800)
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fimgur.com%2F5zFZut2.png&hash=48abc8b6ab6b96ccad5792cde9b48f53)
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fimgur.com%2F8DQZs8L.png&hash=ababe63a16ac89e101fff2e521ea2c38)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on December 05, 2015, 05:48:33 PM
Finally hit the 3 month mark weighted which tool a while to load in my $100k test.  Here are the results so far
Congrats and thanks for the data. (Please provide the ANAR Compare data in the future: http://lc.geekminute.com/Home/ANARCompare )

DECEMBER UPDATES
Image: http://i.imgur.com/rNFIu5X.png
Image: http://i.imgur.com/Ws3nBoD.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: BruiserB on December 09, 2015, 02:45:01 PM
Haven't provided an update in a long time.  I actually have 2 accounts and will also include my IRA account as well.  My previous reported results were my non-IRA account.


Measure         Standard Account                 IRA Account
ANAR             9.91                                      9.53
WAIR             18.49                                    19.36
WAAoP          19.9                                      14.9
#Notes           10,378                                  1,120
WAIR-ANAR   8.58                                      9.83
A                    1.9                                        0.0
B                    5.8                                        0.1
C                    9.5                                        13.3
D                    27.5                                      33.0
E                    31.2                                       24.6
F                     20.6                                       26.3
G                    3.6                                         2.7
36                  33.9                                        39.4
60                  66.1                                       60.6
Q                    87.24                                     83.62
R                    94.61                                     91.12
S                    82.38                                     72.22
                      No Folio                                  No Folio
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on December 09, 2015, 08:35:40 PM
Haven't provided an update in a long time.  I actually have 2 accounts and will also include my IRA account as well.  My previous reported results were my non-IRA account.
Cool.
DECEMBER UPDATES
Image: http://i.imgur.com/mgtg4jf.png
Image: http://i.imgur.com/eioL1IC.png
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: BritishJim on December 24, 2015, 01:25:53 PM
Adjusted Net Annualized Return: 9.21%
Weighted Average Interest Rate: 14.50%
Weighted Average Age of Portfolio: 22.1 mos
Number of Notes: 64,986

My Notes at-a-Glance 64992   
Not Yet Issued  314   
Issued & Current  46,861   
In Grace Period  619   
Fully Paid  12,671   
Late 16 - 30 Days  278   
Late 31 - 120 Days 1,254   
Default 85   
Charged Off 2,910

A 3.1%
B 10.5%
C 36.4%
D 28.8%
E 15.5%
F 5.4%
G 0.2%

36 41.0%
60 59.0%


Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on December 24, 2015, 04:07:17 PM
I've been investing since Prosper first opened their cyber doors and we were bidding on loans and later when Lending Club started up.  I'm like 99% of those who view this forum, always a reader, rarely a contributor. Since you've asked for my numbers, I'll submit those but probably as a one-off.  <snip>

Adjusted Net Annualized Return: 9.21%
Weighted Average Interest Rate: 14.50%
Weighted Average Age of Portfolio: 22.1 mos
Number of Notes: 64,986

My Notes at-a-Glance 64992   
Not Yet Issued  314   
Issued & Current  46,861   
In Grace Period  619   
Fully Paid  12,671   
Late 16 - 30 Days  278   
Late 31 - 120 Days 1,254   
Default 85   
Charged Off 2,910

A 3.1%, B 10.5%, C 36.4%, D 28.8%, E 15.5%, F 5.4%, G 0.2%

36 41.0%, 60 59.0%
Thanks much for sharing.

DECEMBER UPDATES
Image: http://i.imgur.com/9GUFUqc.png
Image: http://i.imgur.com/5e5krmo.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: gottodo1 on December 26, 2015, 04:24:49 PM
I'd meant to do this along time ago since you guys have helped so much over the years and I forgot. Don't think I'm doing tooo shabby considering my first large push was mostly A&B loans back last decade... but that was back in the good old days. This doesn't include all the Folio notes... that'd push this up another 180 notes and 1.3% higher. Most of the notes are $25 from the beginning or $50 from the recent few years.

Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on December 26, 2015, 05:25:32 PM
I'd meant to do this along time ago since you guys have helped so much over the years and I forgot. Don't think I'm doing tooo shabby considering my first large push was mostly A&B loans back last decade... but that was back in the good old days. This doesn't include all the Folio notes... that'd push this up another 180 notes and 1.3% higher. Most of the notes are $25 from the beginning or $50 from the recent few years.
Can you please provide the rest of the data (b&c&d). TIA!  From post #3.

Image: http://i.imgur.com/8yp8Tuo.png
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2F8yp8Tuo.png&hash=ff80ffc1c9a071c669ac9003f7afeac7)

How YOU can provide the data to this thread details:
a) Purple box "Understanding Your Returns" (C,D,E,F) from
   https://www.lendingclub.com/account/lenderBenchmarkReturns.action#what-are-nar
b) Pink box "My Account # More Details" (G..M) from
   https://www.lendingclub.com/account/lenderAccountDetail.action
c) Green box "My Account # More Details" (N,O) from (click Term)
   https://www.lendingclub.com/account/lenderAccountDetail.action
d) Blue box "ANARC% Calc" (P,Q,R)
   http://lc.geekminute.com/Home/ANARCompare
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Silverstorm on December 26, 2015, 09:28:25 PM
Figured I'd toss my numbers up here.  Hopefully it'll give me a little incentive to make sure I'm picking the best loans!

ANAR: 10.68
WAIR: 16.62
Age: 6.5 mos
Notes: 439

A: 0.0%
B: 1.8%
C: 4.9%
D: 79.6%
E: 13.0%
F: 0.5%
G: 0.3%

36mo: 100%
60mo: 0%

vs All: 92.09
vs Similar Age: 85.32
vs Similar Age/WAIR: 69.90

Overall, I can't complain at 10.6% (Excel IRR of 7.1%), but the last line there is the one that gets me.  I don't know if I'm just getting unlucky based on my filters, if something's changed and the backtesting I did is no longer representative, or if the "going to defaults" all started early.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Rob L on December 27, 2015, 01:42:16 AM
Overall, I can't complain at 10.6% (Excel IRR of 7.1%), but the last line there is the one that gets me.  I don't know if I'm just getting unlucky based on my filters, if something's changed and the backtesting I did is no longer representative, or if the "going to defaults" all started early.

You shouldn't read anything into the P2PQ "vs" numbers as they do not account for the difference between 36 month and 60 month loans. It's apples to oranges really. Your portfolio exclusively holds notes in 36 month loans. For 60 month loans with the same credit profile and amount Lending Club typically adds from 4 to 8 sub-grades (2.62% - 5.03% interest, average 3.82%). See:

https://www.lendingclub.com/public/60-month-notes.action (https://www.lendingclub.com/public/60-month-notes.action)

The P2PQ calculation does not take this interest rate differential into consideration. Add 3-4% to your ANAR and the see how your P2PQ numbers look.
It is also true that 60 month loans charge off more slowly than 36 month loans. Presumably the lower payments are easier to make (at least in the short run). See:

https://www.dropbox.com/s/22ch9utcu055soq/Cumulative%20CO%20Rates%20Projected%20Loss%20Curves%20v15_NOV2015.xlsx?dl=0 (https://www.dropbox.com/s/22ch9utcu055soq/Cumulative%20CO%20Rates%20Projected%20Loss%20Curves%20v15_NOV2015.xlsx?dl=0)

Don't think you really have much reason to worry just yet.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on December 27, 2015, 10:40:25 AM
Figured I'd toss my numbers up here.  Hopefully it'll give me a little incentive to make sure I'm picking the best loans!

ANAR: 10.68, WAIR: 16.62, Age: 6.5 mos, Notes: 439

A: 0.0%, B: 1.8%, C: 4.9%, D: 79.6%, E: 13.0%, F: 0.5%, G: 0.3%
36mo: 100%, 60mo: 0%

vs All: 92.09, vs Similar Age: 85.32, vs Similar Age/WAIR: 69.90
 
Overall, I can't complain at 10.6% (Excel IRR of 7.1%), but the last line there is the one that gets me.  I don't know if I'm just getting unlucky based on my filters, if something's changed and the backtesting I did is no longer representative, or if the "going to defaults" all started early.
Thanks much for sharing.

DECEMBER UPDATES
Image: http://i.imgur.com/xkwD4mc.png
Image: http://i.imgur.com/xpT1Gja.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: gottodo1 on December 27, 2015, 04:18:36 PM
Lascott, Didn't notice the other 3.

LC Tools
ANAR Compare
Your Portfolio

vs All Accounts:
79.04
vs Similar Age Accounts:
87.80
vs Similar Age and WAIR Accounts:
86.48
© 2015 - Jon Heizer
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on December 27, 2015, 04:38:43 PM
Lascott, Didn't notice the other 3.

vs All Accounts: 79.04
vs Similar Age Accounts: 87.80
vs Similar Age and WAIR Accounts: 86.48
Thanks for the follow up. I updated the table in the previous post.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: ThinleyWangchuk on December 27, 2015, 04:45:30 PM
@jonpildis
Congrats on the great returns... If you don't mind sharing, how do you screen through all the notes?  What are your thoughts on trading notes?
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Lovinglifestyle on December 28, 2015, 10:10:07 PM
Updates.  If this is all wrong six ways to Sunday, tell me.  For the P,Q, and R boxes I really didn't know what to do.  So what I did was use combined adjusted for ANAR and combined not adjusted for WAIR for the entries.

Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Lovinglifestyle on December 28, 2015, 10:11:07 PM
The other two:


Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on December 28, 2015, 10:34:07 PM
Updates.  If this is all wrong six ways to Sunday, tell me.  For the P,Q, and R boxes I really didn't know what to do.  So what I did was use combined adjusted for ANAR and combined not adjusted for WAIR for the entries.
Thanks for the updates. I think your ANAR is mismatched with what you provided before.

Can you give me the "Combined Return" instead of "Primary Notes"?  Jumping 7 does not seem accurate :)

Lovinglifestyle   10/26/2015   9.80% - before
Lovinglifestyle   12/28/2015   16.89% - current/now
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: ThinleyWangchuk on December 28, 2015, 10:36:50 PM
Updates.  If this is all wrong six ways to Sunday, tell me.  For the P,Q, and R boxes I really didn't know what to do.  So what I did was use combined adjusted for ANAR and combined not adjusted for WAIR for the entries.
Impressive!  How do you manage to have such low non performing loans?
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Lovinglifestyle on December 29, 2015, 12:54:06 AM
Updates.  If this is all wrong six ways to Sunday, tell me.  For the P,Q, and R boxes I really didn't know what to do.  So what I did was use combined adjusted for ANAR and combined not adjusted for WAIR for the entries.
Thanks for the updates. I think your ANAR is mismatched with what you provided before.

Can you give me the "Combined Return" instead of "Primary Notes"?  Jumping 7 does not seem accurate :)

Lovinglifestyle   10/26/2015   9.80% - before
Lovinglifestyle   12/28/2015   16.89% - current/now

Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Lovinglifestyle on December 29, 2015, 12:55:57 AM
Updates.  If this is all wrong six ways to Sunday, tell me.  For the P,Q, and R boxes I really didn't know what to do.  So what I did was use combined adjusted for ANAR and combined not adjusted for WAIR for the entries.
Thanks for the updates. I think your ANAR is mismatched with what you provided before.

Can you give me the "Combined Return" instead of "Primary Notes"?  Jumping 7 does not seem accurate :)

Lovinglifestyle   10/26/2015   9.80% - before
Lovinglifestyle   12/28/2015   16.89% - current/now

Part 2 (file too large for prior post)

Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Silverstorm on December 29, 2015, 01:12:13 AM
Overall, I can't complain at 10.6% (Excel IRR of 7.1%), but the last line there is the one that gets me.  I don't know if I'm just getting unlucky based on my filters, if something's changed and the backtesting I did is no longer representative, or if the "going to defaults" all started early.

You shouldn't read anything into the P2PQ "vs" numbers as they do not account for the difference between 36 month and 60 month loans. It's apples to oranges really. Your portfolio exclusively holds notes in 36 month loans. For 60 month loans with the same credit profile and amount Lending Club typically adds from 4 to 8 sub-grades (2.62% - 5.03% interest, average 3.82%).

/snip

Add 3-4% to your ANAR and the see how your P2PQ numbers look.
It is also true that 60 month loans charge off more slowly than 36 month loans. Presumably the lower payments are easier to make (at least in the short run).

Don't think you really have much reason to worry just yet.

Makes sense.  I didn't consider the impact of 60-month loans on ANAR.  Longer term, though, I wouldn't expect those to be materially different.  They may have higher rates, but I understand they may default more to "compensate".

Overall, I'm not worried, and I can't complain about the return relative to a lot of options.  I'd just like to close the gap between ANAR and WAIR a little bit.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Lovinglifestyle on December 29, 2015, 01:15:48 AM
Updates.  If this is all wrong six ways to Sunday, tell me.  For the P,Q, and R boxes I really didn't know what to do.  So what I did was use combined adjusted for ANAR and combined not adjusted for WAIR for the entries.
Impressive!  How do you manage to have such low non performing loans?

I've been on and off about selling them.  Currently I'm keeping all the lates sold as soon as they go Grace, after watching the numbers mount when I stopped selling for six months in the first half of 2015.  Meanwhile, I'm not replacing them with anything similar so my cash is mounting and my interest is dropping.  I'm not good about selling on Fico drops just because there are too many and I'm too lazy.  Since I don't have capital gains offsets, I'd like to keep the 3K/yr. losses within my lifetime.  Current notes I tried to sell at a smallish (2.5%) premium didn't sell, so no joy offsetting losses that way.  Bryce's viewpoint about this subject made a lot of sense to me.  Maybe you've read his recent posts about it.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on December 29, 2015, 01:22:00 AM
Thanks Lovinglifestyle.
Thanks RaymondG.

DECEMBER UPDATES
Image: http://i.imgur.com/wye1XZa.png
Image: http://i.imgur.com/Jp6FEp7.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: RaymondG on December 31, 2015, 02:05:51 PM
Barely maintained positive return in October and December. Overall Interest Received/Adj.Loss = 1.45 in year 2015 which is 0.3 lower than year 2014. Annoyed by early defaults and accumulating cash, I am starting to purchase notes from FolioFn market. Wish a much better new year!


Here is my update:

(New) Adj. TTM (trailing twelve months) IRR : 9.97%
Combined ANAR: 10.11
WAIR: 17.53
Age: 25.4 mos
Notes: 2,594

A: 0.2
B: 0.6
C: 9.6
D: 53.8
E: 30.6
F: 4.5
G: 0.6

36mo: 15.2
60mo: 84.8

vs All: 89.39
vs Similar Age: 96.61
vs Similar Age/WAIR: 92.09
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on December 31, 2015, 02:17:35 PM
Barely maintained positive return in October and December. Overall Interest Received/Adj.Loss = 1.45 which is 0.3 lower than year 2014. Wish a good new year!

Here is my update:
Combined ANAR: 10.11, WAIR: 17.53, Age: 25.4 mos, Notes: 2,594

A: 0.2, B: 0.6, C: 9.6, D: 53.8, E: 30.6, F: 4.5, G: 0.6

36mo: 15.2, 60mo: 84.8

vs All: 89.39, vs Similar Age: 96.61, vs Similar Age/WAIR: 92.09
Thanks. Will be interesting to see how your first few months of 2016 turn out. I updated the sheets and prev post.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: RaymondG on December 31, 2015, 02:46:59 PM
Thanks. Will be interesting to see how your first few months of 2016 turn out. I updated the sheets and prev post.

Sorry, could you please update the worksheet with my latest modified numbers? ANAR and P Q R were updated. Not easy to post with iPhone :(
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on December 31, 2015, 03:00:02 PM
Thanks. Will be interesting to see how your first few months of 2016 turn out. I updated the sheets and prev post.
Sorry, could you please update the worksheet with my latest modified numbers? ANAR and P Q R were updated. Not easy to post with iPhone :(
Sure. Updated.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: dbailey75 on January 01, 2016, 10:19:22 PM
Update for December 2015
Adjusted Net Annualized Return: 6.72%
Weighted Average Interest Rate: 12.25%
Weighted Average Age of Portfolio: 30.8 mos
Number of Notes: 800

Grade
A 14.0%
B 30.0%
C 33.7%
D 10.9%
E 8.9%
F 2.0%
G 0.4%

Term
Payments 
36 41.3%
60 58.7%

vs All Accounts: 26.20
vs Similar Age Accounts: 37.96
vs Similar Age and WAIR Accounts: 38.24
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on January 01, 2016, 11:19:43 PM
Update for December 2015
Adjusted Net Annualized Return: 6.72%
Weighted Average Interest Rate: 12.25%
Weighted Average Age of Portfolio: 30.8 mos
Number of Notes: 800

Grade A 14.0%, B 30.0%, C 33.7%, D 10.9%, E 8.9%, F 2.0%, G 0.4%
Term Payments  36 41.3%, 60 58.7%
vs All Accounts: 26.20, vs Similar Age Accounts: 37.96 , vs Similar Age and WAIR Accounts: 38.24
Thanks.

DECEMBER UPDATES
Image: http://i.imgur.com/yk0k62Q.png
Image: http://i.imgur.com/EskIimU.png
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2Fyk0k62Q.png&hash=f32bf8e25b65e027b65663c8b54cf29a)
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2FEskIimU.png&hash=e8ed3b5f7e86001f6b7a2660204f49ae)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Fudgenut on January 03, 2016, 11:59:22 AM
It looks like PeerToPeerQuant is shut down.  Is there an alternative?
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on January 03, 2016, 12:02:11 PM
It looks like PeerToPeerQuant is shut down.  Is there an alternative?
Indeed -- http://lc.geekminute.com/Home/ANARCompare

Other details: http://www.lendacademy.com/forum/index.php?topic=3365.msg31611#msg31611
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Fudgenut on January 03, 2016, 12:08:45 PM
Fudgenut SEP IRA:
Adjusted Net Annualized Return3 ?:   11.60%
Weighted Average Interest Rate:   19.24%
Weighted Average Age of Portfolio:   18.4 mos
Number of Notes:   4,093

A(0.0%) B (0.0%) C(0.0%) D(55.4%) E(30.5%) F(11.4%) G(2.7%)
Payments  36(17.0%) 60(83.0%)

vs All Accounts:
95.51
vs Similar Age Accounts:
98.75
vs Similar Age and WAIR Accounts:
96.36

Fudgenut ROTH IRA:
Adjusted Net Annualized Return3 ?:   11.01%
Weighted Average Interest Rate:   19.35%
Weighted Average Age of Portfolio:   18.6 mos
Number of Notes:   3,335

A(0.0%) B (0.0%) C(0.0%) D(54.5%) E(30.4%) F(12.3%) G(2.8%)
Payments  36(16.3%) 60(83.7%)

vs All Accounts:
93.87
vs Similar Age Accounts:
97.62
vs Similar Age and WAIR Accounts:
91.67

Fudgenut Taxable:

Adjusted Net Annualized Return3 ?:   9.38%
Weighted Average Interest Rate:   18.90%
Weighted Average Age of Portfolio:   14.7 mos
Number of Notes:   1,940

A(0.0%) B (0.0%) C(0.0%) D(57.7%) E(30.9%) F(9.6%) G(1.8%)
Payments  36(15.6%) 60(84.4%)

vs All Accounts:
82.94
vs Similar Age Accounts:
89.79
vs Similar Age and WAIR Accounts:
77.46
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on January 03, 2016, 12:51:48 PM
Fudgenut SEP IRA:
Adjusted Net Annualized Return3 ?:   11.60%
Weighted Average Interest Rate:   19.24%
Weighted Average Age of Portfolio:   18.4 mos
Number of Notes:   4,093
A(0.0%) B (0.0%) C(0.0%) D(55.4%) E(30.5%) F(11.4%) G(2.7%)
Payments  36(17.0%) 60(83.0%)
vs All Accounts: 95.51, vs Similar Age Accounts: 98.75, vs Similar Age and WAIR Accounts: 96.36

Fudgenut ROTH IRA:
Adjusted Net Annualized Return3 ?:   11.01%
Weighted Average Interest Rate:   19.35%
Weighted Average Age of Portfolio:   18.6 mos
Number of Notes:   3,335
A(0.0%) B (0.0%) C(0.0%) D(54.5%) E(30.4%) F(12.3%) G(2.8%)
Payments  36(16.3%) 60(83.7%)
vs All Accounts: 93.87, vs Similar Age Accounts: 97.62, vs Similar Age and WAIR Accounts: 91.67

Fudgenut Taxable:
Adjusted Net Annualized Return3 ?:   9.38%
Weighted Average Interest Rate:   18.90%
Weighted Average Age of Portfolio:   14.7 mos
Number of Notes:   1,940
A(0.0%) B (0.0%) C(0.0%) D(57.7%) E(30.9%) F(9.6%) G(1.8%)
Payments  36(15.6%) 60(84.4%)
vs All Accounts: 82.94, vs Similar Age Accounts: 89.79, vs Similar Age and WAIR Accounts: 77.46
Looks like once you started you went hog wild :) -- and a same philosophy for taxable, gain taxable IRA account, and the tax-free IRA account
Topic: LendingClub API OrderSubmitOrders action  (Read 9597 times) on: July 21, 2013, 04:19:23 am
http://www.lendacademy.com/forum/index.php?topic=1352.0

JANUARY UPDATES:
Image: http://i.imgur.com/bPWQYfj.png
Image: http://i.imgur.com/OoN2CcK.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: storm on January 03, 2016, 04:54:14 PM
Looking good, Fudgenut!

Meanwhile, I'm still experiencing a slow decline...

Combined Adjusted Net Annualized Return:  10.61%
Weighted Average Interest Rate:   15.01%
Weighted Average Age of Portfolio:   27.2 mos
Number of Notes:   5,185
A(0.0%) B (6.3%) C(36.4%) D(28.8%) E(23.9%) F(3.3%) G(1.3%)
Payments  36(12.9%) 60(87.1%)
vs All Accounts:  92.26%
vs Similar Age Accounts:  97.92%
vs Similar Age and WAIR Accounts:  97.83%
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on January 03, 2016, 05:01:15 PM
Looking good, Fudgenut!

Meanwhile, I'm still experiencing a slow decline...

Combined Adjusted Net Annualized Return:  10.61%
Weighted Average Interest Rate:   15.01%
Weighted Average Age of Portfolio:   27.2 mos
Number of Notes:   5,185
A(0.0%) B (6.3%) C(36.4%) D(28.8%) E(23.9%) F(3.3%) G(1.3%)
Payments  36(12.9%) 60(87.1%)
vs All Accounts:  92.26%
vs Similar Age Accounts:  97.92%
vs Similar Age and WAIR Accounts:  97.83%
JANUARY UPDATES:
Image: http://i.imgur.com/6J4UoVI.png
Image: http://i.imgur.com/VyLnLFB.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Fudgenut on January 03, 2016, 05:40:21 PM
Yeah,  I am using the same filtering strategy for all 3 accounts.  I am considering switching my taxable account to a more conservative strategy,  but I haven't been able to pull the trigger yet.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: megamx26 on January 12, 2016, 09:02:09 PM
Update on mine at 4.1 months
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on January 13, 2016, 12:35:27 AM
Update on mine at 4.1 months
Your update is missing the data in the pink box.
Image: http://i.imgur.com/ysepHeJ.png
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2FysepHeJ.png&hash=530545b836f369e6487d0a207f80ebd9)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: megamx26 on January 13, 2016, 12:34:43 PM
@lascott  whoops, here it is
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on January 13, 2016, 01:12:08 PM
@lascott  whoops, here it is
Thx. Here's updates.

JANUARY UPDATES:
Image: http://i.imgur.com/XTylaIg.png
Image: http://i.imgur.com/quqGosz.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jheizer on January 15, 2016, 12:40:00 PM
Updated  https://docs.google.com/spreadsheets/d/1vIWsPi5fb3YTo_H3aOnIppxyypQkBZW90HpBcLXLjVo/edit?usp=sharing
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on January 15, 2016, 06:03:09 PM
Updated  https://docs.google.com/spreadsheets/d/1vIWsPi5fb3YTo_H3aOnIppxyypQkBZW90HpBcLXLjVo/edit?usp=sharing
Thx. Here's updates.

JANUARY UPDATES:
Image: http://i.imgur.com/zhb8tN3.png
Image: http://i.imgur.com/UxIRlhF.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: dr.everett on January 15, 2016, 11:15:01 PM
Ok- I'm interested...details attached for my IRA and Tax acct.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jennrod12 on January 16, 2016, 10:17:27 AM
I'd like to add my "buy and hold" account, just for fun.

This is the taxable account I started with LC just to get my feet wet and check it out.  I bought 200 notes (it was not easy to get to exactly 200!) and I'm not going to (re)invest any further.  I don't really want to be in LC in a taxable account, I have a Roth IRA that I'm continuing to invest in.  I was going for all 3-year notes, but I got one 5-year by mistake, maybe I'll sell it after 3 years.  Otherwise, no FOLIO

Adjusted Net Annualized Return:   9.54%
Weighted Average Interest Rate:   13.48%
Weighted Average Age of Portfolio:   2.7 mos
Number of Notes:   200
A(2.6%) B (24.6%) C(41.9%) D(22.2%) E(6.2%) F(2.6%) G(0%)
Payments  36(99.5%) 60(0.5%)

Vs. All Accounts - 83.07
Vs. Similar Age Accounts - 36.93
Vs. Similar age + WAIR Accounts - 29.73
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: RaymondG on January 16, 2016, 12:07:07 PM
Adjusted Net Annualized Return:   9.54%
Weighted Average Interest Rate:   13.48%
Weighted Average Age of Portfolio:   2.7 mos
Curious about the ANAR here. Why is it so lower than WAIR with an average age 2.7 months? Many non-performing notes, or just because that the age of portfolio is too young for LC to calculate a meaningful ANAR?
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jennrod12 on January 16, 2016, 05:56:01 PM
Curious about the ANAR here. Why is it so lower than WAIR with an average age 2.7 months? Many non-performing notes, or just because that the age of portfolio is too young for LC to calculate a meaningful ANAR?

I have two notes IGP and one Late 31-120 days.

One IGP missed their first payment on 1/1 - that payment is listed as "Overdue" and the 2nd payment on 2/1 is listed as "Scheduled".

The other IGP missed their first payment on 12/31, that payment is listed as "Pending".  I'm not sure if that's better than Overdue?  I haven't found a help page that explains those terms.  There is a note that the borrower promised to pay on 1/6.

The late one missed their first payment on 12/13 - that payment is listed as "Not Received".  Their 2nd payment on 1/13 is listed as "Pending".

Jenn
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on January 17, 2016, 01:58:10 AM
I'd like to add my "buy and hold" account, just for fun.

This is the taxable account I started with LC just to get my feet wet and check it out.  I bought 200 notes (it was not easy to get to exactly 200!) and I'm not going to (re)invest any further.  I don't really want to be in LC in a taxable account, I have a Roth IRA that I'm continuing to invest in.  I was going for all 3-year notes, but I got one 5-year by mistake, maybe I'll sell it after 3 years.  Otherwise, no FOLIO

Adjusted Net Annualized Return:   9.54%
Weighted Average Interest Rate:   13.48%
Weighted Average Age of Portfolio:   2.7 mos
Number of Notes:   200
A(2.6%) B (24.6%) C(41.9%) D(22.2%) E(6.2%) F(2.6%) G(0%)
Payments  36(99.5%) 60(0.5%)

Vs. All Accounts - 83.07
Vs. Similar Age Accounts - 36.93
Vs. Similar age + WAIR Accounts - 29.73
Generally first time poster in this thread should actually post screen shots so this could be "verified". Subsequently that is less of a concern.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on January 17, 2016, 02:01:16 AM
Ok- I'm interested...details attached for my IRA and Tax acct.

Thx. Here's an update with your accounts.

JANUARY UPDATES:
Image: http://i.imgur.com/4eNn5pJ.png
Image: http://i.imgur.com/KuMfi9d.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: FILTER on January 17, 2016, 06:12:10 PM
Hey Lascott,    Here is my latest:  For some reason, the last quarter dinged my ANAR by another 2%.  Are you liquidating your account?

Thanks for updating.

Adjusted Net Annualized Return:   11.11%
Weighted Average Interest Rate:   15.67%
Net Annualized Return:  15.84%
Weighted Average Age of Portfolio:   4.5 mos
Number of Notes:   7309
A(0.3%) B (10.3%) C(38.0%) D(28.0%) E(16.0%) F(6.5%) G(1.0%)
Payments  36(52.0%) 60(48.0%)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jennrod12 on January 17, 2016, 07:05:55 PM
Generally first time poster in this thread should actually post screen shots so this could be "verified". Subsequently that is less of a concern.

Got it, let's see if this works.  By the way, one IGP just flipped to late so the numbers are different now.

http://screencast.com/t/jHoGY9FNT1TQ (http://screencast.com/t/jHoGY9FNT1TQ)
http://screencast.com/t/oiSsisxlZsY8 (http://screencast.com/t/oiSsisxlZsY8)

Jenn
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on January 17, 2016, 08:20:11 PM
Are you liquidating your account?
How'd you come to that conclusion?  Sort of in my taxable accout. Didn't touch ROTH IRA. Took some money out for a car purchase. But adding that money plus more back in Jan.  Also doing some more grade balancing... hence some minus in some grades and pluses in other grades.

A(0.3%) B (10.3%) C(38.0%) D(28.0%) E(16.0%) F(6.5%) G(1.0%)
Unless I'm missing something these only adds to 98.1? Seems like more than rounding. Yes, my spreadsheet adds them up for a little validity/reasonablity check. Trust but verify ;)

Got it, let's see if this works.  By the way, one IGP just flipped to late so the numbers are different now.
Thanks.

JANUARY UPDATES
Image: http://i.imgur.com/6FpHnn5.png
Image: http://i.imgur.com/kX2HwoC.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: FILTER on January 17, 2016, 11:06:05 PM
Hey Lascott,  I doubled checked using the calculator and they add up to 100.1%.
 A(0.3%)
B (10.3%)
C(38.0%)
D(28.0%)
E(16.0%)
F(6.5%)
G(1.0%)
= 100.1%

Thanks for double checking and replying with regards to your accounts.  I only asked because the updated spreadsheet had much less notes.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on January 17, 2016, 11:14:08 PM
Hey Lascott,  I doubled checked using the calculator and they add up to 100.1%.
A(0.3%) B (10.3%)  C(38.0%) D(28.0%) E(16.0%) F(6.5%) G(1.0%) = 100.1%
Thanks for double checking and replying with regards to your accounts.  I only asked because the updated spreadsheet had much less notes.
My bad. I thought I double checked your numbers. I had 36 instead of 38 for your C grade. Corrected.

Quote
I only asked because the updated spreadsheet had much less notes.

? I'm actually up quite a few notes over Dec.

(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2Fql9Voat.png&hash=3efc86a3d87601792933cd5f06b87ebb)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: RaymondG on January 22, 2016, 09:53:07 AM
January is a good month. My adjusted loss amount decreased more than the sum of charged-offs in January so far. Someone must have received nice gift at year-end.

Here is the update:
(New) Adj. TTM (trailing twelve months) IRR : 10.53%
Combined ANAR: 10.48
Weighted Average Interest Rate:   17.41%
Weighted Average Age of Portfolio:   26.0 mos
Number of Notes:   2,928
A(0.2%) B (0.6%) C(10.8%) D(52.4%) E(30.6%) F(4.7%) G(0.6%)
Payments  36(14.3%) 60(85.7%)

vs All Accounts: 89.69
vs Similar Age Accounts: 97.31
vs Similar Age and WAIR Accounts: 92.86
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on January 22, 2016, 10:07:43 AM
January is a good month. My adjusted loss amount decreased more than the sum of charged-offs in January so far. Someone must have received nice gift at year-end.

Here is the update:
(New) Adj. TTM (trailing twelve months) IRR : 10.53%
Combined ANAR: 10.48
Weighted Average Interest Rate:   17.41%
Weighted Average Age of Portfolio:   26.0 mos
Number of Notes:   2,928
A(0.2%) B (0.6%) C(10.8%) D(52.4%) E(30.6%) F(4.7%) G(0.6%)
Payments  36(14.3%) 60(85.7%)

vs All Accounts: 89.69
vs Similar Age Accounts: 97.31
vs Similar Age and WAIR Accounts: 92.86
Nice. Love looking at these seasoned account numbers.

 I was just updating my taxable account numbers this morning as I am getting a little more aggressive in the note grades.

JANUARY UPDATES
Image: http://i.imgur.com/k9TDZj7.png
Image: http://i.imgur.com/QSJoA8t.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: aliengar0 on January 22, 2016, 11:15:07 AM
Here are my updates

Adjusted Net Annualized Return:   11.89%
Weighted Average Interest Rate:   19.53%
Weighted Average Age of Portfolio:   7.9 mos
Number of Notes:   1,189
A(0.2%) B (0.1%) C(3.5%) D(35.9%) E(37.9%) F(20.1%) G(2.3%)
Payments  36(23.3%) 60(76.7%)
vs All Accounts:95.40
vs Similar Age Accounts:96.38
vs Similar Age and WAIR Accounts:88.72
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on January 22, 2016, 02:12:09 PM
Here are my updates

Adjusted Net Annualized Return:   11.89%
Weighted Average Interest Rate:   19.53%
Weighted Average Age of Portfolio:   7.9 mos
Number of Notes:   1,189
A(0.2%) B (0.1%) C(3.5%) D(35.9%) E(37.9%) F(20.1%) G(2.3%)
Payments  36(23.3%) 60(76.7%)
vs All Accounts:95.40
vs Similar Age Accounts:96.38
vs Similar Age and WAIR Accounts:88.72
Thanks.
JANUARY UPDATES
Image: http://i.imgur.com/B7PFHBk.png
Image: http://i.imgur.com/Wvc64L4.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: dompazz on January 22, 2016, 07:01:22 PM
I'll join the party

Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: RaymondG on January 23, 2016, 10:27:58 AM
I was just updating my taxable account numbers this morning as I am getting a little more aggressive in the note grades.
I always think B,C,D would be the best grades for balaning between return and safty. For example, twigster's notes distribution, maybe a little more to 'B' and to term 36 month. A is too conservative, F & G are too volatile.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on January 23, 2016, 11:16:55 AM
I'll join the party
Your in.
JANUARY UPDATES
Image: http://i.imgur.com/njFSWi2.png
Image: http://i.imgur.com/AGJY8pc.png
<SNIP>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: RaymondG on February 20, 2016, 08:46:18 PM
Here is the update. Adjusted loss value from non-performing notes (excluding charge-offs) has dropped for the 2nd month.

Combined ANAR: 10.42
-- Adj. TTM (trailing twelve months) XIRR : 10.59%

Weighted Average Interest Rate:   17.53%
Weighted Average Age of Portfolio:   26.9 mos
Number of Notes:   2,608

A(0.2%) B (0.6%) C(11.3%) D(52.1%) E(30.4%) F(4.7%) G(0.7%)
Payments  36(13.8%) 60(86.2%)

vs All Accounts: 91.34
vs Similar Age Accounts: 97.67
vs Similar Age and WAIR Accounts: 94.12
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Fred93 on February 20, 2016, 11:18:25 PM
Fred93 update.

ANAR 10.10%
AAIR 13.82%
WAAoP 9.0 months
# notes 4001 (I used total notes - paid - chargedoff)

A 0.02%  B 20.30%  C53.74%  D 19.28%  E 6.63%  F 0.02%

Percentiles...
vs All Accounts:    88.99
vs Similar Age Accounts:    91.96
vs Similar Age and WAIR Accounts:    91.19
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: dompazz on February 21, 2016, 09:02:55 AM
ANAR: 8.21
WAIR: 10.41
WAAP: 10.1
#notes: 731

A/B/C/D/E/F - 31.27/38.32/19.04/8.47/2.74/0/0
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on February 21, 2016, 10:41:42 AM
A/B/C/D/E/F - 31.27/38.32/19.04/8.47/2.74/0/0

Fred93 update.
A 0.02%  B 20.30%  C53.74%  D 19.28%  E 6.63%  F 0.02%

Term % for 36 and 60?
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on February 21, 2016, 11:04:18 AM
JANUARY UPDATES:
Image: http://i.imgur.com/lUEByct.png
Image: http://i.imgur.com/FHxtwFw.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Fred93 on February 21, 2016, 03:10:45 PM
Term % for 36 and 60?

Oops.  36mo = 32%, 60mo = 68%
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jennrod12 on February 22, 2016, 09:27:03 AM
Here is my update - my account is "buy and hold" and in the holding stage so the # of loans and break downs haven't changed.

ANAR:  9.71
WAIR: 13.48
WAAP: 4.0

P2PQ1 ANRC vs. all accounts:  86.36
vs. similar accounts: 44.42
vs similar age +WAIR: 43.10

No Folio

Thanks!

Jenn
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on February 22, 2016, 09:31:12 AM
Here is my update - my account is "buy and hold" and in the holding stage so the # of loans and break downs haven't changed.
Thx.  When you get payments or notes (loans) are repaid in full are your reinvesting?  Won't those change your distribution in grades (and possible term %s)?
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jheizer on February 22, 2016, 09:32:07 AM
I think you may have updated an older version of your spread sheet.  A lot of the updates that were in this one http://www.lendacademy.com/forum/index.php?topic=3365.msg31872#msg31872  are gone now.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on February 22, 2016, 09:37:20 AM
I think you may have updated an older version of your spread sheet.  A lot of the updates that were in this one http://www.lendacademy.com/forum/index.php?topic=3365.msg31872#msg31872  are gone now.
Hmm.  Let me review. I have to go to the dentist soon so I'm a little distracted currently!
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jennrod12 on February 22, 2016, 09:41:01 AM
Thx.  When you get payments or notes (loans) are repaid in full are your reinvesting?  Won't those change your distribution in grades (and possible term %s)?

I am not re-investing (that's part of the "hold" part).  I'll take the money out periodically.

Jenn
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on February 22, 2016, 02:11:23 PM
Thx.  When you get payments or notes (loans) are repaid in full are your reinvesting?  Won't those change your distribution in grades (and possible term %s)?
I am not re-investing (that's part of the "hold" part).  I'll take the money out periodically. Jenn
No worries. I'm just pointing out if 10% of your Bs pay off early then the percentages across your other grades will change (just an example).
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Fred93 on February 22, 2016, 02:37:49 PM
I'm just pointing out if 10% of your Bs pay off early then the percentages across your other grades will change (just an example).

It ends up pretty stable.  Every grade repays. 
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on February 22, 2016, 02:51:52 PM
I think you may have updated an older version of your spread sheet.  A lot of the updates that were in this one http://www.lendacademy.com/forum/index.php?topic=3365.msg31872#msg31872  are gone now.
I can't really explain what happened but I think I have the sync'd up. Re-updated megamx26, jheizer, & storm's data. Thanks for the eagle eye.

JANUARY UPDATES:
Image: http://i.imgur.com/rpMvKaf.png
Image: http://i.imgur.com/z0Ga0XY.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jennrod12 on February 22, 2016, 03:40:02 PM
No worries. I'm just pointing out if 10% of your Bs pay off early then the percentages across your other grades will change (just an example).

I don't see how the percentages can change, since it always says I have 200 loans in my portfolio.  Some are in "Fully paid" status.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Fred93 on February 22, 2016, 03:54:34 PM
I don't see how the percentages can change, since it always says I have 200 loans in my portfolio.  Some are in "Fully paid" status.

You shouldn't count the fully paid or charged off ones, as they aren't really "in" your portfolio any more.  They're like stocks you used to own, but don't own any more.  You wouldn't count those as in your portfolio.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on February 22, 2016, 04:31:52 PM
No worries. I'm just pointing out if 10% of your Bs pay off early then the percentages across your other grades will change (just an example).
I don't see how the percentages can change, since it always says I have 200 loans in my portfolio.  Some are in "Fully paid" status.
Well honestly I don't know if those percentages include "fully paid" but they don't include charged off ** per footnote. No big deal to either way as long as we are all fairly consistent.

(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2F743hANl.png&hash=b5cc9dac6ac2e85136a14e1f191964c3)
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2FY6WFQ2b.png&hash=d2b33435f3eb7f2dc5d575d0dc5360a0)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jennrod12 on February 22, 2016, 04:50:45 PM

You shouldn't count the fully paid or charged off ones, as they aren't really "in" your portfolio any more.  They're like stocks you used to own, but don't own any more.  You wouldn't count those as in your portfolio.

Okay, so what is the process - you look at your summary ("My Notes at-a-Glance") and manually subtract out "Fully Paid" and "Charged Off"?  Are the percentages in the Pie Chart automatically correct?  I'm pretty new at this so I haven't had any charged off notes yet, and only 3 fully paid.

Thanks,

Jenn
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on February 22, 2016, 05:05:13 PM
You shouldn't count the fully paid or charged off ones, as they aren't really "in" your portfolio any more.  They're like stocks you used to own, but don't own any more.  You wouldn't count those as in your portfolio.
Okay, so what is the process - you look at your summary ("My Notes at-a-Glance") and manually subtract out "Fully Paid" and "Charged Off"?  Are the percentages in the Pie Chart automatically correct?  I'm pretty new at this so I haven't had any charged off notes yet, and only 3 fully paid. Thanks, Jenn
Honestly I think we should just take the percentages directly from the pie chart to make it simple. From my previous post a little while ago it doesn't include charge offs.  I don't know about fully paid but I don't think anyone wants to calculate that as we are looking at higher level stats. Just my opinion. I'll plug in whatever number you folks provide.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Fred93 on February 22, 2016, 05:27:15 PM
Okay, so what is the process - you look at your summary ("My Notes at-a-Glance") and manually subtract out "Fully Paid" and "Charged Off"?

That's what I do.  I suspect others are not consistent.

Quote
Are the percentages in the Pie Chart automatically correct?

Yes.  They represent active loans.

Quote
I'm pretty new at this so I haven't had any charged off notes yet,

You have something to look forward to.  8)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: dompazz on February 22, 2016, 06:02:06 PM
Okay, so what is the process - you look at your summary ("My Notes at-a-Glance") and manually subtract out "Fully Paid" and "Charged Off"?

That's what I do.  I suspect others are not consistent.


Depends on what's the purpose of this thread.  Historic performance and current positioning or historic performance and historic positioning?
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Rob L on February 22, 2016, 06:19:56 PM
Depends on what's the purpose of this thread.

Well it seems to be of general interest to a very wide audience.
Personally I can't see anything particularly meaningful when you stir 36 and 60 month notes into the same pot.
They aren't easy to separate the out though. LC does the same on their "Analyzing Your Returns" graph so guess I'm the odd man out.
Title: What does your "Understanding Your Returns" page look like? Here's mine
Post by: rickhuizinga on February 22, 2016, 10:53:13 PM
Here's mine. I have not been selling notes on Folio*.
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fuploads.tapatalk-cdn.com%2F20160223%2F00c730848f7c358cfe83dbb7f8bb4887.jpg&hash=a2fe5ad080f1180d1699c8da3410df25)
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fuploads.tapatalk-cdn.com%2F20160223%2F5a2d2d012faaa5d5a53e1eac83181a45.jpg&hash=0e7789ea6a5a79b1295d093076db60b1)
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fuploads.tapatalk-cdn.com%2F20160223%2F58039ec4c04350ba2377b25843ff1992.jpg&hash=c2ab613d171fb809fc723077b8b440c1)
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fuploads.tapatalk-cdn.com%2F20160223%2F5c66ca2a9e7de9875fc0576fc3d22acf.jpg&hash=bb133cfa693946d74ad07396ff26b060)

Note: My account is tagged as having sold notes on Folio, but this was because LC purchased two notes back from me immediately after they were issued.  As a result, these two notes have not affected the performance on my account because no principal or interest payments were received on my account while owning these notes, and LC purchased them for the full note amount ($25).
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on February 23, 2016, 12:50:08 AM
Here's mine.
<snip> since it is in the post right above this one. Less clutter.
You are missing information and only providing 1 of 4 things. From the 2nd post in this thread.  Also are you selling on Folio? If so please point that out and provide the combined ANAR. Thx.

Image: http://i.imgur.com/8yp8Tuo.png
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2F8yp8Tuo.png&hash=ff80ffc1c9a071c669ac9003f7afeac7)
How YOU can provide the data to this thread details:
Purple box "Understanding Your Returns" (C,D,E,F) from
   https://www.lendingclub.com/account/lenderBenchmarkReturns.action#what-are-nar
Pink box "My Account # More Details" (G..M) from
   https://www.lendingclub.com/account/lenderAccountDetail.action
Green box "My Account # More Details" (N,O) from (click Term)
   https://www.lendingclub.com/account/lenderAccountDetail.action
Blue box "P2PQ % Calc" (P,Q,R)  from (or I can do this)
   http://lc.geekminute.com/Home/ANARCompare
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: rickhuizinga on February 23, 2016, 01:12:17 AM
You are missing information and only providing 1 of 4 things. From the 2nd post in this thread.  Also are you selling on Folio? If so please point that out and provide the combined ANAR. Thx.
Sorry, I was referring to the instructions in the thread's first post when posting the information. I've updated my original post to include the additional information.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on February 23, 2016, 11:48:58 AM
February (vs January) UPDATES:
Image: http://i.imgur.com/KZ9PILb.png
Image: http://i.imgur.com/t52ednJ.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jennrod12 on February 23, 2016, 03:14:23 PM
Amending my update from above:

Here is my update - my account is "buy and hold" and in the holding stage.  The # of loads is 197 and the break downs haven't changed.

ANAR:  9.71
WAIR: 13.48
WAAP: 4.0

P2PQ1 ANRC vs. all accounts:  86.36
vs. similar accounts: 44.42
vs similar age +WAIR: 43.10

No Folio

Thanks!

Jenn
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: michael49 on February 23, 2016, 08:48:30 PM
Here's mine (no Folio):

Adjusted Net Annualized Return:   9.34%
Weighted Average Interest Rate:   15.83%
Weighted Average Age of Portfolio: 8.4 mos
Number of Notes: 808
A(0.0%) B (4.6%) C(40.9%) D(33.3%) E(13.8%) F(6.4%) G(0.9%)
36(61.1%) 60(38.9%)

vs All Accounts: 83.40
vs Similar Age Accounts: 82.76
vs Similar Age and WAIR Accounts: 72.59

Quick question: Within my LC account I am running 5 different portfolios with different filters - Does LC provide any way to see the ANAR for a particular portfolio within an account?  I want some simple method to compare the performance of my portfolios/filters.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on February 24, 2016, 12:53:23 PM
Here's mine (no Folio):

Adjusted Net Annualized Return:   9.34%
Weighted Average Interest Rate:   15.83%
Weighted Average Age of Portfolio: 8.4 mos
Number of Notes: 808
A(0.0%) B (4.6%) C(40.9%) D(33.3%) E(13.8%) F(6.4%) G(0.9%)
36(61.1%) 60(38.9%)

vs All Accounts: 83.40
vs Similar Age Accounts: 82.76
vs Similar Age and WAIR Accounts: 72.59

Quick question: Within my LC account I am running 5 different portfolios with different filters - Does LC provide any way to see the ANAR for a particular portfolio within an account?  I want some simple method to compare the performance of my portfolios/filters.
Updated post above with new data.

I don't think LC gives you much in terms of portfolio breakdowns. 

PeerCube lets you see numbers at the portfolio level: https://www.peercube.com/portfolio/portfolio_by_attr/portfolio_name
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2FI383J82.png&hash=34c834e8f3b2926c87dac0ca28c06529)
(a) Yield estimates assume 1% service fees charged to lenders on all payments received. Please refer to FAQ for more information on Gross Effective Yield (GEY).

I also use InterestRadar to get some sense of how my portfolios are doing but only by avg rate, loss rate and age (seasoned?).

(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2FpXqJehQ.png&hash=2f0a7961fa9c0ea948110e6edbe7909b)(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2Fr46n2HJ.png&hash=3ca3da184204899d68e957b2bbcfad78)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: michael49 on February 24, 2016, 07:52:33 PM
....

I don't think LC gives you much in terms of portfolio breakdowns. 


Thanks, I didn't think so - I created several different portfolios with different filters and now I can't figure out a simple way to compare their performance!!
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: RaymondG on February 24, 2016, 10:52:37 PM
The simplest way is to estimate the return of a portfolio as Return = [avg Interest Rate] * (1 - Loss / [Interest received]), as long as the avg interest rate of the portfolio does not change materially.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: michael49 on February 26, 2016, 05:49:48 PM
The simplest way is to estimate the return of a portfolio as Return = [avg Interest Rate] * (1 - Loss / [Interest received]), as long as the avg interest rate of the portfolio does not change materially.

Thanks
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on February 28, 2016, 10:05:51 AM
End of the month Feb updates?
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: RaymondG on February 28, 2016, 06:47:15 PM
End of the month Feb updates?
Thank you for maintaining it. Here is EOM update:

A bunch of notes became In Grace Period since my last update on 2/22/2016 :(

Combined ANAR: 10.36
-- Adj. TTM (trailing twelve months) XIRR : 10.26%

Weighted Average Interest Rate:   17.53%
Weighted Average Age of Portfolio:   27.1 mos
Number of Notes:   2,610

A(0.2%) B (0.6%) C(11.4%) D(51.9%) E(30.5%) F(4.7%) G(0.7%)
Payments  36(13.8%) 60(86.2%)

vs All Accounts: 90.25
vs Similar Age Accounts: 97.64
vs Similar Age and WAIR Accounts: 92.92
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Fudgenut on February 29, 2016, 05:23:10 PM
2/29/2016

Fudgenut SEP IRA:
Adjusted Net Annualized Return3 ?:   11.44%
Weighted Average Interest Rate:   19.20%
Weighted Average Age of Portfolio:   19.4 mos
Number of Notes:   4,283

A(0.0%) B (0.0%) C(0.7%) D(54.7%) E(30.8%) F(11.2%) G(2.5%)
Payments  36(17.2%) 60(82.8%)

vs All Accounts:
94.71
vs Similar Age Accounts:
98.73
vs Similar Age and WAIR Accounts:
96.72

Fudgenut ROTH IRA:
Adjusted Net Annualized Return3 ?:   10.95%
Weighted Average Interest Rate:   19.30%
Weighted Average Age of Portfolio:   19.6 mos
Number of Notes:   3,480

A(0.0%) B (0.0%) C(0.9%) D(53.7%) E(30.8%) F(12.0%) G(2.6%)
Payments  36(16.5%) 60(83.5%)

vs All Accounts:
93.09
vs Similar Age Accounts:
97.73
vs Similar Age and WAIR Accounts:
91.48

Fudgenut Taxable:

Adjusted Net Annualized Return3 ?:   9.61%
Weighted Average Interest Rate:   18.89%
Weighted Average Age of Portfolio:   15.7 mos
Number of Notes:   2,065

A(0.0%) B (0.0%) C(0.3%) D(57.3%) E(31.3%) F(9.4%) G(1.7%)
Payments  36(17.0%) 60(83.0%)

vs All Accounts:
85.64
vs Similar Age Accounts:
92.94
vs Similar Age and WAIR Accounts:
78.60
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on February 29, 2016, 11:02:00 PM
Thank you for maintaining it.
You're welcome. Glad you appreciate it. One of my several fun hobbies.

February (vs January) UPDATES:
Image: http://i.imgur.com/lwm8CPj.png
Image: http://i.imgur.com/tzlpYMc.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jennrod12 on March 01, 2016, 09:39:22 AM
Here are mine from this morning, 3/1:

jennrod12:

Adjusted Net Annualized Return3 ?:   8.78%
Weighted Average Interest Rate:   13.48%
Weighted Average Age of Portfolio:   4.2 mos
Number of Notes:   196

A (2.6%) B (24.8%) C (42.3%)
D (21.4%) E (6.2%) F (2.6%) G (0.0%)

36 (99.5%) 60 (0.5%)

vs All Accounts: 76.27
vs Similar Age Accounts: 32.58
vs Similar Age and WAIR Accounts: 28.92

No Folio
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: chi_ra on March 05, 2016, 01:37:54 PM
I would like to add my numbers to this spreadsheet. Thanks!

No Folio

http://imgur.com/hv06Q0T (http://imgur.com/hv06Q0T)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on March 05, 2016, 02:23:11 PM
I would like to add my numbers to this spreadsheet. Thanks!
No Folio
http://imgur.com/hv06Q0T (http://imgur.com/hv06Q0T)
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.  Young (age) change a lot. Your acct is < 3 months age.

Also please also supply the text data as others have in addition to your picture (especially the first time pictures are needed). I don't want several ways to read the info.

Thanks much.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jheizer on March 05, 2016, 02:25:31 PM
FYI my server is down for maintenance today.  Should be back up tomorrow.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: chi_ra on March 05, 2016, 02:48:39 PM
I would like to add my numbers to this spreadsheet. Thanks!
No Folio
http://imgur.com/hv06Q0T (http://imgur.com/hv06Q0T)
Are you going to regularly update?

Yes I will try to update regularly. Do you want the data at the end of the month?

Adjusted Net Annualized Return3 ?:   10.44%
Weighted Average Interest Rate:   13.39%
Weighted Average Age of Portfolio:   2.3 mos
Number of Notes:   128

A (0.0%) B (29.8%) C (35.5%)
D (30.0%) E (4.8%) F (0.0%) G (0.0%)

36 (99.2%) 60 (0.8%)

Not sure how the following are calculated
vs All Accounts: ?
vs Similar Age Accounts: ?
vs Similar Age and WAIR Accounts: ?
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on March 05, 2016, 03:17:03 PM
FYI my server is down for maintenance today.  Should be back up tomorrow.
No worries. Thanks for that.

I would like to add my numbers to this spreadsheet. Thanks!
No Folio
http://imgur.com/hv06Q0T (http://imgur.com/hv06Q0T)
Are you going to regularly update?

Yes I will try to update regularly. Do you want the data at the end of the month?

Adjusted Net Annualized Return3 ?:   10.44%
Weighted Average Interest Rate:   13.39%
Weighted Average Age of Portfolio:   2.3 mos
Number of Notes:   128

A (0.0%) B (29.8%) C (35.5%)
D (30.0%) E (4.8%) F (0.0%) G (0.0%)

36 (99.2%) 60 (0.8%)

Not sure how the following are calculated
vs All Accounts: ?
vs Similar Age Accounts: ?
vs Similar Age and WAIR Accounts: ?
Thanks for understanding.

See this post (or the 2nd one in this entire thread) on where those numbers come from: http://www.lendacademy.com/forum/index.php?topic=3365.msg32602#msg32602

You could update monthly or quarterly.  The 2nd part of spreadsheet shows changes compared to the previous month. I'm sure many track there stuff elsewhere monthly too.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Lovinglifestyle on March 05, 2016, 06:06:55 PM
The lc.geekminute.com site for account comparisons is not working for me today ("Safari can't load) and I can't find where else to get that info.


Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Lovinglifestyle on March 05, 2016, 06:12:49 PM
Plus this.

Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on March 06, 2016, 10:09:10 AM
Thanks everyone.

March (vs February ) UPDATES:
Image: http://i.imgur.com/FFDAna3.png
Image: http://i.imgur.com/6IrrNHy.png
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2FFFDAna3.png&hash=daa1efb598480a2bf1c91b2bccd57f32)
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2F6IrrNHy.png&hash=466658b343168c1cf92fa4373e9a625f)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Edward Reid on March 06, 2016, 04:38:41 PM
Update.

Not long before my previous report (last August), I changed my selection criteria. In the notes invested in since then, I've had no late payments. Current 8 of my 237 notes are late or in default; the 8 are all in the 165 notes I acquired under my "old" criteria and none in the 89 notes under "new" criteria (which constitute about 70% of my P2P investment). Of course I don't expect perfect performance forever, and obviously these have a lower average age, but so far I'm happy with the results.

Adjusted Net Annualized Return:   10.63%
Weighted Average Interest Rate:   13.04%
Weighted Average Age of Portfolio:   7.5 mos
Number of Notes:   255

A(1.8%) B (7.3%) C(86.9%) D(4.0%) E(0.0%) F(0.0%) G(0.0%)
Payments  36(3.2%) 60(96.8%)

vs All Accounts:
    91.56
vs Similar Age Accounts:
    90.05
vs Similar Age and WAIR Accounts:
    93.90

Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on March 06, 2016, 08:19:59 PM
Thanks for the update. It is looking good.  I updated the previous post to include your data.

Update.

Not long before my previous report (last August), I changed my selection criteria. In the notes invested in since then, I've had no late payments. Current 8 of my 237 notes are late or in default; the 8 are all in the 165 notes I acquired under my "old" criteria and none in the 89 notes under "new" criteria (which constitute about 70% of my P2P investment). Of course I don't expect perfect performance forever, and obviously these have a lower average age, but so far I'm happy with the results.

Adjusted Net Annualized Return:   10.63%
Weighted Average Interest Rate:   13.04%
Weighted Average Age of Portfolio:   7.5 mos
Number of Notes:   255

A(1.8%) B (7.3%) C(86.9%) D(4.0%) E(0.0%) F(0.0%) G(0.0%)
Payments  36(3.2%) 60(96.8%)

vs All Accounts:
    91.56
vs Similar Age Accounts:
    90.05
vs Similar Age and WAIR Accounts:
    93.90
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: michael49 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
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott 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>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: balto21 on March 10, 2016, 03:43:38 PM
http://screencast.com/t/c4n1STpWbR Here is mine!

No Folio
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott 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.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: balto21 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,
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott 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>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: balto21 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!!!
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: aliengar0 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
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott 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.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Fred93 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%.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: balto21 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.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Quackhead 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.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on March 18, 2016, 08:23:04 AM
out of town. back sunday. will update then
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Fred93 on March 18, 2016, 03:45:07 PM
Did you overlook my update message?
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Fred93 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. 
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on March 19, 2016, 12:36:07 AM
Did you overlook my update message?
I
I did not overlook your update but because I am out of town I am on a small device without my normal interface. Will provide an update Sun night or Mon morning. HTH explain.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on March 21, 2016, 10:05:32 AM
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%.
RE: Yes, B and D come out the same to 3 decimal places; was not planned.
I just make sure they add up to 99.9 to 100.1% and question it if they don't.
RE: 5458 total, 4081 active.  I don't know which of these you prefer
They both have merit but I thought it was the easier it was for people the likely they'd provide updates. Used total.

March (vs February ) UPDATES:
Image: http://i.imgur.com/sL8EPot.png
Image: http://i.imgur.com/TrwtxAx.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: dompazz on March 21, 2016, 08:46:21 PM
8.58% ANAR (Combined)
10.57% WAIR
9.8 WAAP
776 Notes

30.1/32.3/23.6/9.6/4.4/0/0 -- A/B/C/D/E/F/G
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on March 21, 2016, 10:25:20 PM
8.58% ANAR (Combined)
10.57% WAIR
9.8 WAAP
776 Notes

30.1/32.3/23.6/9.6/4.4/0/0 -- A/B/C/D/E/F/G
Last 5 columns unchanged? Term and ANARCompare
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: dompazz on March 21, 2016, 10:59:23 PM
8.58% ANAR (Combined)
10.57% WAIR
9.8 WAAP
776 Notes

30.1/32.3/23.6/9.6/4.4/0/0 -- A/B/C/D/E/F/G
Last 5 columns unchanged? Term and ANARCompare
Term yes.  I haven't run the compare in a while.  Given that I am only in 36 month notes, the comparison is not really reflective.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on March 22, 2016, 10:44:21 AM
8.58% ANAR (Combined)
10.57% WAIR
9.8 WAAP
776 Notes

30.1/32.3/23.6/9.6/4.4/0/0 -- A/B/C/D/E/F/G
Last 5 columns unchanged? Term and ANARCompare
Term yes.  I haven't run the compare in a while.  Given that I am only in 36 month notes, the comparison is not really reflective.

March (vs February ) UPDATES:
Image: http://i.imgur.com/ksPzua0.png
Image: http://i.imgur.com/KM2zCBw.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: RaymondG on March 27, 2016, 11:50:59 PM
Business as usual, except reinvested money were mostly spent on notes from Folio.

Combined ANAR: 10.37
-- Adj. TTM (trailing twelve months) XIRR : 9.88%, decreased a lot due to 15% on 3/2015 was excluded in this TTM XIRR.

Weighted Average Interest Rate:   17.51%
Weighted Average Age of Portfolio:   27.9 mos
Number of Notes:   2,626

A(0.2%) B (0.6%) C(12.5%) D(51.1%) E(30.3%) F(4.6%) G(0.7%)
Payments  36(13.7%) 60(86.3%)

vs All Accounts: 90.38
vs Similar Age Accounts: 97.58
vs Similar Age and WAIR Accounts: 94.57
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on March 28, 2016, 10:13:44 AM
Business as usual, except reinvested money were mostly spent on notes from Folio.

Combined ANAR: 10.37
-- Adj. TTM (trailing twelve months) XIRR : 9.88%, decreased a lot due to 15% on 3/2015 was excluded in this TTM XIRR.

Weighted Average Interest Rate:   17.51%
Weighted Average Age of Portfolio:   27.9 mos
Number of Notes:   2,626

A(0.2%) B (0.6%) C(12.5%) D(51.1%) E(30.3%) F(4.6%) G(0.7%)
Payments  36(13.7%) 60(86.3%)

vs All Accounts: 90.38
vs Similar Age Accounts: 97.58
vs Similar Age and WAIR Accounts: 94.57
You have a good looking account.

March (vs February ) UPDATES:
Image: http://i.imgur.com/iHjicRs.png
Image: http://i.imgur.com/zb5QWwk.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: balto21 on March 30, 2016, 11:29:45 AM
Start of Q2 States
Uname: balto21

The P2P Quant showed me a page that could not be found. Is there any issue with the page?

Screenshots for verification:
http://screencast.com/t/LeQQdprGLgGl
http://screencast.com/t/zlFAlcLD
http://screencast.com/t/ao5fD84WBD
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on March 30, 2016, 12:32:09 PM
The P2P Quant showed me a page that could not be found. Is there any issue with the page?
Use this now: http://lc.geekminute.com/Home/ANARCompare
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: balto21 on March 31, 2016, 08:27:39 AM
Updated with LC Geek Numbers: http://screencast.com/t/CP1OkZebU

Proof:

1. http://screencast.com/t/CP1OkZebU

2. http://screencast.com/t/Pnxhz8RO0

3. http://screencast.com/t/oP9fUXzy1lr5

Is this format ok with how I am relaying the information to you?
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: balto21 on March 31, 2016, 08:36:28 AM
Also, what do you think is the most important column to your spreadsheet? P2PQ compared to similar age?
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Fred93 on March 31, 2016, 01:45:54 PM
Also, what do you think is the most important column to your spreadsheet? P2PQ compared to similar age?

WAIR (or equivalently the ABCD.. breakdown) as these give a clue to how much risk the lender is taking to get his return.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on March 31, 2016, 07:49:22 PM
Updated with LC Geek Numbers: http://screencast.com/t/CP1OkZebU
Proof:
1. http://screencast.com/t/CP1OkZebU
2. http://screencast.com/t/Pnxhz8RO0
3. http://screencast.com/t/oP9fUXzy1lr5
Is this format ok with how I am relaying the information to you?
That's great if it works for you. Your first image makes it simple. I'm fine with text as well after the first proof post.

Your account looks great.

March (vs February ) UPDATES:
Image: http://i.imgur.com/4CcDCRv.png
Image: http://i.imgur.com/VlHT8RM.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on March 31, 2016, 07:51:35 PM
Also, what do you think is the most important column to your spreadsheet? P2PQ compared to similar age?
WAIR (or equivalently the ABCD.. breakdown) as these give a clue to how much risk the lender is taking to get his return.
Indeed it is a matter of the risk level you want and if you are comfortable in the next cycle down.

I like 'WAIR minus ANAR spread' as an indication risk/return.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: storm on April 01, 2016, 01:03:59 AM
End of the 1st quarter update...

combined ANAR:  10.81%
Weighted Average Interest Rate:   15.20%
Weighted Average Age of Portfolio:   27.4 mos
Number of Notes:   5,432
WAIR - ANAR spread:  4.39%
A(0.0%) B (4.5%) C(38.1%) D(28.5%) E(23.7%) F(3.6%) G(1.5%)
36(14.6%) 60(85.4%)
vs All Accounts:  92.69%
vs Similar Age Accounts:  98.76%
vs Similar Age and WAIR Accounts:  99.30%
XIRR:  10.36%
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: dbailey75 on April 01, 2016, 08:30:19 AM
Update through March:
Adjusted Net Annualized Return:   7.01%
Weighted Average Interest Rate:   12.43%
Weighted Average Age of Portfolio:  30.0 mos
Number of Notes:905

Grade
A 11.9%
B 29.9%
C 34.0%
D 12.9%
E 9.0%
F 1.9%
G 0.4%

Term
36 37.9%
60 62.1%

vs All Accounts: 37.42
vs Similar Age Accounts: 45.47
vs Similar Age and WAIR Accounts: 49.16

Takes a while to move the ANAR, was approaching 8% and then wham, the late pays started hitting, but that's par for the course, I'm at the 3-7 month mark for most of my new loans, once I get past this wave, i'll add some new funds. I've also stared using Bluevestment bluepick to reinvest cash flow, just over a month in with this strategy, we'll see how it goes.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jennrod12 on April 01, 2016, 09:17:23 AM
Here is my update,

Per the ANAR comparison, I'm helping most everyone else look better!  ;)

Adjusted Net Annualized Return:   6.64%
Weighted Average Interest Rate:   13.48%
Weighted Average Age of Portfolio:  5.3 mos
Number of Notes:192

Grade
A 2.6%
B 25%
C 41.9%
D 21.3%
E 6.4%
F 2.7%
G 0%

Term
36 99.4%
60 0.6%

vs All Accounts: 27.04
vs Similar Age Accounts: 10.42
vs Similar Age and WAIR Accounts: 7.79
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jheizer on April 01, 2016, 09:25:04 AM
I'll join the quarter party
https://docs.google.com/spreadsheets/d/1vIWsPi5fb3YTo_H3aOnIppxyypQkBZW90HpBcLXLjVo/edit?usp=sharing
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on April 01, 2016, 11:36:20 AM
Thanks all. I put them in pretty fast. Let me know if something doesn't seem right.

March (vs February {or prevs qtr}) UPDATES:
Image: http://i.imgur.com/VfyrHBe.png
Image: http://i.imgur.com/nt4KXh0.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jz451 on April 01, 2016, 11:44:48 AM
This will be my first post showing my returns which happens to be my first month investing in LC. This is my trial run with LC so that's why only $1000 was invested. It's strictly Folio notes and I plan to update on the first of the month. Also how do I get the WAAoP if the notes are only from Folio?

ANAR: 23.63%
WAIR: 25.08%
WAAoP: N/A (all Folio notes)

# of Notes:  50
A(0%), B(0%), C(0%), D(0%), E(9.8%), F(30.3%), G(59.9%)
36(1.9%), 60 (98.1%)

vs All Accounts: 99.9%
vs Similar Age Accounts: N/A (all Folio notes)
vs Similar Age and WAIR Accounts: N/A (all Folio notes)

Proof:
Attached below
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Lovinglifestyle on April 01, 2016, 12:05:14 PM
Apr 1 2016 update.


Adjusted Net Annualized Return3 ?:   15.22%
Weighted Average Interest Rate:   17.95%
Weighted Average Age of Portfolio:   28.2 mos
Number of Notes:   6,283

Combined Return
Adjusted Net Annualized Return 8.77%

A(1.6%) B (11.1%) C(15.5%) D(14.0%) E(41.6%) F(12.5%) G(3.8%)

Payments  36(36.1%) 60(63.9%)

vs All Accounts:
74.92
vs Similar Age Accounts:
88.06
vs Similar Age and WAIR Accounts:
73.23

fwiw, I sold off half of my active notes this month and now have 60% of my account in cash. 

Traded: Combined Return
Adjusted Net Annualized Return 1.17% (up from -15.74% on Mar. 1, 2016)
4898 Traded Notes



Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: balto21 on April 01, 2016, 12:55:29 PM
Thoughts.

Any chance to sort the spreadsheet by WAAoP? For me, when I look at it, I would like to compare myself to people who have over 10 months WAAoP.

If not, and this is asking too much, no worries. I figured that if it was something that I found cool, maybe someone else would too.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Edward Reid on April 01, 2016, 01:47:02 PM
2016-04-01

Adjusted Net Annualized Return:    10.54%
Weighted Average Interest Rate:    13.09%
Weighted Average Age of Portfolio:    7.0 mos
Number of Notes:    279

Grade A (1.5%) B (6.1%) C (89.3%) D (3.2%) E (0.0%) F (0.0%) G (0.0%)
Term 36 (2.6%) 60 (97.4%)

vs All Accounts:
    90.72
vs Similar Age Accounts:
    84.69
vs Similar Age and WAIR Accounts:
    89.16
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Edward Reid on April 01, 2016, 02:11:50 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?

Does anyone know how the dots actually get there? The scatter plot is NOT an image sent from the LendingClub web server. It appears to be generated by JavaScript on the page. The combination of my knowledge of how complex JS works, and the fact that at least some of the JS is minified, making it very hard to read, results in my being unable to quickly determine what's going on. Plus some of the JS is not even in the main page but is loaded from an external file.

It takes a long time to generate the scatter plot -- many seconds on my computer. Even switching to that tab is slow. That was my first clue that it's not an image; examining the web page just verified it.

I can see that the JS might do one of two things.

1) It might call the server and ask for a lot of data, then plot it.

2) It might get statistical parameters from the server (which might be in one of those external JS files), and then plot random dots matching the statistical distribution.

I would consider either method to be valid. If they are using the second method, that would explain some of the outliers, especially when they appear to be impossible.

The first method might even be considered to be releasing too much data about individual accounts, even though it's anonymized.

Edward
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Rob L on April 01, 2016, 03:16:25 PM
Think LC uses Fusion Charts for its graphics. It is a very good package and widely used.
As for the data source of the dots I have no idea.
http://www.fusioncharts.com/dev/ (http://www.fusioncharts.com/dev/)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jheizer on April 01, 2016, 03:25:23 PM
Its your #1.  It is pulling just over 33k x,y coordinates and plotting them all.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on April 01, 2016, 05:48:32 PM
Thoughts. Any chance to sort the spreadsheet by WAAoP? For me, when I look at it, I would like to compare myself to people who have over 10 months WAAoP.
If not, and this is asking too much, no worries. I figured that if it was something that I found cool, maybe someone else would too.
Keep in mind that if people are regularly reinvesting their payments back into 0 month old notes that the age is kept down to 10 to 24 months. My 2 year old account is at 9.9 months but I did put more money in in Jan. The sorting was discussed up thread. I added a yellow line this time to demonstrate what it is showing. Generally risk level (grade perspective) higher to lower risk. WAAoP is color gradient so just look for folks with your same general color gradient and then look at ANAR.

Latest updates below for "end of quarter".

March (vs February {or prevs qtr}) UPDATES:
Image: http://i.imgur.com/DOgwBpz.png
Image: http://i.imgur.com/4dRk4eo.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on April 01, 2016, 05:52:31 PM
This will be my first post showing my returns which happens to be my first month investing in LC. This is my trial run with LC so that's why only $1000 was invested. It's strictly Folio notes and I plan to update on the first of the month. Also how do I get the WAAoP if the notes are only from Folio?
From some early up thread discussions I really only want to add more mature accounts as I need to drop people off that aren't keeping the numbers updated at least quarterly. Sinon use to blog but doesn't seem to be doing much with LC anymore as far as I can tell. Some have such unusually accounts they may be kept long. Come back if you stick with it for several months. 

Generally people are tracking there accounts seven ways to Sunday.

I don't know about WAAoP for folio only accounts. First I've seen it.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: chi_ra on April 02, 2016, 03:35:43 PM
End of quarter update
Adjusted Net Annualized Return:   12.9%
Weighted Average Interest Rate:   13.5%
Weighted Average Age of Portfolio:   3.1mos
Number of Notes:134

Grade
A 0%
B 29.8%
C 35.4%
D 30.0%
E 4.7%
F 0%
G 0%

Term
36 99.2%
60 0.8%

vs All Accounts: 97.65
vs Similar Age Accounts: 82.00
vs Similar Age and WAIR Accounts: 94.16

Edit: XIRR 8.53%
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Fred93 on April 02, 2016, 03:40:53 PM
Its your #1.  It is pulling just over 33k x,y coordinates and plotting them all.

Yes.  Do you know how to grab those numbers?  My html/css/javascript skills weren't quite up to figuring that out last time I looked at the web page.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jheizer on April 02, 2016, 03:54:26 PM
Easiest way to one time get the data:

1. Open Chrome.
2. Navigate to the plot page.
3. Right click on the page and click inspect.
4. Click on Network section
5. Click XHR
6. Refresh page
7. Click on the request and copy response.

(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fwww.lendacademy.com%2Fforum%2Findex.php%3Faction%3Ddlattach%3Btopic%3D3365.0%3Battach%3D1396&hash=d71915758ddafbe2f92b3742de06afd4)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Fred93 on April 02, 2016, 07:34:09 PM
Thank you.  I was able to do the same thing in firefox, once I read your message.  It seems that I haven't yet learned all the things that the developer features in modern browsers will let me do. 
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jheizer on April 02, 2016, 07:41:16 PM
The things they include now a days are beyond amazing.  Makes life so much easier.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Fudgenut on April 05, 2016, 07:50:56 PM
4/05/2016

Fudgenut SEP IRA:
Adjusted Net Annualized Return:   11.28%
Weighted Average Interest Rate:   19.09%
Weighted Average Age of Portfolio:   19.6 mos
Number of Notes:   4,469

A(0.0%) B (0.0%) C(4.4%) D(52.2%) E(30.2%) F(10.8%) G(2.4%)
Payments  36(20.3%) 60(79.7%)

vs All Accounts:
94.46
vs Similar Age Accounts:
98.90
vs Similar Age and WAIR Accounts:
96.20

Fudgenut ROTH IRA:
Adjusted Net Annualized Return3 ?:   10.94%
Weighted Average Interest Rate:   19.18%
Weighted Average Age of Portfolio:   19.8 mos
Number of Notes:   3,611

A(0.0%) B (0.0%) C(4.5%) D(51.4%) E(30.0%) F(11.6%) G(2.5%)
Payments  36(19.2%) 60(80.8%)

vs All Accounts:
93.46
vs Similar Age Accounts:
98.45
vs Similar Age and WAIR Accounts:
94.92

Fudgenut Taxable:

Adjusted Net Annualized Return3 ?:   9.74%
Weighted Average Interest Rate:   18.78%
Weighted Average Age of Portfolio:   16.1 mos
Number of Notes:   2,162

A(0.0%) B (0.0%) C(3.7%) D(55.0%) E(30.7%) F(9.1%) G(1.5%)
Payments  36(19.5%) 60(80.5%)

vs All Accounts:
86.72
vs Similar Age Accounts:
94.04
vs Similar Age and WAIR Accounts:
77.93
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on April 06, 2016, 02:41:42 AM
4/05/2016
Fudgenut SEP IRA:
Fudgenut ROTH IRA:
Fudgenut Taxable:

April (vs March) UPDATES:
Image: http://i.imgur.com/1lrtV3Z.png
Image: http://i.imgur.com/vvaBa7g.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: BruiserB on April 06, 2016, 11:38:52 AM
My Updates:

Measure         Standard Account                 IRA Account
ANAR             9.68                                      8.95
WAIR             18.48                                    19.69
WAAoP          21.8                                      16.7
#Notes           11,534                                  1,286
WAIR-ANAR   8.80                                      10.74
A                    2.4                                        0.0
B                    5.4                                        0.0
C                    9.8                                        10.2
D                    25.9                                      29.4
E                    31.7                                       27.0
F                     20.6                                       26.3
G                    3.9                                         4.2
36                  32.5                                        35.9
60                  67.5                                       64.1
Q                    86.13                                     79.28
R                    93.60                                     87.92
S                    82.54                                     67.07
                      No Folio                                  No Folio

2016 XIRR      7.77                                      0.68

I added my 2016 XIRR number....my own calculation of year to date yield, because I don't think the other numbers really show the whole picture of what's going on.  I have seen a real downturn in performance...particularly in my IRA.  The XIRR actually fluctuates a fair amount depending on whether notes in default have been charged off or not.  That is on the 14th and 29th of the month it will be higher, and then plummet on the 15th and 30th/31st when the notes actually charge off.

But all of our ANAR numbers are since the inception of our accounts....not a YTD number, so they will vary depending on how long we've each had accounts.  My standard account has been open since 2010 and my IRA since 2013, so both have several years of good performance.  So I'm not sure how valuable it is to compare ANARs.  It would be better to compare YTD XIRRs, but since each of us would have to individually calculate it there's a lot more room for error.

Anyway, I'm trying to figure out what's going on with my accounts.  I am adjusting my strategy to be a lot more conservative in my taxable account.  This is to hopefully have fewer capital losses that don't offset interest earned.  I do have other capital gains that I've been able to offset losses with, but those gains would have been taxed at lower rates.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on April 06, 2016, 11:28:45 PM
My Updates:

Measure         Standard Account                 IRA Account
ANAR             9.68                                      8.95
WAIR             18.48                                    19.69
WAAoP          21.8                                      16.7
#Notes           11,534                                  1,286
WAIR-ANAR   8.80                                      10.74
A                    2.4                                        0.0
B                    5.4                                        0.0
C                    9.8                                        10.2
D                    25.9                                      29.4
E                    31.7                                       27.0
F                     20.6                                       26.3
G                    3.9                                         4.2
36                  32.5                                        35.9
60                  67.5                                       64.1
Q                    86.13                                     79.28
R                    93.60                                     87.92
S                    82.54                                     67.07
                      No Folio                                  No Folio

2016 XIRR      7.77                                      0.68

I added my 2016 XIRR number....my own calculation of year to date yield, because I don't think the other numbers really show the whole picture of what's going on.  I have seen a real downturn in performance...particularly in my IRA.  The XIRR actually fluctuates a fair amount depending on whether notes in default have been charged off or not.  That is on the 14th and 29th of the month it will be higher, and then plummet on the 15th and 30th/31st when the notes actually charge off.

But all of our ANAR numbers are since the inception of our accounts....not a YTD number, so they will vary depending on how long we've each had accounts.  My standard account has been open since 2010 and my IRA since 2013, so both have several years of good performance.  So I'm not sure how valuable it is to compare ANARs.  It would be better to compare YTD XIRRs, but since each of us would have to individually calculate it there's a lot more room for error.

Anyway, I'm trying to figure out what's going on with my accounts.  I am adjusting my strategy to be a lot more conservative in my taxable account.  This is to hopefully have fewer capital losses that don't offset interest earned.  I do have other capital gains that I've been able to offset losses with, but those gains would have been taxed at lower rates.

Thanks for the additional details. My YTD XIRR is low but I invested quite a bit in Jan so I'm waiting to see how that pans out.

I started a new thread on YTD XIRR.
Title: Yearly and overall XIRR spreadsheet example provided
http://www.lendacademy.com/forum/index.php?topic=3742.msg33511#msg33511

April (vs March) UPDATES:
Image: http://i.imgur.com/9TaznO7.png
Image: http://i.imgur.com/CVlsVCg.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: dompazz on April 23, 2016, 11:05:28 AM
Monthly Update.
A few defaults as the slowdown of late 2015 continues to work through.  Buying more D/E in the last few days taking advantage of the higher rates, plus the fact that I have not seen an A loan I like since the 18th.

8.43% ANAR (Combined)
10.96% WAIR
10.1 WAAP
852 Notes

29.1/29.1/25.7/11.5/4.6/0/0 -- A/B/C/D/E/F/G
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on April 25, 2016, 06:34:36 PM
not ignoring you. just on vac this week
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: dompazz on April 26, 2016, 09:48:13 AM
not ignoring you. just on vac this week
Don't worry about it.  I'm married with kids.  I'm used to being ignored!
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: brloans on April 28, 2016, 12:44:29 PM
Hello, I would like to include my info on the table as well. Here it is:

Adjusted Net Annualized Return:   14.73%
Weighted Average Interest Rate:   20.18%
Weighted Average Age of Portfolio:   4.2 mos
Number of Notes:   680/(Active notes 624)

A   0.61%
B   1.08%
C   1.60%
D   30.32%
E   41.83%
F   19.99%
G   4.58%

Term 36 - 31.3%
Term 60 - 68.7%

vs All Accounts: 99.35
vs Similar Age Accounts: 96.04
vs Similar Age and WAIR Accounts:68.86
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: fliphusker on April 28, 2016, 04:15:49 PM
lascott, are you just looking for quarterly or monthly here?
As my account is so new, (1.3 months) and small (139 notes) would you even want it considered?

I do not see the following, is it due to the age of my account, or am I just not finding the right spot to find it?
vs All Accounts:
vs Similar Age Accounts:
vs Similar Age and WAIR Accounts:
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Lovinglifestyle on April 28, 2016, 07:51:46 PM
The link is posted here and there.  I saved it on my favorites bar so I could quit looking for it.  The old one quit working a while back.  Try this.

http://lc.geekminute.com/Home/ANARCompare

lascott, are you just looking for quarterly or monthly here?
As my account is so new, (1.3 months) and small (139 notes) would you even want it considered?

I do not see the following, is it due to the age of my account, or am I just not finding the right spot to find it?
vs All Accounts:
vs Similar Age Accounts:
vs Similar Age and WAIR Accounts:


Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: fliphusker on April 29, 2016, 07:31:49 PM
The link is posted here and there.  I saved it on my favorites bar so I could quit looking for it.  The old one quit working a while back.  Try this.

http://lc.geekminute.com/Home/ANARCompare

lascott, are you just looking for quarterly or monthly here?
As my account is so new, (1.3 months) and small (139 notes) would you even want it considered?

I do not see the following, is it due to the age of my account, or am I just not finding the right spot to find it?
vs All Accounts:
vs Similar Age Accounts:
vs Similar Age and WAIR Accounts:


Thank you, so very much to learn and learning how to properly read the returns. 
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: RaymondG on April 29, 2016, 10:06:56 PM
Monthly update.  Business is back to normal in past 3 months after extraordinary amount of charge-offs occurred in January. The major change in this account is 3/4 of the reinvested money were invested in notes picked from Folio in the past 4 months. So far so good.

Combined ANAR: 10.46
-- Adj. TTM (trailing twelve months) XIRR : 9.77% --  remaining low due to 15% in 3 and 4/2015 were moving out of the trailing-twelve-month period.

Weighted Average Interest Rate:   17.46%
Weighted Average Age of Portfolio:   28.4 mos
Number of Notes:   2,546

A(0.2%) B (0.4%) C(13.2%) D(50.0%) E(31.2%) F(4.4%) G(0.7%)
Payments  36(14.0%) 60(86.0%)

vs All Accounts: 90.14
vs Similar Age Accounts: 98.22
vs Similar Age and WAIR Accounts: 95.35
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jennrod12 on May 01, 2016, 10:09:48 AM
Monthly update - I had my first charge-off! A straight roller. (I started my account last September)

Adjusted Net Annualized Return:   7.12%
Weighted Average Interest Rate:   13.48%
Weighted Average Age of Portfolio:   6.3 mos
Number of Notes:   200
Number of notes after subtracting charge-offs and fully paid: 189

A (2.7%) B (25.1%) C(41.5%) D(21.5%) E(6.5%) F(2.7%) G(0.0%)
Payments  36(99.4%) 60(0.6%)

vs All Accounts: 43.51
vs Similar Age Accounts: 23.41
vs Similar Age and WAIR Accounts: 19.21

Thanks for tracking this!

Jenn
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: RaymondG on May 01, 2016, 01:14:27 PM
Monthly update - I had my first charge-off! A straight roller. (I started my account last September)

Adjusted Net Annualized Return:   7.12%
Weighted Average Interest Rate:   13.48%
Weighted Average Age of Portfolio:   6.3 mos
Number of Notes:   200
Number of notes after subtracting charge-offs and fully paid: 189

Are there many late notes in your portfolio? Be curious about that ANAR is 7.12% out of WAIR 13.48%, and only had first charge-off. Maybe there is not enough interest collected so far in the young account hence the impact of the first charge-off looks so material.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on May 01, 2016, 01:52:22 PM
lascott, are you just looking for quarterly or monthly here?
As my account is so new, (1.3 months) and small (139 notes) would you even want it considered?

I do not see the following, is it due to the age of my account, or am I just not finding the right spot to find it?
vs All Accounts:
vs Similar Age Accounts:
vs Similar Age and WAIR Accounts:

Hello, I would like to include my info on the table as well. Here it is:

Adjusted Net Annualized Return:   14.73%
Weighted Average Interest Rate:   20.18%
Weighted Average Age of Portfolio:   4.2 mos
Number of Notes:   680/(Active notes 624)

A   0.61%
B   1.08%
C   1.60%
D   30.32%
E   41.83%
F   19.99%
G   4.58%

Term 36 - 31.3%
Term 60 - 68.7%

vs All Accounts: 99.35
vs Similar Age Accounts: 96.04
vs Similar Age and WAIR Accounts:68.86
From some early up thread discussions I really only want to add more mature accounts as I need to drop people off that aren't keeping the numbers updated at least quarterly.
Also I'd like to see at least a commitment to get quarterly updates. Non-updated accounts, and especially, young ones are not really accurate / representative.
Simon use to blog but doesn't seem to be doing much with LC anymore as far as I can tell. Some have such unusually accounts they may be kept long.
Come back if you stick with it for several months.  Your WAAPs are only 1.3 and  4.2 mos so your accounts are young.
Hope that makes some sense. No offense intended at all.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on May 01, 2016, 02:05:31 PM
You're welcome and thank as well. I'm just catching up with several things after getting home late last night...

April (vs March) UPDATES:
Image: http://i.imgur.com/k06JwRb.png
Image: http://i.imgur.com/vDGLVro.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: michael49 on May 01, 2016, 07:02:20 PM
Here's mine, sorry its been a while.....

Adjusted Net Annualized Return:   9.23%
Weighted Average Interest Rate:   16.47%
Weighted Average Age of Portfolio:7.5 mos
Number of Notes:  1,084
vs All Accounts: 43.51
vs Similar Age Accounts: 23.41
vs Similar Age and WAIR Accounts: 19.21

A(0.0%) B (4.5%) C(34.0%) D(34.1%) E(18.4%) F(7.8%) G(1.1%)

Payments  36(55.0%) 60(45.0%)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jennrod12 on May 01, 2016, 09:20:20 PM
Monthly update - I had my first charge-off! A straight roller. (I started my account last September)

Adjusted Net Annualized Return:   7.12%
Weighted Average Interest Rate:   13.48%
Weighted Average Age of Portfolio:   6.3 mos
Number of Notes:   200
Number of notes after subtracting charge-offs and fully paid: 189

Are there many late notes in your portfolio? Be curious about that ANAR is 7.12% out of WAIR 13.48%, and only had first charge-off. Maybe there is not enough interest collected so far in the young account hence the impact of the first charge-off looks so material.

Right now I have 4 IGPs and 10 lates (3/7).  My ANAR always seems to be at a low point right at the beginning of the month, it has at times been in the 8% range.

One thing I do notice about a young account - notes get discounted against future value when they are in any kind of late status, but notes that are current don't get their future value taken into consideration, that I can see.  Because the ANAR goes up as payments come in.

This account is an experimental account where I picked up 200 loans and am not reinvesting, just to see how it turns out at the end.  It's also the first account I had (I now also have an IRA account) and I'm still learning and adjusting my selection criteria.  Hopefully it's dialed in now, I'll know more in a few more months, but that won't help this account.

Jenn
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on May 02, 2016, 10:55:07 PM
Here's mine, sorry its been a while.....

Adjusted Net Annualized Return:   9.23%
Weighted Average Interest Rate:   16.47%
Weighted Average Age of Portfolio:7.5 mos
Number of Notes:  1,084
vs All Accounts: 43.51
vs Similar Age Accounts: 23.41
vs Similar Age and WAIR Accounts: 19.21

A(0.0%) B (4.5%) C(34.0%) D(34.1%) E(18.4%) F(7.8%) G(1.1%)

Payments  36(55.0%) 60(45.0%)
No worries. Thanks for posting.

April (vs March) UPDATES:
Image: http://i.imgur.com/56xgp8N.png
Image: http://i.imgur.com/r5clC8B.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Edward Reid on May 03, 2016, 03:33:06 PM
Monthly update:

Adjusted Net Annualized Return:    10.02%
Weighted Average Interest Rate:    13.10%
Weighted Average Age of Portfolio:    7.9 mos
Number of Notes:    283

Grade
A (1.4%) B (5.9%) C (89.5%)
D (3.1%) E (0.0%) F (0.0%) G (0.0%)

Term
Payments  36 (2.5%) 60 (97.5%)

Your Portfolio
vs All Accounts:
    89.30
vs Similar Age Accounts:
    87.78
vs Similar Age and WAIR Accounts:
    90.98
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: chi_ra on May 03, 2016, 10:06:37 PM
May update

Adjusted Net Annualized Return:   11.63%
Weighted Average Interest Rate:   13.55%
Weighted Average Age of Portfolio:   3.9mos
Number of Notes:140

Grade
A 0%
B 30.3%
C 34.3%
D 30.0%
E 5.4%
F 0%
G 0%

Term
36 99.2%
60 0.8%

vs All Accounts: 95.75
vs Similar Age Accounts: 75.54
vs Similar Age and WAIR Accounts: 84.83

XIRR 7.84%
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: FILTER on May 04, 2016, 03:19:28 AM
Lascott,
      Below is update, sorry for delay:

NAR: 14.00%
ANAR Return:   10.66%
WAIR Rate:   15.69%
Weighted Average Age of Portfolio: 6.0 mos
Number of Notes:  12,275
vs All Accounts: 92.42
vs Similar Age Accounts: 79.76
vs Similar Age and WAIR Accounts: 69.36


A(0.2%) B (12.8%) C(37.4%) D(27.3%) E(15.2%) F(5.9%) G(1.2%)

Payments  36 (60%) 60 (40.0%)

Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on May 04, 2016, 11:30:41 AM
Thanks everyone. I'm cutting off April updates now.

April (vs March) UPDATES:
Image: http://i.imgur.com/zD25HE4.png
Image: http://i.imgur.com/FrT93Vq.png
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2FzD25HE4.png&hash=141d37755f4d29bb133c2462c6b06abb)
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2FFrT93Vq.png&hash=b4476099f04404a84bc19da706d61b15)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: RaymondG on May 04, 2016, 09:31:19 PM
@lascott, the ANAR and "vs Similar Age and WAIR accounts" were not input correctly for FILTER's.

NAR: 14.00%
ANAR Return:   10.66%

vs Similar Age and WAIR Accounts: 69.36
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: FILTER on May 04, 2016, 09:46:01 PM
RaymondG,   
    Good call, I was contemplating to question that. I'm still hoping on a wing and prayer that my ANAR is 14.00%
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on May 04, 2016, 09:46:17 PM
@lascott, the ANAR and "vs Similar Age and WAIR accounts" were not input correctly for FILTER's.

NAR: 14.00%
ANAR Return:   10.66%
vs Similar Age and WAIR Accounts: 69.36
Oh heck. Thanks for that. I'll correct in a few minutes.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: RaymondG on May 04, 2016, 10:05:19 PM
RaymondG,   
    Good call, I was contemplating to question that. I'm still hoping on a wing and prayer that my ANAR is 14.00%
I really like the number 14% at the first glance.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: FILTER on May 04, 2016, 10:09:14 PM
RaymondG,   
    Good call, I was contemplating to question that. I'm still hoping on a wing and prayer that my ANAR is 14.00%
I really like the number 14% at the first glance.

I like 14%+ also. Any tips? Any suggestions?
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on May 05, 2016, 12:05:17 AM
RaymondG,   
    Good call, I was contemplating to question that. I'm still hoping on a wing and prayer that my ANAR is 14.00%
I really like the number 14% at the first glance.
I like 14%+ also. Any tips? Any suggestions?
That is unrealistic. You are missing the point of the table if you think it is.  Look at people with the "seasoned" (12+ months) portfolios.  As well look at the Understanding Your Returns chart!
Image: http://i.imgur.com/CIbXa6d.png
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2FCIbXa6d.png&hash=c320f57660cb4d5b198b914be3891053)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: FILTER on May 05, 2016, 01:49:03 AM
RaymondG,   
    Good call, I was contemplating to question that. I'm still hoping on a wing and prayer that my ANAR is 14.00%
I really like the number 14% at the first glance.
I like 14%+ also. Any tips? Any suggestions?
That is unrealistic. You are missing the point of the table if you think it is.  Look at people with the "seasoned" (12+ months) portfolios.  As well look at the Understanding Your Returns chart!
Image: http://i.imgur.com/CIbXa6d.png
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2FCIbXa6d.png&hash=c320f57660cb4d5b198b914be3891053)
Interesting. There are a few investors with 12+ month portfolio not far below the 14% return.  I was hoping for some secret sauce. For example but not all inclusive: no CA, FL, Manhattan notes, no DTI above XX percent, X years employment, no notes above X percent interest, no late payments in X months, Minimum monthly income, # of credit inquiries, age of borrower, Job occupation etc.
Thanks for the chart!
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: fliphusker on May 05, 2016, 12:13:07 PM
I thought the same thing when I came here.  No secret sauces here.  :P
What I did simply was to do a lot of reading on here and many other sites.  Kept seeing some of the same things popping up everywhere for a starting point, then it was just a few hours grinding through the backtesting. 
I am a small fry compared to most here and hand pick my notes.  So I can be quite picky.  Is my strategy good?  1.5 months in, so statistically irrelevant anyway.  A big disclaimer though, I am probably the least knowledgeable person here too.  They use phrases that I have no clue, and off to wiki or Google I go to learn what they mean.  :P  Skipping classes in high school to go to the racetrack, in hindsight, was not a great idea.  hehe.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jz451 on May 05, 2016, 12:35:19 PM
I thought the same thing when I came here.  No secret sauces here.  :P
What I did simply was to do a lot of reading on here and many other sites.  Kept seeing some of the same things popping up everywhere for a starting point, then it was just a few hours grinding through the backtesting. 
I am a small fry compared to most here and hand pick my notes.  So I can be quite picky.  Is my strategy good?  1.5 months in, so statistically irrelevant anyway.  A big disclaimer though, I am probably the least knowledgeable person here too.  They use phrases that I have no clue, and off to wiki or Google I go to learn what they mean.  :P  Skipping classes in high school to go to the racetrack, in hindsight, was not a great idea.  hehe.

I am in the same boat as you. I only started 2 months ago with a $1k deposit for 50 loans from Folio to test my strategy. After backtesting I went the ulta risky way to see if my assumptions are right. I'm mostly holding F-G, with 5 E notes. So far so good with a 25.76% ANAR, which is statistically insignificant for now.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: AnilG on May 05, 2016, 12:37:58 PM
There are no secret sauces. A lot of lenders get hung-up on little differences in returns during backtesting. The portfolio returns are a distribution and not a single number. Even with same strategy, different investors may have widely different returns. Last year I simulated 100,000 sample portfolios with the same loan selection criteria, the portfolio returns varied from 6 to 12%. While the probability is low that you may land up on either edge of the return distribution curve, you still have a chance (lucky/unlucky) to be at the edge.

Interesting. There are a few investors with 12+ month portfolio not far below the 14% return.  I was hoping for some secret sauce. For example but not all inclusive: no CA, FL, Manhattan notes, no DTI above XX percent, X years employment, no notes above X percent interest, no late payments in X months, Minimum monthly income, # of credit inquiries, age of borrower, Job occupation etc.
Thanks for the chart!
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Rob L on May 05, 2016, 06:42:33 PM
There are no secret sauces.

Harkens back to the "What's This Best Note Selection Business Anyway" thread of a couple of years ago.
http://www.lendacademy.com/forum/index.php?topic=1953.msg16311#msg16311 (http://www.lendacademy.com/forum/index.php?topic=1953.msg16311#msg16311)

I've come to believe that perhaps there are some secret sauces; but they are mostly mild, not hot.
Mild should keep you above 50% of other portfolios; perhaps a bit more. Worse things could happen.
Certainly not 12%+ at 12 months with a diversified portfolio (maybe if your notes are all 60 month; I dunno, not my thang).

On the other hand I look at CircleT009's performance and to my thinking it has been astounding beyond belief.
If there were one person I'd ask for the secret sauce recipe it would be him. Terrific returns, low risk. No one else is even close.
They're so good I hardly think it possible. So good even I'd even doubt their reality, but I credit him with honesty and do not doubt.
What does he know that NO one else does?
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on May 05, 2016, 07:15:01 PM
There are no secret sauces.

Harkens back to the "What's This Best Note Selection Business Anyway" thread of a couple of years ago.
http://www.lendacademy.com/forum/index.php?topic=1953.msg16311#msg16311 (http://www.lendacademy.com/forum/index.php?topic=1953.msg16311#msg16311)

I've come to believe that perhaps there are some secret sauces; but they are mostly mild, not hot.
Mild should keep you above 50% of other portfolios; perhaps a bit more. Worse things could happen.
Certainly not 12%+ at 12 months with a diversified portfolio (maybe if your notes are all 60 month; I dunno, not my thang).

On the other hand I look at CircleT009's performance and to my thinking it has been astounding beyond belief.
If there were one person I'd ask for the secret sauce recipe it would be him. Terrific returns, low risk. No one else is even close.
They're so good I hardly think it possible. So good even I'd even doubt their reality, but I credit him with honesty and do not doubt.
What does he know that NO one else does?
Hand picks notes and a lot of selling. I'm not trying to work that hard for returns. I just am just replacing bond parts of my portfolio as I've started threads about before.

From another thread (clickable Quote/date links below):
Hey CircleT, how is your return and weighted average interest so close? I'd be curious what your primary/traded/combined NARs are.  And that's impressive to do that for such a large account.

Lots of work.  I spend more time selling on Folio than I do buying new loans.  Below are some screen shots from this morning.

My XIRR as of this morning is 9.04%, so you can see that is a 0.51% drop since last July.

The below use the LC 9 month loss rates based on status.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Rob L on May 05, 2016, 08:58:39 PM
Hey CircleT, how is your return and weighted average interest so close? I'd be curious what your primary/traded/combined NARs are.  And that's impressive to do that for such a large account.
Lots of work.  I spend more time selling on Folio than I do buying new loans.  Below are some screen shots from this morning.
My XIRR as of this morning is 9.04%, so you can see that is a 0.51% drop since last July.

Thanks, I had missed that. Selling on Folio invalidates the NAR comparisons of this thread.
With such a large portfolio I had not imagined large scale Folio selling was in play. Not to say the gains are not impressive, just less mysterious.
Like I said; it was almost so good as to be beyond belief.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: fliphusker on May 05, 2016, 09:33:43 PM
Hey CircleT, how is your return and weighted average interest so close? I'd be curious what your primary/traded/combined NARs are.  And that's impressive to do that for such a large account.
Lots of work.  I spend more time selling on Folio than I do buying new loans.  Below are some screen shots from this morning.
My XIRR as of this morning is 9.04%, so you can see that is a 0.51% drop since last July.

Thanks, I had missed that. Selling on Folio invalidates the NAR comparisons of this thread.
With such a large portfolio I had not imagined large scale Folio selling was in play. Not to say the gains are not impressive, just less mysterious.
Like I said; it was almost so good as to be beyond belief.
Which is more impressive though, 32k of notes or the returns?  :P  When you say about large scale folio selling, that is where I get completely lost.  Still trying to dump notes that LR picked due to poor filtering setup on my part.  Figured a 1% markup and they would sell, and not looking to take a loss on notes, just because they do not meet my filters.  3 of 70 have sold. 
While I would agree what works for one might not work for another because they end up buying into different loans.  Sure there are going to be people running same strategy, some will have higher and others lower.  Also along those lines though, it would be quite improbably if the same 2 had the same strat, and one ended up with just tons of default loans, all things being equal. 
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: FILTER on May 05, 2016, 10:18:30 PM
Fliphusker – Your right there really isn’t any secret sauce to picking notes. Sounds like you are doing your sound homework with regards to selecting quality notes. To me if it looks like a dud, then stay away from it!

Jz451 – Your high risk strategy of holding 50 loans of F-G, with a couple of E notes is very interesting.  Honestly, I have contemplated something similar to this but, investing in somewhat low loan amounts: below $5000.  I would definitely like to know your results over the next few months.

AnilG – Your right no secret sauce. Yes, as shown in the “Understanding Your Returns” chart, there are somewhat broad investment strategies and their all making money. Your statement “Last year I simulated 100,000 sample portfolios with the same loan selection criteria, the portfolio returns varied from 6 to 12%.”  I don’t understand given the same note criteria and selection, that the return varied so much between 6 - 12%.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: FILTER on May 05, 2016, 10:36:12 PM
Worse things could happen.
Certainly not 12%+ at 12 months with a diversified portfolio (maybe if your notes are all 60 month; I dunno, not my thang).

On the other hand I look at CircleT009's performance and to my thinking it has been astounding beyond belief.
If there were one person I'd ask for the secret sauce recipe it would be him. Terrific returns, low risk. No one else is even close.
They're so good I hardly think it possible. So good even I'd even doubt their reality, but I credit him with honesty and do not doubt.
What does he know that NO one else does?

Thanks for the link: CircleT009’s performance is great.  But, if I read and understand correctly, he uses Folio selling quite heavily by selling discounted notes early in the “In Grace Period” and/or “16-30 days late”.  Mild sauce is a smart approach.  I don’t swing for the fences either.  Currently, I’m on track to have more than $3K in “Charged Off”/Default” notes for the year.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: RaymondG on May 05, 2016, 10:47:35 PM
AnilG – Your right no secret sauce. Yes, as shown in the “Understanding Your Returns” chart, there are somewhat broad investment strategies and their all making money. Your statement “Last year I simulated 100,000 sample portfolios with the same loan selection criteria, the portfolio returns varied from 6 to 12%.”  I don’t understand given the same note criteria and selection, that the return varied so much between 6 - 12%.

May use bootstrap method to resample the loan population in order to estimate the expected return with the filter being applied.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: FILTER on May 05, 2016, 10:48:11 PM
Which is more impressive though, 32k of notes or the returns?  :P  When you say about large scale folio selling, that is where I get completely lost.  Still trying to dump notes that LR picked due to poor filtering setup on my part.  Figured a 1% markup and they would sell, and not looking to take a loss on notes, just because they do not meet my filters.  3 of 70 have sold. 
While I would agree what works for one might not work for another because they end up buying into different loans.  Sure there are going to be people running same strategy, some will have higher and others lower.  Also along those lines though, it would be quite improbably if the same 2 had the same strat, and one ended up with just tons of default loans, all things being equal.
[/quote]

Both are impressive. CircleT009 may know how to use large scale folio selling by using algorithmic programs, selling early with discounted notes in "In Grace" or "15-30 days late".  I hope your able to resolve those notes that LR picked up that you didn't want. To me, my perception, if a note's data looks like a shipwreck, don't buy it.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: FILTER on May 05, 2016, 11:14:11 PM
AnilG – Your right no secret sauce. Yes, as shown in the “Understanding Your Returns” chart, there are somewhat broad investment strategies and their all making money. Your statement “Last year I simulated 100,000 sample portfolios with the same loan selection criteria, the portfolio returns varied from 6 to 12%.”  I don’t understand given the same note criteria and selection, that the return varied so much between 6 - 12%.

May use bootstrap method to resample the loan population in order to estimate the expected return with the filter being applied.

Bootstrap method- its been a while since I've(Electronics background) heard that term. OK got it.
If I understand correctly, this process of sampling is repeated in large number of times(Typically 1,000 to 10,000 times), and for each of these samples to compute it mean/results.  As stated before, many investors have different approaches to their investment criteria. The Bootstrap Method does not clarify/specify to the individual investor what the best possible filtering criteria is for maximum returns and/or with minimum defaults; - hence the optimum mild sauce.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jz451 on May 06, 2016, 12:47:32 AM


Jz451 – Your high risk strategy of holding 50 loans of F-G, with a couple of E notes is very interesting.  Honestly, I have contemplated something similar to this but, investing in somewhat low loan amounts: below $5000.  I would definitely like to know your results over the next few months.



For sure, and I finally got my Account Value over $1000 today due to both accrued interest and premiums deducted when using Folio in the beginning.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: ThinleyWangchuk on May 09, 2016, 01:06:59 PM
Hi Guys,
I've been a lender for close to half a decade on both the Prosper and the LC platform (attached is a SS of one of my LC accounts to give me some sort of credibility).  The Lend Academy community was a great tool when I first started off... Just thought I would share my insights and give back in a small way. 

About a year and a half ago I noticed the loan quality start reflecting what I believe to be junk and extremely high risk (my friends in high finance also agreed).  About a month ago I noticed a few loans were starting to meet my underwriting standards (earn a decent rate net of losses).  However, this past week, loan quality has dipped in what I consider "Junk."  My $.02, be careful before going all in when investing in notes, the reason being I do not think the historical returns will be as good as future returns. 

Also an important thing to keep in mind is that when investing in the notes, you are "competing" against others for the best notes.  Thus I think it is important to keep in mind you are competing against investors who spend most of their day trying to generate alpha.  Sorry to be a bit crude, but I hope you guys find this valuable...
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: FILTER on May 09, 2016, 09:40:54 PM


Jz451 – Your high risk strategy of holding 50 loans of F-G, with a couple of E notes is very interesting.  Honestly, I have contemplated something similar to this but, investing in somewhat low loan amounts: below $5000.  I would definitely like to know your results over the next few months.



For sure, and I finally got my Account Value over $1000 today due to both accrued interest and premiums deducted when using Folio in the beginning.

Excellent, interested in your defaults(if any) and the return as your account ages.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on May 09, 2016, 10:03:11 PM
Hi Guys,
I've been a lender for close to half a decade on both the Prosper and the LC platform (attached is a SS of one of my LC accounts to give me some sort of credibility).  The Lend Academy community was a great tool when I first started off... Just thought I would share my insights and give back in a small way. 

About a year and a half ago I noticed the loan quality start reflecting what I believe to be junk and extremely high risk (my friends in high finance also agreed).  About a month ago I noticed a few loans were starting to meet my underwriting standards (earn a decent rate net of losses).  However, this past week, loan quality has dipped in what I consider "Junk."  My $.02, be careful before going all in when investing in notes, the reason being I do not think the historical returns will be as good as future returns. 

Also an important thing to keep in mind is that when investing in the notes, you are "competing" against others for the best notes.  Thus I think it is important to keep in mind you are competing against investors who spend most of their day trying to generate alpha.  Sorry to be a bit crude, but I hope you guys find this valuable...

Re: "decent rate net losses" -- Seriously? You expected those results and easy pickings to just go on forever.  Com'on! 

Image: http://i.imgur.com/o6L9ujP.png
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2Fo6L9ujP.png&hash=74c9991a156267a7a102f406dcac15f6)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: FILTER on May 09, 2016, 10:14:29 PM
Hi Guys,
I've been a lender for close to half a decade on both the Prosper and the LC platform (attached is a SS of one of my LC accounts to give me some sort of credibility).  The Lend Academy community was a great tool when I first started off... Just thought I would share my insights and give back in a small way. 

About a year and a half ago I noticed the loan quality start reflecting what I believe to be junk and extremely high risk (my friends in high finance also agreed).  About a month ago I noticed a few loans were starting to meet my underwriting standards (earn a decent rate net of losses).  However, this past week, loan quality has dipped in what I consider "Junk."  My $.02, be careful before going all in when investing in notes, the reason being I do not think the historical returns will be as good as future returns. 

Also an important thing to keep in mind is that when investing in the notes, you are "competing" against others for the best notes.  Thus I think it is important to keep in mind you are competing against investors who spend most of their day trying to generate alpha.  Sorry to be a bit crude, but I hope you guys find this valuable...

Given your WAIR is 27.3 months, your Adjusted Net Annualized Return is Excellent – nice job!  I could not find any reason to disagree with your notice of low quality notes. Sometimes the quantity and quality of note drops are anemic and sometimes many notes are several days old before posting. As I’ve stated before, it could be intentional that LC(the guy at the throttle) either capitulate to big money, balance spreadsheets, focus associates efforts elsewhere, or to foster/encourage the funding of older notes.  For example, on 7, 8 & 9 MAR 2016, there were ZERO retail note drops for the scheduled note drop times. Then approximately, two weeks ago, there were hundreds of note drops each scheduled time.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: ThinleyWangchuk on May 09, 2016, 10:24:10 PM
@lascott A net return of 12% is nothing amazing.  In fact I think a net return below 14-15% is disappointing... Don't forget, we are investing in unsecured "high risk" debt.

@FILTER I couldn't agree with you more on this statement: " As I’ve stated before, it could be intentional that LC(the guy at the throttle) either capitulate to big money, balance spreadsheets, focus associates efforts elsewhere, or to foster/encourage the funding of older notes."
I've talked to two other former investors on the platform (both in the asset management industry) and their feeling was that LC was squeezing the little guys.  In fact, don't quote me, but I read somewhere (I think the form 10K) that most of the notes are sold to institutions.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: ThinleyWangchuk on May 11, 2016, 11:53:27 AM
An article in today's WSJ shows the breakdown of "deal volume by investor source."  Over 50% of funds came from institutions in the latest quarter.

http://topics.wsj.com/documents/print/WSJ_-C001-20160511.pdf
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: FILTER on May 11, 2016, 07:39:45 PM
An article in today's WSJ shows the breakdown of "deal volume by investor source."  Over 50% of funds came from institutions in the latest quarter.

http://topics.wsj.com/documents/print/WSJ_-C001-20160511.pdf

Lending Club CEO Fired Over Faulty Loans + three other senior managers were terminated or resigned.

WHY? Greed

1.“A violation of the company’s business practices along with a lack of full disclosure”
2. Executive’s lack of disclosure surrounding a personal investment
3. Company knew the loans didn’t meet the investor’s criteria and that the application date on $3 million of those loans had been altered to make them comply
4. LendingClub also said it found that Mr. Laplanche failed to fully disclose a personal interest he held in an outside fund while the company was contemplating an investment in the same fund.

As I have stated before, I offered that the management was capitulating to big money, or personal gain, neglecting the retail investor by dropping anemic and lower quality loans.

Thanks, gratitude, and appreciation to the SEC and Analysts Oversight to identify deception and wrongdoing.

Nonetheless, if managed Felicitously, LendingCLub can be a valuable, viable, and reliable investment vehicle for investors.

For God sake, Business Mangers - DO THE RIGHT THING!!!

LINK:
http://www.wsj.com/articles/lendingclub-ceo-resigns-over-sales-review-1462795070


Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on May 11, 2016, 07:53:26 PM
Above better in this thread: http://www.lendacademy.com/forum/index.php?topic=3810.90;topicseen

This threads topic ---> What does your "Understanding Your Returns" page look like? Here's mine
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jrr6415sun on May 22, 2016, 02:42:07 AM
not sure if i'm doing this right but this is my account:


Adjusted Net Annualized Return:   16.09%
Weighted Average Interest Rate:   21.07%
Weighted Average Age of Portfolio:   30.4 mos
Number of Notes:   2825 notes, 1094 issued and current, 1165 active

A   0%
B   0%
C   2.3%
D   10.4%
E   55.8%
F   22.3%
G   9.2%

Term 36 - 4.8%
Term 60 - 95.2%

I sell a lot of late notes on the trading platform though, so i'm not sure if that makes my numbers invalid.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: rubicon on May 22, 2016, 11:10:27 AM
ANAR: 12.06% (combined return)
Weighted Average Interest Rate: 16.73%
Weighted Average Age of Portfolio: 10.6 months
Number of notes: 3565 (account summary)

A: 0.6%
B: 2.5%
C: 59.9%
D: 34.2%
E: 2.4%
F: 0.3%
G:  0%

36: 99.8%
60: 0.2%
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: nmay2k on May 22, 2016, 02:09:00 PM
An article in today's WSJ shows the breakdown of "deal volume by investor source."  Over 50% of funds came from institutions in the latest quarter.

http://topics.wsj.com/documents/print/WSJ_-C001-20160511.pdf

I do not have a lot of 1Q data, but the one file I have from March 17th shows 78% of the notes were w (2548) vs. f (700). This essentially matches the trend in April. It seems that now we are closer to 50% w. This would explain why most of the money would have been institutional in Q1. This does not mean that retail couldn't beat that if given a chance. 
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: RaymondG on May 23, 2016, 11:01:15 PM
Adjusted Net Annualized Return:   16.09%
Weighted Average Interest Rate:   21.07%

I sell a lot of late notes on the trading platform though, so i'm not sure if that makes my numbers invalid.
So, what's the combined ANAR rate?  It might be closer to your real return since you sell a lot on Folio.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: RaymondG on May 28, 2016, 12:10:32 AM
Monthly update.  The major change in this account is 20% of account value worth notes were sold in discount in Folio for deleveraging and rebalancing investments.

Combined ANAR: 10.05%
-- Adj. TTM (trailing twelve months) XIRR : 8.21% --  Dropped 1.5% due to negative return in this month.

Weighted Average Interest Rate:   17.32%
Weighted Average Age of Portfolio:   30.8 mos
Number of Notes:   2,203

A(0.2%) B (0.6%) C(15.1%) D(48.3%) E(30.8%) F(4.4%) G(0.6%)
Payments  36(12.1%) 60(87.9%)

vs All Accounts: 87.80
vs Similar Age Accounts: 97.97
vs Similar Age and WAIR Accounts: 93.24
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Lovinglifestyle on May 30, 2016, 06:18:16 PM
This is a two month update, going on the June chart?   I guess, since this is May 30 and I want to get it over with because it's hard.  Thank you lascott, for performing this service and also for putting up with all of us.  ;)

Let me know if I need to correct something.

  Primary Notes
Traded Notes
Combined Return
Adjusted Net Annualized Return 8.72%
Understanding Your Combined Returns

Your Notes purchased on the Lending Club platform



Adjusted Net Annualized Return3 ?:   15.05%
Weighted Average Interest Rate:   17.95%
Weighted Average Age of Portfolio:   30.1 mos
Number of Notes:   6,130  (Active notes, 2435)


Composition ** ( $ )
Term|Grade
A(1.6%) B (10.4%) C(15.9%) D(16.4%) E(39.5%) F(12.3%) G(3.9%)

Composition ** ( $ )
Term|Grade
Payments  36(38.5%) 60(61.5%)


Your Portfolio

vs All Accounts:
77.15
vs Similar Age Accounts:
91.28
vs Similar Age and WAIR Accounts:
79.25
© 2016 - Jon Heizer
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Edward Reid on June 01, 2016, 11:18:31 AM
2015-06-01

Adjusted Net Annualized Return:    10.23%
Weighted Average Interest Rate:    13.13%
Weighted Average Age of Portfolio:    8.6 mos
Number of Notes:    290

Grade
A (1.4%) B (5.7%) C (89.9%)
D (3.0%) E (0.0%) F (0.0%) G (0.0%)

Term
Payments  36 (2.3%) 60 (97.7%)

Your Portfolio
vs All Accounts:
    90.17
vs Similar Age Accounts:
    91.45
vs Similar Age and WAIR Accounts:
    93.39
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on June 02, 2016, 12:09:30 AM
Been on a long roadtrip. Will be home in a few days. Will catch up then!
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Fudgenut on June 02, 2016, 01:09:35 AM
6/01/2016

Fudgenut SEP IRA:
Adjusted Net Annualized Return:   10.94%
Weighted Average Interest Rate:   19.06%
Weighted Average Age of Portfolio:   20.7 mos
Number of Notes:   4,550

A(0.0%) B (0.0%) C(5.3%) D(52.8%) E(29.0%) F(10.7%) G(2.2%)
Payments  36(22.6%) 60(77.4%)

vs All Accounts:
93.20
vs Similar Age Accounts:
98.54
vs Similar Age and WAIR Accounts:
94.19

Fudgenut ROTH IRA:
Adjusted Net Annualized Return3 ?:   10.61%
Weighted Average Interest Rate:   19.15%
Weighted Average Age of Portfolio:   11.0 mos
Number of Notes:   3,726

A(0.0%) B (0.0%) C(5.3%) D(52.3%) E(28.7%) F(11.3%) G(2.3%)
Payments  36(21.7%) 60(78.3%)

vs All Accounts:
92.01
vs Similar Age Accounts:
97.60
vs Similar Age and WAIR Accounts:
94.54

Fudgenut Taxable:

Adjusted Net Annualized Return3 ?:   9.67%
Weighted Average Interest Rate:   18.76%
Weighted Average Age of Portfolio:   17.4 mos
Number of Notes:   2,250

A(0.0%) B (0.0%) C(5.2%) D(55.6%) E(28.9%) F(8.9%) G(1.4%)
Payments  36(21.7%) 60(78.3%)

vs All Accounts:
86.56
vs Similar Age Accounts:
95.41
vs Similar Age and WAIR Accounts:
84.33
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: dompazz on June 02, 2016, 01:52:12 PM

8.58% ANAR Combines
911 notes total (143 fully paid)
11.1% WAIR
10.8m WAAP
29.5/26.6/26.4/12.8/4.6/0.1/0  --  A/B/C/D/E/F/G
100% 36 month
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: chi_ra on June 03, 2016, 11:34:28 AM
Update 6/2/2016

Adjusted Net Annualized Return:   10.25%
Weighted Average Interest Rate:   13.56%
Weighted Average Age of Portfolio:   4.8 mos
Number of Notes:   145

A(0.0%) B (29.9%) C(35.3%) D(29.7%) E(5.2%) F(0.0%) G(0.0%)
Payments  36(99.2%) 60(0.8%)

vs All Accounts:
90.23
vs Similar Age Accounts:
63.04
vs Similar Age and WAIR Accounts:
66.37

XIRR: 6.95
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: SLCPaladin on June 03, 2016, 02:34:07 PM
Late to the party, but here are my numbers:

Adjusted Net Annualized Return: 8.69%
Weighted Average Interest Rate: 15.07%
Weighted Average Age of Portfolio: 18.7 mos
Number of Notes: 4984

Grade
A (5%) B (27%) C (21%)
D (23%) E (21%) F (3%) G (1%)

Term
Payments  36 (30%) 60 (70%)

Your Portfolio
vs All Accounts: 76.73
vs Similar Age Accounts: 87.57
vs Similar Age and WAIR Accounts: 83.54
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jennrod12 on June 04, 2016, 12:51:11 AM
Here is my June update - got my second charge-off (at least this one wasn't quite a straight roller)

Adjusted Net Annualized Return3 ?:   6.52%
Weighted Average Interest Rate:   13.48%
Weighted Average Age of Portfolio:   7.4 mos
Number of Notes:   200
Active notes: 188

A(2.7%) B (25.0%) C(41.5%) D(21.6%) E(6.5%) F(2.7%) G(0.0%)
Term:  36(99.4%) 60(0.6%)

vs All Accounts:31.08
vs Similar Age Accounts:23.69
vs Similar Age and WAIR Accounts:20.84

Someone has to prop up the bottom!  ;)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on June 05, 2016, 10:30:39 PM
not sure if i'm doing this right but this is my account:


Adjusted Net Annualized Return:   16.09%
Weighted Average Interest Rate:   21.07%
Weighted Average Age of Portfolio:   30.4 mos
Number of Notes:   2825 notes, 1094 issued and current, 1165 active

A   0%
B   0%
C   2.3%
D   10.4%
E   55.8%
F   22.3%
G   9.2%

Term 36 - 4.8%
Term 60 - 95.2%

I sell a lot of late notes on the trading platform though, so i'm not sure if that makes my numbers invalid.
Say, I have limited space that I want to cut-n-paste from. You do have a pretty old account so it could be good.
You would need to provide the "combined ANAR" to be more realistic. Not likely you are getting 16% I would not think.
First time posters would need to provide graphic shots of their numbers and not just text.

Also, you would need to commit to providing monthly or atleast quarterly updates?
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on June 05, 2016, 11:26:31 PM
Late to the party, but here are my numbers:

Adjusted Net Annualized Return: 8.69%
Weighted Average Interest Rate: 15.07%
Weighted Average Age of Portfolio: 18.7 mos
Number of Notes: 4984

Grade
A (5%) B (27%) C (21%)
D (23%) E (21%) F (3%) G (1%)

Term
Payments  36 (30%) 60 (70%)

Your Portfolio
vs All Accounts: 76.73
vs Similar Age Accounts: 87.57
vs Similar Age and WAIR Accounts: 83.54
Say, I have limited space that I want to cut-n-paste from. You do have a pretty old account so it could be good.
You would need to provide the "combined ANAR" to be more realistic. Not likely you are getting 16% I would not think.
First time posters would need to provide graphic shots of their numbers and not just text.

Also, you would need to commit to providing monthly or atleast quarterly updates?
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on June 05, 2016, 11:32:39 PM
Thanks everyone. I'm cutting off May updates now.

May (vs April) UPDATES:
Image: http://i.imgur.com/F0q9MIF.png
Image: http://i.imgur.com/VfPP6HC.png
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2FF0q9MIF.png&hash=bfb629f952adbba03f6b5e13c459f856)
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2FVfPP6HC.png&hash=1d24775e97c97af4d8aceb9d3164586a)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: twigster on June 08, 2016, 02:12:04 AM
twigster IRA
>>account performance is down significantly since last time
Adjusted Net Annualized Return:    9.30%
Weighted Average Interest Rate:    14.26%
Weighted Average Age of Portfolio:    15.3 mos
Number of Notes:    2338

Grade
A (0.0%) B (5.5%) C (56.6%)
D (25.6%) E (11.8%) F (0.3%) G (0.1%)


Term
Payments  36 (17.4%) 60 (82.6%)

Your Portfolio
vs All Accounts:
    83.12
vs Similar Age Accounts:
    94.13
vs Similar Age and WAIR Accounts:
    90.44

twigster
>>account performance has held up well, not really able to determine that much from comparing the two accounts.
Adjusted Net Annualized Return:    10.11%
Weighted Average Interest Rate:    14.23%
Weighted Average Age of Portfolio:    22.4 mos
Number of Notes:    881

Grade
A (0.0%) B (7.7%) C (49.4%)
D (42.5%) E (0.4%) F (0.0%) G (0.0%)


Term
Payments  36 (21.8%) 60 (78.2%)

Your Portfolio
vs All Accounts:
    89.62
vs Similar Age Accounts:
    96.58
vs Similar Age and WAIR Accounts:
    96.82
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on June 14, 2016, 05:34:35 PM
twigster IRA
>>account performance is down significantly since last time
Adjusted Net Annualized Return:    9.30%
Weighted Average Interest Rate:    14.26%
Weighted Average Age of Portfolio:    15.3 mos
Number of Notes:    2338
Grade A (0.0%) B (5.5%) C (56.6%) D (25.6%) E (11.8%) F (0.3%) G (0.1%)
TermPayments  36 (17.4%) 60 (82.6%)
Your Portfolio vs All Accounts:    83.12 vs Similar Age Accounts:     94.13 vs Similar Age and WAIR Accounts:     90.44

twigster
>>account performance has held up well, not really able to determine that much from comparing the two accounts.
Adjusted Net Annualized Return:    10.11%
Weighted Average Interest Rate:    14.23%
Weighted Average Age of Portfolio:    22.4 mos
Number of Notes:    881
Grade A (0.0%) B (7.7%) C (49.4%) D (42.5%) E (0.4%) F (0.0%) G (0.0%)
Term Payments  36 (21.8%) 60 (78.2%)
Your Portfolio vs All Accounts:     89.62 vs Similar Age Accounts:     96.58 vs Similar Age and WAIR Accounts:     96.82
Bit of a change with your non-IRA note grades :)

June (vs May) UPDATES:
Image: http://i.imgur.com/LAL1XEf.png
Image: http://i.imgur.com/Ay46BWF.png
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2FLAL1XEf.png&hash=77cc8f17b372b4ff25a219c2adeae006)
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2FAy46BWF.png&hash=7ee0da1b73a254d0e121391903158f3c)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: rubicon on June 30, 2016, 06:06:00 PM
Jun 30
https://www.lendingclub.com/account/summary.action
ANAR: 12.00% (combined return)
Number of notes: 10026

https://www.lendingclub.com/account/lenderBenchmarkReturns.action
Weighted Average Age of Portfolio: 11.9 months

https://www.lendingclub.com/account/lenderAccountDetail.action
Weighted Average Rate:15.45%
A: 1.4%
B: 9.2%
C: 45.5%
D: 30.7%
E: 9.5%
F: 3.0%
G:  0.6%

36: 88.0%
60: 12.0%
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: storm on July 01, 2016, 02:21:50 AM
2nd Quarter update...

Combined ANAR:  10.32%
Weighted Average Interest Rate:   15.29%
Weighted Average Age of Portfolio:   29.0 mos
Number of Notes:   5,547

A(0.0%)
B (3.3%)
C(40.3%)
D(27.4%)
E(23.3%)
F(4.1%)
G(1.6%)

36(15.5%)
60(84.5%)

vs All Accounts:  90.56
vs Similar Age Accounts:  98.48
vs Similar Age and WAIR Accounts:  98.52

XIRR:  10.52%
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Edward Reid on July 01, 2016, 03:39:16 AM
2016-07-01

Adjusted Net Annualized Return:    9.83%
Weighted Average Interest Rate:    13.22%
Weighted Average Age of Portfolio:    8.7 mos
Number of Notes:    306

Grade
A (1.3%) B (5.0%) C (91.0%)
D (2.8%) E (0.0%) F (0.0%) G (0.0%)

Term
Payments  36 (5.1%) 60 (94.9%)

Your Portfolio
vs All Accounts:
    87.71
vs Similar Age Accounts:
    89.51
vs Similar Age and WAIR Accounts:
    89.75

and for grins, here's a new version of my graph ... this is based on accounts with 250 or more notes and no note larger than 1% of portfolio.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: balto21 on July 01, 2016, 11:36:45 AM
Here is my Q2 understanding returns: http://screencast.com/t/jpunMvtyh. It has been a rough quarter. :)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jennrod12 on July 02, 2016, 02:03:13 AM
Here are my numbers, I should have posted yesterday before I got 2 new charge-offs (raising my total to 4 so far).

Adjusted Net Annualized Return: 5.69%
Weighted Average Interest Rate: 13.48%
Weighted Average Age of Portfolio: 8.3 mos
Number of Notes: 200
Active notes: 184

A (2.2%)
B (24.8%)
C (41.9%)
D (21.8%)
E (6.6%)
F (2.8%)
G (0.0%)

Payments 
36 (99.4%)
60 (0.6%)

Your Portfolio
vs All Accounts:
    20.01
vs Similar Age Accounts:
    21.88
vs Similar Age and WAIR Accounts:
    20.15

Thanks for compiling these stats!

Jenn
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on July 02, 2016, 01:35:24 PM
Sorry for the delay folks. Some interesting changes as it looks like some selling and buying was going on!

June (vs May)
Image: http://i.imgur.com/M1LyiJM.png
Image: http://i.imgur.com/nAmqfit.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Lovinglifestyle on July 02, 2016, 02:09:37 PM
7-2-2016

(1.6%) B (10.4%) C(16.3%) D(17.1%) E(38.7%) F(12.0%) G(3.9%)

Term 36(39.4%) 60(60.6%)

Combined Return:
Adjusted Net Annualized Return 8.60%

Net Annualized Return:   14.79%
Weighted Average Interest Rate:   17.93%
Weighted Average Age of Portfolio:   31.0 mos
Number of Notes:   6,144

I don't understand this result re the Q, R, S columns:

Your Portfolio
vs All Accounts:
80.19
vs Similar Age Accounts:
0.00
vs Similar Age and WAIR Accounts:
0.00
© 2016 - Jon Heizer

Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Fudgenut on July 03, 2016, 11:25:54 PM
7/3/2016

Fudgenut SEP IRA:
Adjusted Net Annualized Return:   10.51%
Weighted Average Interest Rate:   19.07%
Weighted Average Age of Portfolio:   21.7 mos
Number of Notes:   4,565

A(0.0%) B (0.0%) C(7.3%) D(51.7%) E(28.4%) F(10.3%) G(2.3%)
Payments  36(22.5%) 60(77.5%)

vs All Accounts:
93.56
vs Similar Age Accounts:
98.37
vs Similar Age and WAIR Accounts:
94.19

Fudgenut ROTH IRA:
Adjusted Net Annualized Return3 ?:   10.36%
Weighted Average Interest Rate:   19.16%
Weighted Average Age of Portfolio:   22.0 mos
Number of Notes:   3,748

A(0.0%) B (0.0%) C(7.8%) D(50.7%) E(28.1%) F(11.0%) G(2.3%)
Payments  36(21.5%) 60(78.5%)

vs All Accounts:
92.78
vs Similar Age Accounts:
98.14
vs Similar Age and WAIR Accounts:
95.48

Fudgenut Taxable:

Adjusted Net Annualized Return3 ?:   9.28%
Weighted Average Interest Rate:   18.79%
Weighted Average Age of Portfolio:   18.3 mos
Number of Notes:   2,283

A(0.0%) B (0.0%) C(8.5%) D(53.8%) E(27.6%) F(8.7%) G(1.5%)
Payments  36(22.6%) 60(77.4%)

vs All Accounts:
86.73
vs Similar Age Accounts:
95.78
vs Similar Age and WAIR Accounts:
86.03
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jheizer on July 05, 2016, 10:31:12 AM
Lovinglifestyle, the data from the understanding returns chart is being used and it only goes to 30 months average age.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Lovinglifestyle on July 05, 2016, 10:39:35 AM
Lovinglifestyle, the data from the understanding returns chart is being used and it only goes to 30 months average age.

Thank you!  I must have overlooked that information, or just failed to extrapolate it since I knew that was why my blue dot on the chart disappeared. 
Appreciate your response!
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on July 05, 2016, 11:08:33 AM
I will make final June (vs May) updates tonight in case others want to get their updates in.  Pretty interesting month of changes!
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on July 06, 2016, 12:46:14 PM
June (vs May)
Image: http://i.imgur.com/5383gSM.png
Image: http://i.imgur.com/NN9ZBVg.png
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2F5383gSM.png&hash=32ece9da6e5924a871ae94ad370ab75a)
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2FNN9ZBVg.png&hash=2d7970d4906908b7788be5f52aa978e0)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: chi_ra on July 08, 2016, 06:59:15 PM
Update as of 7-8-2016

A (0%) B (30.4%) C(35.0%) D(29.5%) E(5.0%) F(0%) G(0%)

Term 36(99.3%) 60(0.7%)

Combined Return:
Adjusted Net Annualized Return 10.2%
Weighted Average Interest Rate:   13.56%
Weighted Average Age of Portfolio:   5.8 mos
Number of Notes:   150

ANAR compare-
vs All Accounts:
91.71
vs Similar Age Accounts:
79.22
vs Similar Age and WAIR Accounts:
83.51
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: rawraw on July 09, 2016, 07:38:02 AM
A(9.0%) B (25.7%) C(24.0%) D(15.3%) E(12.8%) F(11.1%) G(2.1%
  36(38.2%) 60(61.8%)

ANAR: 9.72
Primary ANAR: 9.20
Secondary ANAR: 11.23

Adjusted Net Annualized Return3 ?:   9.20%
Weighted Average Interest Rate:   14.68%
Weighted Average Age of Portfolio:   18.3 mos
Number of Notes:   3,345
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Paulie2083 on July 09, 2016, 09:12:17 PM
here's mine, still pretty early.

Adjusted Net Annualized Return: 14.44%
Weighted Average Interest Rate: 19.12%
Weighted Average Age of Portfolio: 3.7 mos
Number of Notes:   672

Grade:
C(2.5%) D(54.8%) E(42.6%)
Term:
36(43.1%) 60(56.9%)

vs All Accounts:
99.30
vs Similar Age Accounts:
94.59
vs Similar Age and WAIR Accounts:
77.02

Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Fred93 on July 10, 2016, 12:17:20 AM
7/9/16 update
ANAR 9.47
WAIR 13.81
AGE 11.6
#notes 5816 total, of which 4193 active
%ile 87.02 vs all
%ile 95.70 vs sim age
%ile 96.00 vs sim age & WAIR

A 0%
B 19.3%
C 57.6%
D 17.4%
E 5.6%
F 0%
G 0%

36 mo 23.5%
60 mo 76.5%
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: PennySaved on July 10, 2016, 03:19:33 AM
PennySaved Taxable   7-10-16

Adjusted Net Annualized Return 8.36%

Weighted Average Interest Rate  12.94%

Weighted Average Age of Portfolio  22.5 mos

Number of Notes 4,048  (Of these, 1057 are paid off, 237 are charged off)

A    12.2%
B    28.7%
C    42.5%
D    10.2%
E    5.6%
F    1.1%
G    0.7%

42.2% 36 mos.   57.8% 60 mos.

I have stopped reinvesting and have started to sell notes on Folio.
I also have an Roth IRA account, will have to dig up stats on those numbers later.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on July 17, 2016, 03:05:40 PM
here's mine, still pretty early.

Adjusted Net Annualized Return: 14.44%
Weighted Average Interest Rate: 19.12%
Weighted Average Age of Portfolio: 3.7 mos
Number of Notes:   672

Grade:
C(2.5%) D(54.8%) E(42.6%)
Term:
36(43.1%) 60(56.9%)

vs All Accounts:
99.30
vs Similar Age Accounts:
94.59
vs Similar Age and WAIR Accounts:
77.02
Sorry but I am not adding brand new entries for very young accounts. (you also only have 1 post on the forum) Need to have mature accounts with ongoing info. Also you would have to agree to monthly or atleast always do quarterly updates. The list is large and hard to mange as well as cut-n-paste.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on July 17, 2016, 03:27:01 PM
PennySaved Taxable   7-10-16
Adjusted Net Annualized Return 8.36%
Weighted Average Interest Rate  12.94%
Weighted Average Age of Portfolio  22.5 mos
Number of Notes 4,048  (Of these, 1057 are paid off, 237 are charged off)
A    12.2%
B    28.7%
C    42.5%
D    10.2%
E    5.6%
F    1.1%
G    0.7%
42.2% 36 mos.   57.8% 60 mos.
I have stopped reinvesting and have started to sell notes on Folio.
I also have an Roth IRA account, will have to dig up stats on those numbers later.
So you are winding your account down? Are you going to start reinvesting again?
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on July 17, 2016, 03:29:56 PM
Sorry for being so slow about this update!

July (vs June)
Image: http://i.imgur.com/9cBZ2i2.png
Image: http://i.imgur.com/EnfLhfG.png
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2F9cBZ2i2.png&hash=687e5200b481806f259017ccaccd1bbb)
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2FEnfLhfG.png&hash=72802f3fc271aaeed6545ecbd4b817ce)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: rubicon on July 27, 2016, 10:12:15 AM
Jun 27

https://www.lendingclub.com/account/summary.action
ANAR: 12.21% (combined return)
Number of notes: 12333

https://www.lendingclub.com/account/lenderBenchmarkReturns.action
Weighted Average Age of Portfolio: 12.8 months

https://www.lendingclub.com/account/lenderAccountDetail.action
Weighted Average Rate:15.56%
A: 1.1%
B: 8.0%
C: 44.0%
D: 32.4%
E: 11.2%
F: 2.8%
G:  0.5%

36: 88.5%
60: 11.5%
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Larry321 on July 27, 2016, 11:20:56 AM
Jun 27

https://www.lendingclub.com/account/summary.action
ANAR: 12.21% (combined return)
Number of notes: 12333

https://www.lendingclub.com/account/lenderBenchmarkReturns.action
Weighted Average Age of Portfolio: 12.8 months

https://www.lendingclub.com/account/lenderAccountDetail.action
Weighted Average Rate:15.56%
A: 1.1%
B: 8.0%
C: 44.0%
D: 32.4%
E: 11.2%
F: 2.8%
G:  0.5%

36: 88.5%
60: 11.5%
12.12% ANAR? Damn!  Please teach me! How are you doing that?  You are the master!
I am hovering between 7-8% at the moment.

Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: fliphusker on July 27, 2016, 11:47:44 AM
Jun 27

https://www.lendingclub.com/account/summary.action
ANAR: 12.21% (combined return)
Number of notes: 12333

https://www.lendingclub.com/account/lenderBenchmarkReturns.action
Weighted Average Age of Portfolio: 12.8 months

https://www.lendingclub.com/account/lenderAccountDetail.action
Weighted Average Rate:15.56%
A: 1.1%
B: 8.0%
C: 44.0%
D: 32.4%
E: 11.2%
F: 2.8%
G:  0.5%

36: 88.5%
60: 11.5%
Not much risk involved and 36 month notes -- quite impressive lack of defaults.  Jealous!!
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: rubicon on July 27, 2016, 02:32:35 PM
here's my screenshot

(https://s31.postimg.org/iv6d49s4r/image.jpg)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: rawraw on July 27, 2016, 07:02:18 PM
Jun 27

https://www.lendingclub.com/account/summary.action
ANAR: 12.21% (combined return)
Number of notes: 12333

https://www.lendingclub.com/account/lenderBenchmarkReturns.action
Weighted Average Age of Portfolio: 12.8 months

https://www.lendingclub.com/account/lenderAccountDetail.action
Weighted Average Rate:15.56%
A: 1.1%
B: 8.0%
C: 44.0%
D: 32.4%
E: 11.2%
F: 2.8%
G:  0.5%

36: 88.5%
60: 11.5%
This is impressive.  It seems like it'd have to be Folio influenced.  But at any rate, this is one of the few performances I've seen that makes me envious.  Doesn't seem incredibly risky but good returns.  I had similar returns until my account got to ~18 months avg age, but I had 150 bps lower average yield but with more reliance on 60s.  I want your returns again! :)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: rubicon on July 27, 2016, 11:36:05 PM
yes I definitely expect returns to moderate as the portfolio ages further.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: michael49 on July 31, 2016, 09:06:21 AM
A(0.0%) B (4.2%) C(34.7%) D(34.3%) E(18.3%) F(7.5%)G(1.0%)

36month: 55.7%.  60 month: 44.3%

Your Notes purchased on the Lending Club platform
Adjusted Net Annualized Return3 ?:   8.80%
Weighted Average Interest Rate:   16.47%
Weighted Average Age of Portfolio:   10.1 mos
Number of Notes:   1,132

This is my main account which I've paused investing in new loans but I'm going to start investing again, probably just 36 month loans for now.
I have a IRA acct as well which I've continued to invest in all along which is doing well.



Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jennrod12 on July 31, 2016, 11:17:10 PM
No new investing in this account in 2016, I'm letting it run it's course to see how it turns out.

Adjusted Net Annualized Returns:   5.60%
Weighted Average Interest Rate:   13.48%
Weighted Average Age of Portfolio:   9.3 mos
Number of Notes: 200
Active notes: 182

A(2.2%) B (24.7%) C(41.8%) D(21.9%) E(6.6%) F(2.8%) G(0.0%)
Payments  36(99.4%) 60(0.6%)

ANAR Compare:
vs All Accounts:
21.35
vs Similar Age Accounts:
27.42
vs Similar Age and WAIR Accounts:
25.93

Jenn
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Edward Reid on August 01, 2016, 05:31:33 PM
2016-08-01

Adjusted Net Annualized Return:    9.72%
Weighted Average Interest Rate:    13.29%
Weighted Average Age of Portfolio:    9.1 mos
Number of Notes:    321

Grade
A (1.1%) B (4.6%) C (91.8%)
D (2.5%) E (0.0%) F (0.0%) G (0.0%)

Term
Payments  36 (4.6%) 60 (95.4%)

Your Portfolio

vs All Accounts:
    91.63
vs Similar Age Accounts:
    94.56
vs Similar Age and WAIR Accounts:
    95.97
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Lovinglifestyle on August 01, 2016, 07:26:46 PM
2016-08-01

Combined ANAR:  8.62
WAIR:  17.82
Weighted Average Age of Portfolio:  31.2 mos
Number of Notes:6,287

Grade
A(1.5%) B (13.6%) C(17.5%) D(16.6%) E(36.0%) F(11.2%) G(3.6%)

Term
Payments  36(43.5%) 60(56.5%)

Your Portfolio

vs All Accounts:
83.92
vs Similar Age Accounts:
0.00
vs Similar Age and WAIR Accounts:
0.00
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: dr.everett on August 01, 2016, 07:47:49 PM
08/01/16

PDF with screenshots attached- sorry I've been MIA for a while- been busy and also been changing strategy. Will try to update a bit more often.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Fudgenut on August 02, 2016, 12:31:38 PM
8/2/2016

Fudgenut SEP IRA:
Adjusted Net Annualized Return:   10.46%
Weighted Average Interest Rate:   19.09%
Weighted Average Age of Portfolio:   22.5 mos
Number of Notes:   4,585

A(0.0%) B (0.0%) C(9.8%) D(50.5%) E(27.6%) F(10.1%) G(2.2%)
Payments  36(22.7%) 60(77.3%)

vs All Accounts:
94.20
vs Similar Age Accounts:
98.14
vs Similar Age and WAIR Accounts:
93.96

Fudgenut ROTH IRA:
Adjusted Net Annualized Return3 ?:   10.23%
Weighted Average Interest Rate:   19.19%
Weighted Average Age of Portfolio:   22.7 mos
Number of Notes:   3,796

A(0.0%) B (0.0%) C(10.0%) D(49.4%) E(27.3%) F(11.0%) G(2.3%)
Payments  36(21.5%) 60(78.5%)

vs All Accounts:
93.42
vs Similar Age Accounts:
97.84
vs Similar Age and WAIR Accounts:
94.25

Fudgenut Taxable:

Adjusted Net Annualized Return3 ?:   9.05%
Weighted Average Interest Rate:   18.83%
Weighted Average Age of Portfolio:   18.9 mos
Number of Notes:   2,326

A(0.0%) B (0.0%) C(9.2%) D(53.4%) E(27.2%) F(8.7%) G(1.4%)
Payments  36(22.6%) 60(77.4%)

vs All Accounts:
86.76
vs Similar Age Accounts:
95.21
vs Similar Age and WAIR Accounts:
84.07
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on August 03, 2016, 05:45:21 PM
Sorry, just got back from a roadtrip. Will update the spreadsheet tonight or tomorrow morning.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on August 04, 2016, 02:58:20 PM
Some folio buying and selling going on as percentages and counts changed a fair amount for some. Interesting.

Final --
July (vs June)
Image: http://i.imgur.com/fI10c2V.png
Image: http://i.imgur.com/ZNeqw0u.png
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2FfI10c2V.png&hash=fb5d6758944933785e04461cf653b6c1)
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2FZNeqw0u.png&hash=a90b15800c060f434f80612c473208c5)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jheizer on August 04, 2016, 03:46:30 PM
My update https://docs.google.com/spreadsheets/d/1vIWsPi5fb3YTo_H3aOnIppxyypQkBZW90HpBcLXLjVo/edit?usp=sharing

A whole lot has changed for my account.  January I stopped added more money so my notes are aging a lot and defaults are rolling in.  10% of my current loans are now sourced from folio at discounts.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Paulie2083 on August 17, 2016, 06:19:02 PM
here's mine, still pretty early.

Adjusted Net Annualized Return: 14.44%
Weighted Average Interest Rate: 19.12%
Weighted Average Age of Portfolio: 3.7 mos
Number of Notes:   672

Grade:
C(2.5%) D(54.8%) E(42.6%)
Term:
36(43.1%) 60(56.9%)

vs All Accounts:
99.30
vs Similar Age Accounts:
94.59
vs Similar Age and WAIR Accounts:
77.02
Sorry but I am not adding brand new entries for very young accounts. (you also only have 1 post on the forum) Need to have mature accounts with ongoing info. Also you would have to agree to monthly or atleast always do quarterly updates. The list is large and hard to mange as well as cut-n-paste.

thats fine, i'll keep contributing.

Adjusted Net Annualized Return3 ?:   15.10%
Weighted Average Interest Rate:   19.19%
Weighted Average Age of Portfolio:   4.7 mos
Number of Notes:   727


vs All Accounts:
99.60
vs Similar Age Accounts:
98.07
vs Similar Age and WAIR Accounts:
92.79
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Fudgenut on September 01, 2016, 10:44:26 AM
Is there another tool to use now?  It appears that http://lc.geekminute.com/Home/ANARCompare is down...
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on September 01, 2016, 10:47:23 AM
Is there another tool to use now?  It appears that http://lc.geekminute.com/Home/ANARCompare is down...
Hopefully it is just temporary. I'll wait for some updates over the next few days and will update the spreadsheet.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jheizer on September 01, 2016, 10:52:38 AM
Is there another tool to use now?  It appears that http://lc.geekminute.com/Home/ANARCompare is down...

Neighbors getting a new fence installed and the company cut through the cable lines yesterday.  Should hopefully be back up today at some point. 

I work from home so I noticed as soon as it went dead.  Went out and asked them if they noticed anything and they pointed at the wires sticking up out of the ground.  Over heard the one guy say to another "yup, their mark was right on the spot" referencing the underground markings.  Stupid idiots.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Fred93 on September 01, 2016, 11:33:10 AM
Neighbors getting a new fence installed and the company cut through the cable lines yesterday. 

My fence guy did same thing!  Never dawned on them that they should look to see what was on the other side of the fence before using the sawzall.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: ThinleyWangchuk on September 01, 2016, 05:11:10 PM
Will update my info soon...  Currently my ANAR is ~2% less for all accounts.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Fudgenut on September 01, 2016, 05:38:05 PM
September 1, 2016

Added folio combined metrics for the first time...not sure if I did that right, as I used all the same numbers except the ANAR for the combined return from the main dashboard home screen.

Fudgenut SEP IRA:
Adjusted Net Annualized Return:   10.24%
Weighted Average Interest Rate:   19.10%
Weighted Average Age of Portfolio:   23.3 mos
Number of Notes:   4,625

A(0.0%) B (0.0%) C(12.2%) D(49.1%) E(26.8%) F(9.7%) G(2.1%)
Payments  36(22.8%) 60(77.2%)

vs All Accounts:
94.07
vs Similar Age Accounts:
98.26
vs Similar Age and WAIR Accounts:
96.24

FOLIO COMBINED
Adjusted Net Annualized Return (COMBINED):   10.37%
vs All Accounts:
94.38
vs Similar Age Accounts:
98.40
vs Similar Age and WAIR Accounts:
96.24

Fudgenut ROTH IRA:
Adjusted Net Annualized Return3 ?:   10.03%
Weighted Average Interest Rate:   19.20%
Weighted Average Age of Portfolio:   23.6 mos
Number of Notes:   3,809

A(0.0%) B (0.0%) C(12.4%) D(48.2%) E(26.6%) F(10.6%) G(2.2%)
Payments  36(21.7%) 60(78.3%)

vs All Accounts:
93.38
vs Similar Age Accounts:
97.91
vs Similar Age and WAIR Accounts:
95.56

FOLIO COMBINED
Adjusted Net Annualized Return (COMBINED):   10.00%
vs All Accounts:
92.93
vs Similar Age Accounts:
97.81
vs Similar Age and WAIR Accounts:
95.56


Fudgenut Taxable:

Adjusted Net Annualized Return3 ?:   8.96%
Weighted Average Interest Rate:   18.86%
Weighted Average Age of Portfolio:   19.5 mos
Number of Notes:   2,372

A(0.0%) B (0.0%) C(9.9%) D(53.2%) E(26.9%) F(8.7%) G(1.3%)
Payments  36(23.2%) 60(76.8%)

vs All Accounts:
87.43
vs Similar Age Accounts:
95.55
vs Similar Age and WAIR Accounts:
88.46

FOLIO COMBINED
Adjusted Net Annualized Return (COMBINED):   9.20%
vs All Accounts:
88.84
vs Similar Age Accounts:
96.48
vs Similar Age and WAIR Accounts:
89.74
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jennrod12 on September 04, 2016, 08:34:43 PM
9/4/2016 - Jennrod12 buy & hold account (still holding)

Adjusted Net Annualized Return3 ?:   5.78%
Weighted Average Interest Rate:   13.48%
Weighted Average Age of Portfolio:   10.5 mos
Number of Notes:   200
Active Notes:  175

A(2.2%) B (24.7%) C(41.0%) D(22.4%) E(6.8%) F(2.8%) G(0.0%)
Payments  36(99.3%) 60(0.7%)

vs All Accounts:
30.17
vs Similar Age Accounts:
41.64
vs Similar Age and WAIR Accounts:
38.79


thanks, and have a great long weekend!

Jenn
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: twigster on September 04, 2016, 09:40:06 PM
It looks like my 6/8/2016 updates are no longer in the current chart.  I see them in the chart posted on July 6th 2016:
Twigster IRA 9.30% (not 10.25%)
Twigster 10.11% (not 10.13%)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on September 05, 2016, 12:50:27 PM
It looks like my 6/8/2016 updates are no longer in the current chart.  I see them in the chart posted on July 6th 2016:
Twigster IRA 9.30% (not 10.25%)
Twigster 10.11% (not 10.13%)
Apologies. I'll investigate and correct.

Will update spreadsheet tomorrow.  Others feel free to post your results.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on September 07, 2016, 11:40:53 AM
It looks like my 6/8/2016 updates are no longer in the current chart.  I see them in the chart posted on July 6th 2016:
Twigster IRA 9.30% (not 10.25%)
Twigster 10.11% (not 10.13%)
Found what you were talking about here: http://www.lendacademy.com/forum/index.php?topic=3365.msg36046#msg36046
I have separate tabs in google sheet for each month and create the next tab generally between the 1st and 5th day of the month. Your updates came on the 6th and apparently didn't get moved (removed) forward. Sorry.

(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2FaIPut5V.png&hash=d4dc61c2d05a8b7b9979f4412e103fdf)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on September 07, 2016, 12:11:30 PM
August (vs July)
Image: http://i.imgur.com/wmTdx7E.png
Image: http://i.imgur.com/GPlpZmx.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Edward Reid on September 08, 2016, 02:34:40 PM
I only got power last night after Hurricane Hermine, and I'm still catching up. I guess I'm too late for this month's report, but I'll post the numbers anyway.

2016-09-08

Adjusted Net Annualized Return:    10.10%
Weighted Average Interest Rate:    13.33%
Weighted Average Age of Portfolio:    9.9 mos
Number of Notes:    330

Grade
A (1.1%) B (4.4%) C (92.0%)
D (2.5%) E (0.0%) F (0.0%) G (0.0%)

Term
Payments  36 (4.4%) 60 (95.6%)

vs All Accounts:
    93.68
vs Similar Age Accounts:
    97.20
vs Similar Age and WAIR Accounts:
    97.58
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on September 09, 2016, 10:33:49 AM
I only got power last night after Hurricane Hermine, and I'm still catching up. I guess I'm too late for this month's report, but I'll post the numbers anyway.
2016-09-08
Adjusted Net Annualized Return:    10.10%
Weighted Average Interest Rate:    13.33%
Weighted Average Age of Portfolio:    9.9 mos
Number of Notes:    330
Grade
A (1.1%) B (4.4%) C (92.0%) D (2.5%) E (0.0%) F (0.0%) G (0.0%)
Term Payments  36 (4.4%) 60 (95.6%)
vs All Accounts:     93.68
vs Similar Age Accounts:     97.20
vs Similar Age and WAIR Accounts:     97.58
Sorry to hear about your loss of power. I did your updates.

August (vs July)
Image: http://i.imgur.com/92OyIIw.png
Image: http://i.imgur.com/uLD3KUk.png
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2F92OyIIw.png&hash=463e13eaaa9fe733091bc0d0d4e0db88)
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2FuLD3KUk.png&hash=4018c44d227af09283578cf9152e98c1)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Paulie2083 on September 21, 2016, 03:07:31 PM
here's mine, still pretty early.

Adjusted Net Annualized Return: 14.44%
Weighted Average Interest Rate: 19.12%
Weighted Average Age of Portfolio: 3.7 mos
Number of Notes:   672

Grade:
C(2.5%) D(54.8%) E(42.6%)
Term:
36(43.1%) 60(56.9%)

vs All Accounts:
99.30
vs Similar Age Accounts:
94.59
vs Similar Age and WAIR Accounts:
77.02
Sorry but I am not adding brand new entries for very young accounts. (you also only have 1 post on the forum) Need to have mature accounts with ongoing info. Also you would have to agree to monthly or atleast always do quarterly updates. The list is large and hard to mange as well as cut-n-paste.

thats fine, i'll keep contributing.

Adjusted Net Annualized Return3 ?:   15.10%
Weighted Average Interest Rate:   19.19%
Weighted Average Age of Portfolio:   4.7 mos
Number of Notes:   727


vs All Accounts:
99.60
vs Similar Age Accounts:
98.07
vs Similar Age and WAIR Accounts:
92.79

new month

Adjusted Net Annualized Return3 ?:   14.04%
Weighted Average Interest Rate:   19.27%
Weighted Average Age of Portfolio:   5.3 mos
Number of Notes:   814

vs All Accounts:
99.42
vs Similar Age Accounts:
98.01
vs Similar Age and WAIR Accounts:
93.03

Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: senatorkevin on September 23, 2016, 12:27:46 AM
Just discovered this message board and thread. Was curious at what other returns people were getting as I felt what LC was telling me was not exactly accurate and after doing a quick google search, this site came up. (August was my first profitable month in awhile after numerous break even months and September seems to be trending up)

(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2F5XZk7XX.png&hash=8be085593b87af6877a120b35b2eef67)

vs All Accounts:
    99.76
vs Similar Age Accounts:
    99.97
vs Similar Age and WAIR Accounts:
    100.00
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: ThinleyWangchuk on September 23, 2016, 01:20:19 AM
Just discovered this message board and thread. Was curious at what other returns people were getting as I felt what LC was telling me was not exactly accurate and after doing a quick google search, this site came up. (August was my first profitable month in awhile after numerous break even months and September seems to be trending up)

(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2F5XZk7XX.png&hash=8be085593b87af6877a120b35b2eef67)

vs All Accounts:
    99.76
vs Similar Age Accounts:
    99.97
vs Similar Age and WAIR Accounts:
    100.00

WOW... I thought I had good returns...
What's you secret? ;)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: senatorkevin on September 23, 2016, 02:56:02 PM
WOW... I thought I had good returns...
What's you secret? ;)

Secret? Oh jeez... Don't take advice from message boards? Haha, just kidding. I'll have to poke around this forum and other posts to see what if anything I was doing differently than others. I will say that I don't use any 3rd party tools to find loans. Just a simple filter within the LC UI and then manual inspection.

Don't let the charts fool you, my actual profits are nowhere near what LC says it is.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Lovinglifestyle on September 23, 2016, 03:03:50 PM
Are you also selling some?
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: senatorkevin on September 23, 2016, 05:29:40 PM
Are you also selling some?

Yeah, of course. There's little reason to keep loans that are 30+ days overdue. In certain cases, it might make sense to ride it out... but in most cases I'll try and sell them at a somewhat reasonable price. (Sometimes they won't sell no matter the price) The volume is pretty low on that though.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: ThinleyWangchuk on September 24, 2016, 12:51:23 AM
WOW... I thought I had good returns...
What's you secret? ;)

Secret? Oh jeez... Don't take advice from message boards? Haha, just kidding. I'll have to poke around this forum and other posts to see what if anything I was doing differently than others. I will say that I don't use any 3rd party tools to find loans. Just a simple filter within the LC UI and then manual inspection.

Don't let the charts fool you, my actual profits are nowhere near what LC says it is.

You're pretty good at credit analysis :). If you don't mind me asking, what criterias are most important for a filter?  If you're more comfortable maybe send a DM?
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Shylock on September 24, 2016, 04:09:31 PM
Jeez, I am just getting rocked badly. I'm on autopilot using NSR and Lending Robot, focusing on D/E grades. F and G have much poorer returns.

Are there any passive strategies that can boost returns, in concert with the algorithmic pickers, or to replace them?

Your Notes purchased on the Lending Club platform
Adjusted Net Annualized Return3 ?:   4.09%
Weighted Average Interest Rate:   22.51%
Weighted Average Age of Portfolio:   7.8 mos
Number of Notes:   1,665
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: ameydhar on September 27, 2016, 12:04:36 AM
I have been following this thread for some time now, but this is my first time reporting back. I intend to be active in the coming months. I used the secondary market to trade a few notes.

Adjusted Net Annualized Return : 10.17%
Weighted Average Interest Rate : 16.88%
Weighted Average Age of Portfolio : 5.9 months
Number of Notes : 413

Grade
A (3.2%) B (11.3%) C (27.0%)
D (30.8%) E (18.1%) F (8.7%) G (0.8%)

Term
Payments  36 (35.1%) 60 (64.9%)

vs All Accounts:
95.06
vs Similar Age Accounts:
85.47
vs Similar Age and WAIR Accounts:
78.03
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: senatorkevin on September 27, 2016, 01:53:24 AM
You're pretty good at credit analysis :). If you don't mind me asking, what criterias are most important for a filter?  If you're more comfortable maybe send a DM?

For a filter? That would have to be income. There's a lot of little things that I kinda weigh when doing my manual review though. Sometimes what might come off as a negative might be a positive for me. If there's a enough interest, then maybe I'll create a separate thread to discuss how I went about things.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: ThinleyWangchuk on September 27, 2016, 03:15:02 AM
You're pretty good at credit analysis :). If you don't mind me asking, what criterias are most important for a filter?  If you're more comfortable maybe send a DM?

For a filter? That would have to be income. There's a lot of little things that I kinda weigh when doing my manual review though. Sometimes what might come off as a negative might be a positive for me. If there's a enough interest, then maybe I'll create a separate thread to discuss how I went about things.

Definitely!  Your thoughts on counterintuitive things sounds interesting.

*Sorry for going off topic @lascott
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jennrod12 on September 27, 2016, 07:08:16 PM
Also interested!  :)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: storm on October 01, 2016, 01:15:07 AM
3rd quarter update.  LC has really been charging off the loans.   :(

Combined ANAR:  10.00%
Weighted Average Interest Rate:   15.31%
Weighted Average Age of Portfolio:   30.1 mos
Number of Notes:   5,712

A(0.0%) B (2.4%) C(46.1%) D(25.4%) E(20.7%) F(4.1%) G(1.4%)
36(21.4%) 60(78.6%)

vs All Accounts:  94.09
vs Similar Age Accounts:  98.92
vs Similar Age and WAIR Accounts:  98.15

IRR:  10.18%
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on October 01, 2016, 11:56:37 AM
Thanks all. I'll update soon. Others please get your Sept numbers in.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: rubicon on October 01, 2016, 12:35:32 PM
Oct 1

https://www.lendingclub.com/account/summary.action
ANAR: 11.18% (combined return)
Number of notes: 18216

https://www.lendingclub.com/account/lenderBenchmarkReturns.action
Weighted Average Age of Portfolio: 15.0 months

https://www.lendingclub.com/account/lenderAccountDetail.action
Weighted Average Rate:15.64%
A: 0.9%
B: 7.5%
C: 42.5%
D: 33.5%
E: 12.3%
F: 3.0%
G:  0.4%

36: 87.5%
60: 12.5%
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Fred93 on October 01, 2016, 05:04:48 PM
Fred93 .. Oct 1 2016
Quote
List of data sources...
https://www.lendingclub.com/account/summary.action
https://www.lendingclub.com/account/lenderBenchmarkReturns.action
https://www.lendingclub.com/account/lenderAccountDetail.action
http://lc.geekminute.com/Home/ANARCompare

ANAR 8.57%
Notes 6287 of which 4355 are active
WAIR 13.77%
Age 13.1 mo

%ile of all 86.90%
%ile of similar age 95.37%
%ile of similar age & wair 95.67%

A 0%
B 21.3%
C 56.7%
D 16.9%
E 5.0%
F 0%
G 0%

36 mo 25.1%
60 mo 74.9%
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Lovinglifestyle on October 01, 2016, 08:39:46 PM
Combined ANAR 8.58%
Weighted Average Interest Rate:   17.79%
Weighted Average Age of Portfolio:   33.3 mos
Number of Notes:   6,186

Grade
A(1.5%) B (14.0%) C(17.7%) D(16.9%) E(35.3%) F(10.9%) G(3.6%)

Payments  36(43.3%) 60(56.7%)

vs All Accounts:
87.57
vs Similar Age Accounts:
0.00
vs Similar Age and WAIR Accounts:
0.00
© 2016 - Jon Heizer
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jennrod12 on October 02, 2016, 12:22:58 AM
Jennrod12 "buy and hold" account.  Slowly working my way up the ANAR Compare standings.

Adjusted Net Annualized Return:   6.02%
Weighted Average Interest Rate:   13.48%
Weighted Average Age of Portfolio:   11.4 mos
Number of Notes:   200
Active notes - 172

A(2.3%) B (25.1%) C(40.6%) D(22.2%) E(6.9%) F(2.9%) G(0.0%)
Payments  36(99.3%) 60(0.7%)

vs All Accounts: 44.20
vs Similar Age Accounts: 59.21
vs Similar Age and WAIR Accounts: 56.67
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: senatorkevin on October 03, 2016, 12:34:05 AM
Here's my updated chart and included holding stats which I omitted from my first post the other week.

(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2FpulovGO.png&hash=c40cf6f1ea73bdf7e9fe34ceb5c952d7)

A (0.1%) B (1.2%) C (7.5%)
D (40.7%) E (32.4%) F (12.6%) G (5.5%)

36 - 6.7% 60 - 93.3%

vs All Accounts:
    99.80
vs Similar Age Accounts:
    99.97
vs Similar Age and WAIR Accounts:
    100.00

Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Fred93 on October 03, 2016, 01:11:10 AM
I looked at my screen, and looked for the dot corresponding to SenatorKevin's result.  Just to the right of 21 months, and just north of 15%.  Problem is ... I don't see a dot there.  In all other respects, the chart on my screen looks just like his, dot for dot.  (I have turned off the check box that turns some dots red, because I have a different WAIR, so different dots would be red on my screen.)  Every dot is still there tho, they're just all blue.  Every account has a dot.  SenatorKevin's dot should be there.

Why is SenatorKevin's dot not here, just to the right of 21 months, just north of 15% ?
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Ffred93.com%2Ffbi%2FCapture-returnscatter.PNG&hash=95f386928d025dd96155147216c284a9)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: senatorkevin on October 03, 2016, 01:21:05 AM
I looked at my screen, and looked for the dot corresponding to SenatorKevin's result.  Just to the right of 21 months, and just north of 15%.  Problem is ... I don't see a dot there.  In all other respects, the chart on my screen looks just like his, dot for dot.  (I have turned off the check box that turns some dots red, because I have a different WAIR, so different dots would be red on my screen.)  Every dot is still there tho, they're just all blue.  Every account has a dot.  SenatorKevin's dot should be there.

Why is SenatorKevin's dot not here, just to the right of 21 months, just north of 15% ?

I'm sure someone at LC can answer that question better than me. Perhaps they throw out outliers in that chart to smooth out the chart?
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: storm on October 03, 2016, 03:35:44 AM
I'm sure someone at LC can answer that question better than me. Perhaps they throw out outliers in that chart to smooth out the chart?

Have you traded on Folio?  Anyone who has used Folio is not included on this chart.  In that case, your combined ANAR would be more indicative of your performance.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Fred93 on October 03, 2016, 03:43:37 AM
Anyone who has used Folio is not included on this chart.

That is a plausible explanation!
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jheizer on October 03, 2016, 08:04:47 AM
Yeah the chart is only people that have never used folio and so is the comparison tool since it pulls for that chart.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Lovinglifestyle on October 03, 2016, 11:35:51 AM
This note on "Understanding Your Returns" seems a little ambiguous to me.

"Note: You have purchased or sold Notes on the Folio Investing Note Trading Platform.2 This chart includes accounts that have purchased Notes exclusively on the Lending Club platform and excludes accounts that have transacted on the Note Trading Platform. It only reflects your return on Notes purchased on the Lending Club platform."

When I can get my dot to go back left of the 30 mos. line where it is visible, I understand the chart to reflect my remaining account at the current time, irrespective of sold notes, since I have not purchased on Folio.

Not that the whole thing matters much.  Keeping track by dollars and cents on a monthly basis keeps me honest.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Fudgenut on October 03, 2016, 12:38:24 PM
October 3, 2016

Fudgenut SEP IRA:
Adjusted Net Annualized Return:   10.15%
Weighted Average Interest Rate:   19.13%
Weighted Average Age of Portfolio:   24.0 mos
Number of Notes:   4,705

A(0.0%) B (0.0%) C(12.8%) D(49.1%) E(26.3%) F(9.7%) G(2.2%)
Payments  36(22.9%) 60(77.1%)

COMBINED
vs All Accounts:
95.36
vs Similar Age Accounts:
98.59
vs Similar Age and WAIR Accounts:
97.22


Fudgenut ROTH IRA:
Adjusted Net Annualized Return3 ?:   9.70%
Weighted Average Interest Rate:   19.20%
Weighted Average Age of Portfolio:   24.5 mos
Number of Notes:   3,843

A(0.0%) B (0.0%) C(13.9%) D(47.9%) E(25.8%) F(10.3%) G(2.1%)
Payments  36(22.1%) 60(77.9%)

FOLIO COMBINED
vs All Accounts:
93.67
vs Similar Age Accounts:
97.60
vs Similar Age and WAIR Accounts:
95.05


Fudgenut Taxable:

Adjusted Net Annualized Return3 ?:   9.05%
Weighted Average Interest Rate:   18.86%
Weighted Average Age of Portfolio:   20.3 mos
Number of Notes:   2,404

A(0.0%) B (0.0%) C(10.2%) D(53.6%) E(26.4%) F(8.5%) G(1.3%)
Payments  36(23.3%) 60(76.7%)

FOLIO COMBINED
vs All Accounts:
90.78
vs Similar Age Accounts:
97.10
vs Similar Age and WAIR Accounts:
93.75
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Edward Reid on October 03, 2016, 12:39:57 PM
2016-10-03

Adjusted Net Annualized Return:    10.06%
Weighted Average Interest Rate:    13.37%
Weighted Average Age of Portfolio:    10.5 mos
Number of Notes:    334

Grade
A (1.0%) B (4.3%) C (92.3%)
D (2.4%) E (0.0%) F (0.0%) G (0.0%)

Term
Payments  36 (4.1%) 60 (95.9%)

vs All Accounts:
    95.07
vs Similar Age Accounts:
    98.11
vs Similar Age and WAIR Accounts:
    98.61
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Rob L on October 03, 2016, 01:18:42 PM
Does anyone not have a blue dot on their chart?
I've sold about 1,350 notes, bought one note years ago, and I have a blue dot.

Working theory; all the dots but your own blue dot are accounts that have not traded on Folio.
Your personal blue dot is the ANAR of notes you purchased on the primary platform and have not sold on Folio.
I have a blue dot and its ANAR exactly matches the Primary ANAR on my account summary page.
On my account summary page I have a "Traded Notes" ANAR and a "Combined" ANAR.
The names of these speak for themselves.

If one pursued a strategy of selling all troubled notes on Folio before charge off their blue dot would be incredibly great.
However their Traded Notes ANAR would likely be hugely negative.
Their Combined returns ANAR possibly a reasonable measure of overall profitability.

On the other hand my account may not be representative since essentially all my Folio activity has been selling.
Working theory; just another name for WAG.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jennrod12 on October 03, 2016, 03:09:07 PM
I looked at my screen, and looked for the dot corresponding to SenatorKevin's result.  Just to the right of 21 months, and just north of 15%.  Problem is ... I don't see a dot there.  In all other respects, the chart on my screen looks just like his, dot for dot.  (I have turned off the check box that turns some dots red, because I have a different WAIR, so different dots would be red on my screen.)  Every dot is still there tho, they're just all blue.  Every account has a dot.  SenatorKevin's dot should be there.

Why is SenatorKevin's dot not here, just to the right of 21 months, just north of 15% ?
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Ffred93.com%2Ffbi%2FCapture-returnscatter.PNG&hash=95f386928d025dd96155147216c284a9)

I see higher dots (15%+) than are showing on your screen if I set the "Portfolio Concentration" box to "Any".  Did you try that?

Jenn
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Fred93 on October 03, 2016, 03:16:19 PM
I see higher dots (15%+) than are showing on your screen if I set the "Portfolio Concentration" box to "Any".  Did you try that?

I did try that.  Still doesn't produce a dot at senator's location.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jheizer on October 03, 2016, 03:18:28 PM
Last I checked there was like 51k dots.  Just to give an idea just how many are missing.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: senatorkevin on October 03, 2016, 03:29:48 PM
I'm sure someone at LC can answer that question better than me. Perhaps they throw out outliers in that chart to smooth out the chart?

Have you traded on Folio?  Anyone who has used Folio is not included on this chart.  In that case, your combined ANAR would be more indicative of your performance.

Yes I do. I use Folio to try and sell off past due notes. Never have bought any notes though.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Rob L on October 03, 2016, 03:30:51 PM
It clearly says below the chart: " Other accounts in the chart have not transacted in the Note Trading Platform".

He (she) has transacted, so why do you think you should see his (her) dot on your graph?
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on October 03, 2016, 06:49:53 PM
Here's my updated chart and included holding stats which I omitted from my first post the other week.

(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2FpulovGO.png&hash=c40cf6f1ea73bdf7e9fe34ceb5c952d7)

A (0.1%) B (1.2%) C (7.5%)
D (40.7%) E (32.4%) F (12.6%) G (5.5%)

36 - 6.7% 60 - 93.3%

vs All Accounts:
    99.80
vs Similar Age Accounts:
    99.97
vs Similar Age and WAIR Accounts:
    100.00
Can you provide your combined ANAR since it appears you trade on folio? Otherwise the comparison is not valid. Thanks.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Lovinglifestyle on October 03, 2016, 09:31:27 PM
Does anyone not have a blue dot on their chart?
I've sold about 1,350 notes, bought one note years ago, and I have a blue dot.

Working theory; all the dots but your own blue dot are accounts that have not traded on Folio.
Your personal blue dot is the ANAR of notes you purchased on the primary platform and have not sold on Folio.
I have a blue dot and its ANAR exactly matches the Primary ANAR on my account summary page.
On my account summary page I have a "Traded Notes" ANAR and a "Combined" ANAR.
The names of these speak for themselves.

If one pursued a strategy of selling all troubled notes on Folio before charge off their blue dot would be incredibly great.
However their Traded Notes ANAR would likely be hugely negative.
Their Combined returns ANAR possibly a reasonable measure of overall profitability.

On the other hand my account may not be representative since essentially all my Folio activity has been selling.
Working theory; just another name for WAG.

I have no blue dot on my chart because the months only go to 30 and my average age is 33.4.  Last month I noticed that after I bought only about 20 notes my average note age dropped down to 29.x and my blue dot came back.  It took me a while to figure out that cause and effect, duh.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Rob L on October 04, 2016, 09:46:36 AM
I have no blue dot on my chart because the months only go to 30 and my average age is 33.4.  Last month I noticed that after I bought only about 20 notes my average note age dropped down to 29.x and my blue dot came back.  It took me a while to figure out that cause and effect, duh.

Good point.

A better question would have been "Does anyone, whose Weighted Average Age of Notes in Portfolio is 30 months or less, have no blue dot"? This chart makes no distinction between 36 and 60 month term notes and there are probably quite a few portfolios aged more than 30 months. At least the current chart doesn't look like it is quickly running out of dots to plot at month 30. Personally I'd prefer two charts; one for 36 month term notes and another for 60 month notes (or better still a single chart with a user select filter for 36 only, 60 only or both). Mixing them together ad-hoc leads to the proverbial apples-to-oranges comparison and greatly diminishes its value.

Hey senatorkevin; would you post your Primary, Traded Notes, and Combined ANAR's from your summary page?
Might help clear up things for us.  TIA!
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on October 04, 2016, 11:35:58 AM
** headed out of town for a few days -- hope I got the updates right -- need to finish packing or dear wife will not be happy with me :) **

If you buy/sell notes then you need to provide the Combined ANAR otherwise your data is 'bogus' and is not really comparable. Note that it is combined.

I can drop some older non-updaters off but new folks needs to provide screen shots and Combined ANAR if they buy/sell. Not adding people that want to see themselves way higher than average/realistic. Only want to add mature accounts tho and folks that will contribute *at*least* quarterly.  Accounts should probably be 8ish months for weighted average age ... otherwise data is higher than average/realistic. Idea is to have some more realistic (given comparable data we all have from the site asis).  Hope that makes some sense. We need to keep it real. Sorry for my bluntness.

Sept (vs August)
Image: http://i.imgur.com/rm3p9VO.png
Image: http://i.imgur.com/0Fidjei.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: BruiserB on October 04, 2016, 02:18:39 PM
My Updates:

In May I stopped all reinvestment on my Standard Account for about 2 months and withdrew cash to invest elsewhere.  I resumed investing in July but changed to a much more conservative mix as I can't make use of all of the capital losses I've been racking up with defaults.  In fact, in September, my defaults were equal to 81% of the interest I earned on the account.  I'm hoping to start seeing a decrease in defaults soon, although there seems to be a healthy queue of late notes marching toward default at the moment.  :-( 

Going forward my Standard Account is reinvesting using the BluePicks Moderate tool from BlueVestment.  My IRA is using NSRPlatform's NSR Aggressive tool.  We'll see how that goes for a while.

I'm still around, but not as excited about LC as I used to be.  Have less time to fully track it as well these days, so have moved to fully automated investing in a "set it and forget it" fashion.

Measure         Standard Account                 IRA Account
ANAR             8.31                                      7.48
WAIR             17.75                                    19.20
WAAoP          25.2                                      17.5
#Notes           13,125                                  1,822
WAIR-ANAR   9.44                                      11.72
A                    3.5                                        0.0
B                    13.6                                        0.2
C                    15.6                                        20.1
D                    20.8                                      30.0
E                    25.9                                       28.5
F                     17.2                                       18.6
G                    3.4                                         2.7
36                  38.2                                        33.8
60                  61.8                                       66.2
Q                    85.78                                     75.36
R                    92.39                                     88.32
S                    86.28                                     80.71
                      No Folio                                  No Folio

2016 XIRR      5.85                                      4.12
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: dr.everett on October 04, 2016, 09:53:41 PM
Updates for my accounts attached
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: rawraw on October 05, 2016, 07:01:34 AM
ANAR: 8.42
Primary ANAR: 7.56
Secondary ANAR: 10.41

From Portfolio detail page:
Weighted Average Rate   14.17%

From Scatter Plot:
Adjusted Net Annualized Return3 ?:   7.56%
Weighted Average Interest Rate:   14.43%
Weighted Average Age of Portfolio:   20.8 mos

A(9.1%) B (26.5%) C(25.5%) D(14.7%) E(12.5%) F(9.6%) G(2.1%)

60 Month (60.1%)

My Notes at-a-Glance 3896
Not Yet Issued ?9
Issued & Current ?2,221
In Grace Period ?26
Fully Paid ?1,336
Late 16 - 30 Days ?15
Late 31 - 120 Days ?88
Default ?4
Charged Off ?197
Number of Notes:   3,242
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on October 12, 2016, 01:10:51 AM
Updated the 3 folks above (5 accounts)

Sept (vs August)
Image: http://i.imgur.com/pq3ljLm.png
Image: http://i.imgur.com/ovzWBuX.png
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2Fpq3ljLm.png&hash=e8c3fafd8ac529f19238e329e3485e80)
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2FovzWBuX.png&hash=7f1aaa4efd0a1dd0aeab953fe33a5f4b)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Paulie2083 on October 18, 2016, 05:38:29 PM
here's mine, still pretty early.

Adjusted Net Annualized Return: 14.44%
Weighted Average Interest Rate: 19.12%
Weighted Average Age of Portfolio: 3.7 mos
Number of Notes:   672

Grade:
C(2.5%) D(54.8%) E(42.6%)
Term:
36(43.1%) 60(56.9%)

vs All Accounts:
99.30
vs Similar Age Accounts:
94.59
vs Similar Age and WAIR Accounts:
77.02
Sorry but I am not adding brand new entries for very young accounts. (you also only have 1 post on the forum) Need to have mature accounts with ongoing info. Also you would have to agree to monthly or atleast always do quarterly updates. The list is large and hard to mange as well as cut-n-paste.

thats fine, i'll keep contributing.

Adjusted Net Annualized Return3 ?:   15.10%
Weighted Average Interest Rate:   19.19%
Weighted Average Age of Portfolio:   4.7 mos
Number of Notes:   727


vs All Accounts:
99.60
vs Similar Age Accounts:
98.07
vs Similar Age and WAIR Accounts:
92.79

new month

Adjusted Net Annualized Return3 ?:   14.04%
Weighted Average Interest Rate:   19.27%
Weighted Average Age of Portfolio:   5.3 mos
Number of Notes:   814

vs All Accounts:
99.42
vs Similar Age Accounts:
98.01
vs Similar Age and WAIR Accounts:
93.03
October

Adjusted Net Annualized Return3 ?:   12.71%
Weighted Average Interest Rate:   19.35%
Weighted Average Age of Portfolio:   5.7 mos
Number of Notes:   901

vs All Accounts:
99.12
vs Similar Age Accounts:
97.19
vs Similar Age and WAIR Accounts:
92.18

got hit with quite a bit of defaults this month now that my notes are becoming more seasoned
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Edward Reid on October 31, 2016, 07:48:56 PM
2016-11-01

Adjusted Net Annualized Return:    9.94%
Weighted Average Interest Rate:    13.39%
Weighted Average Age of Portfolio:    11.2 mos
Number of Notes:    340

Grade
A (0.9%) B (4.2%) C (92.5%)
D (2.4%) E (0.0%) F (0.0%) G (0.0%)

Term
Payments  36 (4.0%) 60 (96.0%)

vs All Accounts:
    95.53
vs Similar Age Accounts:
    98.75
vs Similar Age and WAIR Accounts:
    99.35
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on November 01, 2016, 11:38:16 AM
October

Adjusted Net Annualized Return3 ?:   12.71%
Weighted Average Interest Rate:   19.35%
Weighted Average Age of Portfolio:   5.7 mos
Number of Notes:   901

vs All Accounts:
99.12
vs Similar Age Accounts:
97.19
vs Similar Age and WAIR Accounts:
92.18

got hit with quite a bit of defaults this month now that my notes are becoming more seasoned
Please add grades and I'll add you this month since you've been consistent and will hit 6 mo avg age next month.

Grade
A (x.x%) B (x.x%) C (xx.x%)
D (x.x%) E (x.x%) F (x.x%) G (x.x%)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Lovinglifestyle on November 01, 2016, 01:25:01 PM
Updates:  (Thank you!)

Combined ANAR:  8.41
Adjusted Net Annualized Return3 ?:   14.53%
Weighted Average Interest Rate:   17.91%
Weighted Average Age of Portfolio:   36.0 mos
Number of Notes:   5,692

Composition ** ( $ )
Term|Grade
A(0.4%) B (13.0%) C(16.8%) D(17.2%) E(37.1%) F(11.8%) G(3.7%)

Composition ** ( $ )
Term|Grade
Payments  36(39.5%) 60(60.5%)

Your Portfolio

vs All Accounts:
89.05
vs Similar Age Accounts:
0.00
vs Similar Age and WAIR Accounts:
0.00
© 2016 - Jon Heizer

Note:  Active notes are now down to 1682 due to sales.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: rubicon on November 01, 2016, 04:22:18 PM
Nov 1

https://www.lendingclub.com/account/summary.action
ANAR: 10.98% (combined return)
Number of notes: 19848

https://www.lendingclub.com/account/lenderBenchmarkReturns.action
Weighted Average Age of Portfolio: 16.0 months

https://www.lendingclub.com/account/lenderAccountDetail.action
Weighted Average Rate:15.67%
A: 0.7%
B: 6.8%
C: 42.7%
D: 33.4%
E: 12.7%
F: 3.2%
G:  0.5%

36: 88.4%
60: 11.6%
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on November 02, 2016, 10:46:04 AM
I'm leaving on another trip soon. Will do updates tomorrow (Thu) afternoon/evening.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Fudgenut on November 02, 2016, 03:12:05 PM
November 2, 2016

Fudgenut SEP IRA:
Adjusted Net Annualized Return:   9.91%
Weighted Average Interest Rate:   19.12%
Weighted Average Age of Portfolio:   24.5 mos
Number of Notes:   4,817

A(0.0%) B (0.0%) C(13.4%) D(49.1%) E(25.9%) F(9.5%) G(2.1%)
Payments  36(24.2%) 60(75.8%)

COMBINED
vs All Accounts:
96.01
vs Similar Age Accounts:
98.64
vs Similar Age and WAIR Accounts:
96.59


Fudgenut ROTH IRA:
Adjusted Net Annualized Return3 ?:   9.34%
Weighted Average Interest Rate:   19.20%
Weighted Average Age of Portfolio:   25.2 mos
Number of Notes:   3,894

A(0.0%) B (0.0%) C(15.3%) D(47.4%) E(25.2%) F(10.0%) G(2.1%)
Payments  36(22.5%) 60(77.5%)

FOLIO COMBINED
vs All Accounts:
94.17
vs Similar Age Accounts:
97.64
vs Similar Age and WAIR Accounts:
96.05


Fudgenut Taxable:

Adjusted Net Annualized Return3 ?:   9.00%
Weighted Average Interest Rate:   18.86%
Weighted Average Age of Portfolio:   21.3 mos
Number of Notes:   2,404

A(0.0%) B (0.0%) C(10.0%) D(53.6%) E(26.5%) F(8.6%) G(1.3%)
Payments  36(23.1%) 60(76.9%)

FOLIO COMBINED
vs All Accounts:
92.46
vs Similar Age Accounts:
97.41
vs Similar Age and WAIR Accounts:
95.87
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on November 04, 2016, 11:44:41 AM
Oct (vs Sept)
Image: http://i.imgur.com/tWWGNvA.png
Image: http://i.imgur.com/pEx5fY6.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jennrod12 on November 05, 2016, 11:33:10 PM
I apologize for the late report - it was a tough week.

Jennrod12 "Buy & Hold" taxable account, 11/5:

Adjusted Net Annualized Return3 ?:   5.01%
Weighted Average Interest Rate:   13.48%
Weighted Average Age of Portfolio:   12.5 mos
Number of Notes:   200
Active Notes:168

A(2.3%) B (25.3%) C(41.0%) D(21.4%) E(7.1%) F(2.9%) G(0.0%)
Payments  36(99.3%) 60(0.7%)

vs All Accounts:
26.35
vs Similar Age Accounts:
41.48
vs Similar Age and WAIR Accounts:
41.02

Thanks,  Jenn
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Paulie2083 on November 16, 2016, 03:36:56 PM
here's mine, still pretty early.

Adjusted Net Annualized Return: 14.44%
Weighted Average Interest Rate: 19.12%
Weighted Average Age of Portfolio: 3.7 mos
Number of Notes:   672

Grade:
C(2.5%) D(54.8%) E(42.6%)
Term:
36(43.1%) 60(56.9%)

vs All Accounts:
99.30
vs Similar Age Accounts:
94.59
vs Similar Age and WAIR Accounts:
77.02
Sorry but I am not adding brand new entries for very young accounts. (you also only have 1 post on the forum) Need to have mature accounts with ongoing info. Also you would have to agree to monthly or atleast always do quarterly updates. The list is large and hard to mange as well as cut-n-paste.

thats fine, i'll keep contributing.

Adjusted Net Annualized Return3 ?:   15.10%
Weighted Average Interest Rate:   19.19%
Weighted Average Age of Portfolio:   4.7 mos
Number of Notes:   727


vs All Accounts:
99.60
vs Similar Age Accounts:
98.07
vs Similar Age and WAIR Accounts:
92.79

new month

Adjusted Net Annualized Return3 ?:   14.04%
Weighted Average Interest Rate:   19.27%
Weighted Average Age of Portfolio:   5.3 mos
Number of Notes:   814

vs All Accounts:
99.42
vs Similar Age Accounts:
98.01
vs Similar Age and WAIR Accounts:
93.03
October

Adjusted Net Annualized Return3 ?:   12.71%
Weighted Average Interest Rate:   19.35%
Weighted Average Age of Portfolio:   5.7 mos
Number of Notes:   901

vs All Accounts:
99.12
vs Similar Age Accounts:
97.19
vs Similar Age and WAIR Accounts:
92.18

got hit with quite a bit of defaults this month now that my notes are becoming more seasoned
November

Adjusted Net Annualized Return3 ?:   12.21%
Weighted Average Interest Rate:   19.39%
Weighted Average Age of Portfolio:   6.2 mos
Number of Notes:   959

A (0.0%) B (0.0%) C(1.7%) D(61.2%) E(37.2%) F(0.0%) G(0.0%)
Payments  36(46.5%) 60(53.5%)

vs All Accounts:
98.96
vs Similar Age Accounts:
97.42
vs Similar Age and WAIR Accounts:
91.41

Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on November 30, 2016, 03:01:14 PM
Added: Paulie2083, Updated: jennrod12, Removed/Hide: Simon (lendingmemo who seem to disappear from the P2P scene)

Gets your Nov updates in for the comparison to Oct. Will do that update in a few days after they get posted.

Oct (vs Sept)
Image: http://i.imgur.com/H9RJBpT.png
Image: http://i.imgur.com/5rlJyFj.png
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2FH9RJBpT.png&hash=577e3751ce1d2400cedef533f5f5be5f)
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2F5rlJyFj.png&hash=0317adc0e3bec2cf9660e465dc439b2c)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: rubicon on December 01, 2016, 01:13:59 AM
Dec 1

https://www.lendingclub.com/account/summary.action
ANAR: 10.62% (combined return)
Number of notes: 23027

https://www.lendingclub.com/account/lenderBenchmarkReturns.action
Weighted Average Age of Portfolio: 17.0 months

https://www.lendingclub.com/account/lenderAccountDetail.action
Weighted Average Rate:15.83%
A: 0.5%
B: 6.5%
C: 40.4%
D: 34.1%
E: 14.0%
F: 4.0%
G:  0.6%

36: 87.5%
60: 12.5%
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: storm on December 01, 2016, 01:50:21 AM
Combined ANAR: 9.80%
WAIR:  15.30%
Weighted Average Age of Portfolio:   31.0 mos
Number of Notes:   5,746

A(0.0%) B (2.6%) C(47.3%) D(24.9%) E(19.8%) F(4.1%) G(1.3%)
36(23.7%) 60(76.3%)

vs All Accounts:  95.44
vs Similar Age Accounts:  0.00
vs Similar Age and WAIR Accounts:  0.00

XIRR:  10.05%
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Edward Reid on December 01, 2016, 03:18:34 AM
2016-12-01

Adjusted Net Annualized Return:    9.22%
Weighted Average Interest Rate:    13.54%
Weighted Average Age of Portfolio:    11.2 mos
Number of Notes:    368

Grade
A (0.8%) B (3.7%) C (92.9%)
D (2.6%) E (0.0%) F (0.0%) G (0.0%)

Term
Payments  36 (14.2%) 60 (85.8%)

vs All Accounts:
    93.90
vs Similar Age Accounts:
    97.53
vs Similar Age and WAIR Accounts:
    98.07
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: rawraw on December 01, 2016, 05:05:12 AM
A(10.1%) B (26.3%) C(24.7%) D(14.4%) E(13.2%) F(9.3%) G(2.0%)
Payments  36(36.6%) 60(63.4%)
Weighted Average Rate   14.08%
Weighted Average Age of Portfolio:   22.8 mos
Number of Notes:   2,873
Adjusted Net Annualized Return 8.23%
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Lovinglifestyle on December 02, 2016, 07:39:54 PM

Adjusted Net Annualized Return3 ?:   14.38%
Weighted Average Interest Rate:   17.93%
Weighted Average Age of Portfolio:   37.4 mos
Number of Notes:   5,563

Combined Return
Adjusted Net Annualized Return 8.37%

A(0.4%) B (12.9%) C(16.8%) D(16.4%) E(38.5%) F(10.9%) G(4.1%)
Payments  36(39.8%) 60(60.2%)

Status   
Not Yet Issued (24)   
Issued & Current (1,479)
In Grace Period† (7)   
Late 16 - 30 days† (0)   
Late 31 - 120 days† (0)   
Fully Paid* (3,756)   
Default (0)
Charged Off* (297)


ANAR (combined) Compare:
vs All Accounts:
89.24
vs Similar Age Accounts:
0.00
vs Similar Age and WAIR Accounts:
0.00








Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: 3rd quarter on December 02, 2016, 11:54:14 PM
Hi,
I don't talk your language but if anyone can tell me how my notes are doing.. most appreciated.

I am a grandmother and don't quite understand any of this.
thank you
Title: Re: What does your &quot;Understanding Your Returns&quot; page look like? Here's mine
Post by: rawraw on December 03, 2016, 12:57:51 AM
Hi,
I don't talk your language but if anyone can tell me how my notes are doing.. most appreciated.

I am a grandmother and don't quite understand any of this.
thank you
For a grandmother, I think your investing too low on the risk spectrum unless you are purposefully seeking high risk. But if you are using it as a fixed income proxy and using the cash flow, seems like it'll be more volatile than you'd want

Sent from my SAMSUNG-SM-G935A using Tapatalk

Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Fudgenut on December 03, 2016, 08:49:26 PM
December 3, 2016

Fudgenut SEP IRA:
Adjusted Net Annualized Return:   9.69%
Weighted Average Interest Rate:   19.04%
Weighted Average Age of Portfolio:   24.9 mos
Number of Notes:   4,977

A(0.0%) B (0.0%) C(15.7%) D(48.2%) E(25.2%) F(8.8%) G(2.1%)
Payments  36(27.9%) 60(72.1%)

COMBINED
vs All Accounts:
95.55
vs Similar Age Accounts:
98.52
vs Similar Age and WAIR Accounts:
97.16


Fudgenut ROTH IRA:
Adjusted Net Annualized Return3 ?:   9.11%
Weighted Average Interest Rate:   19.13%
Weighted Average Age of Portfolio:   25.6 mos
Number of Notes:   4,002

A(0.0%) B (0.0%) C(17.1%) D(46.8%) E(24.6%) F(9.4%) G(2.0%)
Payments  36(25.8%) 60(74.2%)

FOLIO COMBINED
vs All Accounts:
94.06
vs Similar Age Accounts:
97.89
vs Similar Age and WAIR Accounts:
97.81


Fudgenut Taxable:

Adjusted Net Annualized Return3 ?:   8.58%
Weighted Average Interest Rate:   18.86%
Weighted Average Age of Portfolio:   22.4 mos
Number of Notes:   2,404

A(0.0%) B (0.0%) C(10.0%) D(53.6%) E(26.7%) F(8.4%) G(1.3%)
Payments  36(22.8%) 60(77.2%)

FOLIO COMBINED
vs All Accounts:
91.27
vs Similar Age Accounts:
95.78
vs Similar Age and WAIR Accounts:
92.15
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jennrod12 on December 04, 2016, 01:37:12 PM
Jennrod12 "buy & hold" account:

Adjusted Net Annualized Return:   4.74%
Weighted Average Interest Rate:   13.48%
Weighted Average Age of Portfolio:   13.5 mos
Number of Notes:   200
Active notes: 165

A(2.3%) B (24.9%) C(40.8%) D(21.8%) E(7.2%) F(3.0%) G(0.0%)
Payments  36(99.3%) 60(0.7%)

vs All Accounts: 26.58
vs Similar Age Accounts: 42.95
vs Similar Age and WAIR Accounts: 43.81

Thanks!
Jenn
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: ameydhar on December 05, 2016, 02:00:30 AM
This is my first time reporting after crossing the 6-month average age of my portfolio. I intend to report my returns every month from now on.

Taxable Account:

Adjusted Net Annualized Return:   9.18%
Weighted Average Interest Rate:   17.06%
Weighted Average Age of Portfolio:   7.8 mos
Number of Notes:   448

Grade: A(2.9%) B (10.2%) C(26.1%) D(33.5%) E(18.7%) F(7.9%) G(0.8%)
Term: 36(38%) 60(62%)

vs All Accounts: 94.15
vs Similar Age Accounts: 90.77
vs Similar Age and WAIR Accounts: 87.25
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on December 06, 2016, 05:02:24 PM
Nov (vs Oct)
Image: http://i.imgur.com/JAQ98Jb.png
Image: http://i.imgur.com/by95kVM.png
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2FJAQ98Jb.png&hash=06696219343eeaadf5d9fff5064350e4)
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2Fby95kVM.png&hash=429ada329447ef53102ebe26b14810ce)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on December 06, 2016, 05:04:30 PM
This is my first time reporting after crossing the 6-month average age of my portfolio. I intend to report my returns every month from now on.
Taxable Account:
Adjusted Net Annualized Return:   9.18%
Weighted Average Interest Rate:   17.06%
Weighted Average Age of Portfolio:   7.8 mos
Number of Notes:   448
Grade: A(2.9%) B (10.2%) C(26.1%) D(33.5%) E(18.7%) F(7.9%) G(0.8%)
Term: 36(38%) 60(62%)
vs All Accounts: 94.15
vs Similar Age Accounts: 90.77
vs Similar Age and WAIR Accounts: 87.25
I added you. In your next months update please:
a) provide a screenshot of your data which everyone did initially to show/verify
b) provided your Combined ANAR since in your Sept post you stated that you used the secondary market.
Thx
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: ThinleyWangchuk on December 07, 2016, 02:04:07 AM
Hi,
I don't talk your language but if anyone can tell me how my notes are doing.. most appreciated.

I am a grandmother and don't quite understand any of this.
thank you

I think you're doing okay.  Just be careful as I would expect the yield of your portfolio to decline to ~5% in a few months/year.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: michael49 on December 09, 2016, 09:22:38 PM
Been a while, sorry.  I have been trying to keep things simple by investing with Bluepicks aggressive filter, but my ANAR has fallen - not sure if its due to this or the LC fallout over the past 6 months though....

Anyone else here investing with Bluepicks (through Bluevestment) ? 

Your Notes purchased on the Lending Club platform
Adjusted Net Annualized Return:   7.67%
Weighted Average Interest Rate:   16.99%
Weighted Average Age of Portfolio:   12.9 mos
Number of Notes: 1300

A(0.0%) B (3.1%) C(27.3%) D(41.7%) E(19.4%) F(7.5%) G(1.1%)
Payments  36(55.5%) 60(44.5%)

vs All Accounts: 83.68
vs Similar Age Accounts: 93.16
vs Similar Age and WAIR Accounts: 92.51
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: dr.everett on December 16, 2016, 10:16:32 PM
Updated stats for my accounts- let me know if I missed anything?
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: rubicon on December 30, 2016, 09:29:18 PM
Dec 30

https://www.lendingclub.com/account/summary.action
ANAR: 10.45% (combined return)
Number of notes: 24636

https://www.lendingclub.com/account/lenderBenchmarkReturns.action
Weighted Average Age of Portfolio: 18.0 months

https://www.lendingclub.com/account/lenderAccountDetail.action
Weighted Average Rate:16.01%
A: 0.4%
B: 4.2%
C: 39.4%
D: 35.8%
E: 15.2%
F: 4.3%
G:  0.6%

36: 86.9%
60: 13.1%
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: storm on December 30, 2016, 10:35:07 PM
Combined ANAR:  9.75
Weighted Average Interest Rate:   15.21%
Weighted Average Age of Portfolio:   30.8 mos
Number of Notes:   6,171

A(0.0%) B (6.5%) C(46.2%) D(24.0%) E(18.2%) F(3.9%) G(1.2%)
36(30.4%) 60(69.6%)

vs All Accounts:  95.92
vs Similar Age Accounts:  96.94
vs Similar Age and WAIR Accounts: 88.57

XIRR:  10.07%
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: twigster on December 30, 2016, 10:47:00 PM
twigster ROTH:
Your Notes purchased on the Lending Club platform
Adjusted Net Annualized Return:   8.17%
Weighted Average Interest Rate:   14.11%
Weighted Average Age of Portfolio:   18.5 mos
Number of Notes: 2,799

A(4.3%) B (4.6%) C(55.3%) D(26.2%) E(9.3%) F(0.3%) G(0.1%)
Payments  36(29.9%) 60(70.1%)

vs All Accounts: 89.37
vs Similar Age Accounts: 96.92
vs Similar Age and WAIR Accounts: 95.67
_______________________________________

twigster:
Your Notes purchased on the Lending Club platform
Adjusted Net Annualized Return:   8.95%
Weighted Average Interest Rate:   14.13%
Weighted Average Age of Portfolio:   25.3 mos
Number of Notes: 1,066

A(3.1%) B (10.2%) C(48.0%) D(38.6%) E(0.1%) F(0.0%) G(0.0%)
Payments  36(39.2%) 60(60.8%)

vs All Accounts: 93.55
vs Similar Age Accounts: 97.22
vs Similar Age and WAIR Accounts: 97.44

_____________________________________
notes;  I have become somewhat disenchanted with the loan returns in the last 6 months as it seems that charge offs are too high in a non recession period.  Beginning in early December 2016 I decided to only purchase A notes (A2 through A5 as A1 interest rate is much lower, A2 = 6.99%, A5 = 7.99%) as an experiment.  Will see if paid in fulls go down (it should because no incentive to churn the loans) and stability of returns go up (at a much lower level).  Should be able to tell something in about 12 months.  Note on ROTH account: by re-investing all payments in A notes went from 0% to 4.3% in just under a month. 
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on December 30, 2016, 10:53:41 PM
Thanks all. I should get this updated in a few days. Hoping to get more updates so I don't have to do it more than a couple times.

notes; I have become somewhat disenchanted with the loan returns in the last 6 months as it seems that charge offs are too high in a non recession period. Beginning in early December 2016 I decided to only purchase A notes (A2 through A5 as A1 interest rate is much lower, A2 = 6.99%, A5 = 7.99%) as an experiment.  Will see if paid in fulls go down (it should because no incentive to churn the loans) and stability of returns go up (at a much lower level).  Should be able to tell something in about 12 months.  Note on ROTH account: by re-investing all payments in A notes went from 0% to 4.3% in just under a month.
I can relate to this and have gotten even more conservative than I was.  As well thinking my taxes I think I'll certainly be over $3000 in losses.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jpildis on December 31, 2016, 10:40:53 AM
Every time I see this, I say, "I should really send in my results."  As we close out a truly sh*tty year for returns, here's my latest:

Your Notes purchased on the Lending Club platform
Adjusted Net Annualized Return3 ?:   10.60%
Weighted Average Interest Rate:   20.98%
Weighted Average Age of Portfolio:   20.5 mos
Number of Notes:   1,490

My combined ANAR w/ trading is reported at 10.71%

XIRR = 10.3%

60 month:95% - 36 month: 5%

A - 0
B - 0
C - 0.1%
D - 24.7%
E - 46.9%
F - 24.3%
G - 4.0%

Purchased vs Originated: 52% / 48%
One more tidbit... my trailing 12 month return is 3%
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Lovinglifestyle on December 31, 2016, 12:59:29 PM
Combined Return
Adjusted Net Annualized Return 8.39%

Your Notes purchased on the Lending Club platform
Adjusted Net Annualized Return3 ?:   14.34%
Weighted Average Interest Rate:           18.27%
Weighted Average Age of Portfolio:   37.4 mos
Number of Notes:   5,668

A (0.4%) B (11.0%) C(14.3%) D(14.2%) E(36.8%) F(17.3%) G(6.0%)                                 

36(37.5%) 60(62.5%

vs All Accounts:
90.14
vs Similar Age Accounts:
0.00
vs Similar Age and WAIR Accounts:
0.00


Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: SLCPaladin on December 31, 2016, 02:49:04 PM
I've watched this thread and figured it's time to move from spectator to contributor. I intend to report my returns every month from now on.

Taxable Account:

Adjusted Net Annualized Return:   7.61%
Weighted Average Interest Rate:   14.41%
Weighted Average Age of Portfolio:   22.5 mos
Number of Notes:   6054

Grade: A(11.2%) B (26.7%) C(24.0%) D(18.4%) E(16.5%) F(2.6%) G(0.5%)
Term: 36(37.7%) 60(62.3%)

I don't buy or sell on Folio.

vs All Accounts: 84.75
vs Similar Age Accounts: 91.28
vs Similar Age and WAIR Accounts: 91.45
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi1380.photobucket.com%2Falbums%2Fah167%2FJessica_Scott_Larsen%2FReturns_zps6v9btvzi.png&hash=d6acfb9e99a1dcc1f2856ae097cf43c1) (http://s1380.photobucket.com/user/Jessica_Scott_Larsen/media/Returns_zps6v9btvzi.png.html)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Rob L on December 31, 2016, 03:33:14 PM
30 Dec 2016

Combined Returns
Adjusted Net Annualized Return:            7.83%

Weighted Average Interest Rate:           17.49%
Weighted Average Age of Portfolio:        27.4 mos
Number of Notes:                                 9306

A (0.3%) B (0.6%) C(1.8%) D(64.7%) E(31.9%) F(0.7%) G(0.0%)                                 

Term 36(100%) 60(0%)

vs All Accounts: 86.56
vs Similar Age Accounts: 90.62
vs Similar Age and WAIR Accounts: 84.65

Happy New Year All!!
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jennrod12 on December 31, 2016, 03:37:11 PM
Here is my latest:  Jennrod12 "Buy & Hold" account, no folio

Adjusted Net Annualized Return ?:   4.62%
Weighted Average Interest Rate:   13.48%
Weighted Average Age of Portfolio:   14.4 mos
Number of Notes:   200
Number of Active notes: 162

A(2.3%) B (24.1%) C(41.1%) D(22.2%) E(7.4%) F(3.0%) G(0.0%)
Payments  36(99.2%) 60(0.8%)

vs All Accounts:  27.69
vs Similar Age Accounts:  43.66
vs Similar Age and WAIR Accounts:  45.95

Thank you, and Happy New Year!

Jenn
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jz451 on December 31, 2016, 05:36:15 PM
It is about time I finally posted my returns after starting nine months ago, so here we go. All but one note is from folio after accidently not turning off a LendingRobot filter.

Combined ANAR:   10.11%
Weighted Average Interest Rate:   23.2%
Weighted Average Age of Portfolio:   25.22 mos  <<<<calculated from my excel returns file due to being combined.
Number of Notes:   101 (93 active)

Grade: A(0%) B (0%) C(0%) D(7.2%) E(36.2%) F(31.6%) G(24.9%)
Term: 36(1.9%) 60(98.1%)


vs All Accounts: 96.48
vs Similar Age Accounts: 99.28
vs Similar Age and WAIR Accounts: 100.00

Proof photos are attached below.   


Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Edward Reid on December 31, 2016, 08:52:37 PM
2017-01-01

Adjusted Net Annualized Return:    8.58%
Weighted Average Interest Rate:    13.58%
Weighted Average Age of Portfolio:    11.5 mos
Number of Notes:    377

Grade
A (0.8%) B (3.5%) C (93.1%)
D (2.5%) E (0.0%) F (0.0%) G (0.0%)

Term
Payments  36 (18.1%) 60 (81.9%)

vs All Accounts:
    91.31
vs Similar Age Accounts:
    95.92
vs Similar Age and WAIR Accounts:
    96.23
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Paulie2083 on January 02, 2017, 02:10:41 PM
here's mine, still pretty early.

Adjusted Net Annualized Return: 14.44%
Weighted Average Interest Rate: 19.12%
Weighted Average Age of Portfolio: 3.7 mos
Number of Notes:   672

Grade:
C(2.5%) D(54.8%) E(42.6%)
Term:
36(43.1%) 60(56.9%)

vs All Accounts:
99.30
vs Similar Age Accounts:
94.59
vs Similar Age and WAIR Accounts:
77.02
Sorry but I am not adding brand new entries for very young accounts. (you also only have 1 post on the forum) Need to have mature accounts with ongoing info. Also you would have to agree to monthly or atleast always do quarterly updates. The list is large and hard to mange as well as cut-n-paste.

thats fine, i'll keep contributing.

Adjusted Net Annualized Return3 ?:   15.10%
Weighted Average Interest Rate:   19.19%
Weighted Average Age of Portfolio:   4.7 mos
Number of Notes:   727


vs All Accounts:
99.60
vs Similar Age Accounts:
98.07
vs Similar Age and WAIR Accounts:
92.79

new month

Adjusted Net Annualized Return3 ?:   14.04%
Weighted Average Interest Rate:   19.27%
Weighted Average Age of Portfolio:   5.3 mos
Number of Notes:   814

vs All Accounts:
99.42
vs Similar Age Accounts:
98.01
vs Similar Age and WAIR Accounts:
93.03
October

Adjusted Net Annualized Return3 ?:   12.71%
Weighted Average Interest Rate:   19.35%
Weighted Average Age of Portfolio:   5.7 mos
Number of Notes:   901

vs All Accounts:
99.12
vs Similar Age Accounts:
97.19
vs Similar Age and WAIR Accounts:
92.18

got hit with quite a bit of defaults this month now that my notes are becoming more seasoned
November

Adjusted Net Annualized Return3 ?:   12.21%
Weighted Average Interest Rate:   19.39%
Weighted Average Age of Portfolio:   6.2 mos
Number of Notes:   959

A (0.0%) B (0.0%) C(1.7%) D(61.2%) E(37.2%) F(0.0%) G(0.0%)
Payments  36(46.5%) 60(53.5%)

vs All Accounts:
98.96
vs Similar Age Accounts:
97.42
vs Similar Age and WAIR Accounts:
91.41
December Update

Adjusted Net Annualized Return:   10.99%
Weighted Average Interest Rate:   19.46%
Weighted Average Age of Portfolio:   7.0 mos
Number of Notes:   1,076

A(0.0%) B (0.0%) C(1.5%) D(63.1%) E(35.4%) F(0.0%) G(0.0%)

vs All Accounts:
97.81
vs Similar Age Accounts:
96.91
vs Similar Age and WAIR Accounts:
91.14

i have 25  notes 31+ days late so i'm expecting to take quite the hit in the upcoming months. up to 14 charged off loans now.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jheizer on January 02, 2017, 04:21:24 PM
My update: https://docs.google.com/spreadsheets/d/1vIWsPi5fb3YTo_H3aOnIppxyypQkBZW90HpBcLXLjVo/edit?usp=sharing
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: JohnnyP on January 03, 2017, 07:40:16 PM
Where do you get you ranking versus other accounts like this:

vs All Accounts:
    91.31
vs Similar Age Accounts:
    95.92
vs Similar Age and WAIR Accounts:
    96.23

I do not see it on my "Understanding Your Returns" page.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jheizer on January 03, 2017, 07:41:01 PM
See my signature.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: BruiserB on January 04, 2017, 05:42:23 PM
My Updates:

Measure         Standard Account                 IRA Account
ANAR             7.81                                      6.44
WAIR             17.61                                    19.24
WAAoP          27.6                                      19.1
#Notes           13,453                                  1,997
WAIR-ANAR   9.80                                      12.80
A                    4.0                                        0.0
B                    14.5                                       0.2
C                    16.9                                       21.3
D                    19.5                                      29.6
E                    24.9                                       29.5
F                     16.9                                       17.3
G                    3.3                                         2.2
36                  39.0                                        29.1
60                  61.0                                       70.9
Q                    88.19                                     70.46
R                    91.30                                     82.51
S                    87.67                                     79.14
                      No Folio                                  No Folio

2016 XIRR      4.12%                                     3.69
Reinvesting?   No                                          Yes, with NSR Invest Aggressive Managed
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on January 05, 2017, 12:48:09 AM
Updated stats for my accounts- let me know if I missed anything?
Yes, Please provide the "Weighted Average Interest Rate (WAIR)" in the future. I just added on 2 months to what you had before (14.1+2) for the time being since that is how long you did your previous update. However, I'm guessing you were buying on Folio so that age addition may not be accurate. Thanks.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on January 05, 2017, 02:02:17 AM
Thanks for all the updates. People are making some changes in the notes they are buying!

I updated about 1/2 and will finish in the morning and post the sheets.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on January 05, 2017, 12:08:47 PM
Thanks to the new and interesting accounts. If I dont' see regular updates (at least quarterly), I'd probably mark this in the spreadsheet to be one of the first to fall off (hide rows). jz451's being so new and < 100 active notes would be the first to go since it may not be longterm realistic performance without more quality purchases/notes. I did hide a few non-active ones to add you folks.

SLCPaladin and jpildis, Thank you both for providing the data in this straight forward format/manner.  You both have some history/post here also.
jz451, thanks for providing the interesting account.

I've watched this thread and figured it's time to move from spectator to contributor. I intend to report my returns every month from now on.
Taxable Account:
Adjusted Net Annualized Return:   7.61%
Weighted Average Interest Rate:   14.41%
Weighted Average Age of Portfolio:   22.5 mos
Number of Notes:   6054
Grade: A(11.2%) B (26.7%) C(24.0%) D(18.4%) E(16.5%) F(2.6%) G(0.5%)
Term: 36(37.7%) 60(62.3%)
I don't buy or sell on Folio.
vs All Accounts: 84.75
vs Similar Age Accounts: 91.28
vs Similar Age and WAIR Accounts: 91.45
Impressive long history and without Folio. Thanks for sharing and ongoing updates.

Every time I see this, I say, "I should really send in my results."  As we close out a truly sh*tty year for returns, here's my latest:
Your Notes purchased on the Lending Club platform
Adjusted Net Annualized Return3 ?:   10.60%
Weighted Average Interest Rate:   20.98%
Weighted Average Age of Portfolio:   20.5 mos
Number of Notes:   1,490
My combined ANAR w/ trading is reported at 10.71%
XIRR = 10.3%
60 month:95% - 36 month: 5%
A - 0 B - 0 C - 0.1% D - 24.7% E - 46.9% F - 24.3% G - 4.0%
Purchased vs Originated: 52% / 48%
One more tidbit... my trailing 12 month return is 3%
Thanks for sharing your history and ongoing efforts.  Pretty even distribution: "Purchased [folio] vs Originated: 52% / 48%". Thanks for the XIRR data point that help back up your C/ANARs.

It is about time I finally posted my returns after starting nine months ago, so here we go. All but one note is from folio after accidently not turning off a LendingRobot filter.
Combined ANAR:   10.11%
Weighted Average Interest Rate:   23.2%
Weighted Average Age of Portfolio:   25.22 mos  <<<<calculated from my excel returns file due to being combined.
Number of Notes:   101 (93 active)
Grade: A(0%) B (0%) C(0%) D(7.2%) E(36.2%) F(31.6%) G(24.9%)
Term: 36(1.9%) 60(98.1%)
vs All Accounts: 96.48
vs Similar Age Accounts: 99.28
vs Similar Age and WAIR Accounts: 100.00
Proof photos are attached below.
I wouldn't normally want to post someone so new. 9 month account with 25.22 month old notes which would indicate some stability with the borrowers perhaps. You have a pretty interesting account. Please provide regular updates.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on January 05, 2017, 01:24:26 PM
Dec (vs Nov)
Image: http://i.imgur.com/PjSByrf.png
Image: http://i.imgur.com/u9gOUYf.png
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: dr.everett on January 05, 2017, 03:02:26 PM
Updated stats for my accounts- let me know if I missed anything?
Yes, Please provide the "Weighted Average Interest Rate (WAIR)" in the future. I just added on 2 months to what you had before (14.1+2) for the time being since that is how long you did your previous update. However, I'm guessing you were buying on Folio so that age addition may not be accurate. Thanks.

Taxable account is 19.31%, and my IRA is 18.25%, taken from https://www.lendingclub.com/account/lenderBenchmarkReturns.action#what-are-nar. I buy almost exclusively on Folio now as very little meets my criteria, and buying notes with a payment history usually avoids "straight rollers".
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jz451 on January 05, 2017, 03:33:12 PM
Yeah my portfolio is really interesting at the moment, and continuously working to decide what to do in the future once I invest more money. I'm using the account to test my original strategy and don't intend to sell it off anytime soon. I attached below an PDF with my results this past year which gives anyone interested a better understanding of what I have been doing. Also I intend to add another 3k either all at once or incrementally in the near future.
Thanks to the new and interesting accounts. If I dont' see regular updates (at least quarterly), I'd probably mark this in the spreadsheet to be one of the first to fall off (hide rows). jz451's being so new and < 100 active notes would be the first to go since it may not be longterm realistic performance without more quality purchases/notes. I did hide a few non-active ones to add you folks.

SLCPaladin and jpildis, Thank you both for providing the data in this straight forward format/manner.  You both have some history/post here also.
jz451, thanks for providing the interesting account.


It is about time I finally posted my returns after starting nine months ago, so here we go. All but one note is from folio after accidently not turning off a LendingRobot filter.
Combined ANAR:   10.11%
Weighted Average Interest Rate:   23.2%
Weighted Average Age of Portfolio:   25.22 mos  <<<<calculated from my excel returns file due to being combined.
Number of Notes:   101 (93 active)
Grade: A(0%) B (0%) C(0%) D(7.2%) E(36.2%) F(31.6%) G(24.9%)
Term: 36(1.9%) 60(98.1%)
vs All Accounts: 96.48
vs Similar Age Accounts: 99.28
vs Similar Age and WAIR Accounts: 100.00
Proof photos are attached below.
I wouldn't normally want to post someone so new. 9 month account with 25.22 month old notes which would indicate some stability with the borrowers perhaps. You have a pretty interesting account. Please provide regular updates.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jheizer on January 24, 2017, 12:53:10 PM
PSA: My web hosting company has gone bankrupt and it shutting down so the compare page might be down a day or two depending on how long my server keeps running.  It is up as of now.  Hopefully I can be all migrated before anything happens, so just a heads up.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Rob L on January 24, 2017, 06:51:01 PM
PSA: My web hosting company has gone bankrupt and it shutting down so the compare page might be down a day or two depending on how long my server keeps running.  It is up as of now.  Hopefully I can be all migrated before anything happens, so just a heads up.

Don't know if you've picked a new web hosting company but we migrated to HostGator a couple of months ago (their cloud hosting service). Our web site is laughably archaic, not terribly important, but our IMAP email is important. Did the migration myself, hit a few bumps in the road, and had to call or chat with their tech support group three times during the process. Very knowledgeable tech folks on the other end of the line which is much more than I can say for the company we were with prior. Cost is half what we were paying with the old company too. Highly recommend FWIW.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jheizer on January 24, 2017, 07:33:16 PM
Thanks. I need a VPS for the stuff I run on it and I'm too cheap to use any of the big name people since it is mostly junk projects.  Signed up for another budget class place for $70/yr.  Now I just have to move everything over.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Rob L on January 24, 2017, 09:08:55 PM
Thanks. I need a VPS for the stuff I run on it and I'm too cheap to use any of the big name people since it is mostly junk projects.  Signed up for another budget class place for $70/yr.  Now I just have to move everything over.

Great price for a basic VPS. Post after your migration and let us know how it went.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: AnilG on January 24, 2017, 09:37:18 PM
You can get a VPS for $5/month at Digital Ocean. You could use Amazon Web Services (AWS) and get a micro EC2 instance at no charge for the first year with new account. Microsoft Azure is another one which is very cost effective.

Thanks. I need a VPS for the stuff I run on it and I'm too cheap to use any of the big name people since it is mostly junk projects.  Signed up for another budget class place for $70/yr.  Now I just have to move everything over.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jheizer on January 24, 2017, 09:56:43 PM
Great price for a basic VPS. Post after your migration and let us know how it went.

Will do.  Since a VPS is just a raw linux box you have ot set up everything yourself.  I have my data restored there, just need to do a bit more setting up.  Trying to remember how this new systemd junk works at the moment as my old one was on init still.

You can get a VPS for $5/month at Digital Ocean. You could use Amazon Web Services (AWS) and get a micro EC2 instance at no charge for the first year with new account. Microsoft Azure is another one which is very cost effective.

Uh, I don't think I every realized the base Digital ocean plans were that cheap.  I've had boxes with that little ram before though and that can be hard.  They are KVM based too which is nice.  I just got:

Quote
KVM VPS
1024MB RAM
1x vCPU
25GB SSD Space
2TB Transfer
1Gbps Uplink
1x IPv4
/64 IPv6
KVM/Virtualizor

At $71/yr.  I use to have 2 CPU and 2048 of ram for the same price, but we can see how that kind of deal worked out for that company...
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jheizer on January 25, 2017, 09:18:13 AM
All back online.  It would have gone great except I run something that triggers my threat detection on my firewall here at home and I hit that and lost all connectivity to the remote server.  Thinking it was an issue with my "discount" provider or that I blocked my self I eventually got made and hit the reformat button.  At that very instant I remember to check my firewall.  I was so mad.  At least things are always faster the second time...
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Rob L on January 25, 2017, 06:58:37 PM
All back online.  It would have gone great except I run something that triggers my threat detection on my firewall here at home and I hit that and lost all connectivity to the remote server.  Thinking it was an issue with my "discount" provider or that I blocked my self I eventually got made and hit the reformat button.  At that very instant I remember to check my firewall.  I was so mad.  At least things are always faster the second time...

My son used to work with me in my business and claimed my motto surely must be "the job wasn't done right until it was done twice".
Don't think he meant it as a compliment; he's got a terrific sense of humor.  :)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: rubicon on January 31, 2017, 10:24:08 PM
Jan 31

https://www.lendingclub.com/account/summary.action
ANAR: 10.27% (combined return)
Number of notes: 25955

https://www.lendingclub.com/account/lenderBenchmarkReturns.action
Weighted Average Age of Portfolio: 19.0 months

https://www.lendingclub.com/account/lenderAccountDetail.action
Weighted Average Rate:16.07%
A: 0.3%
B: 4.1%
C: 38.3%
D: 36.0%
E: 16.2%
F: 4.4%
G:  0.7%

36: 86.9%
60: 13.1%
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jz451 on January 31, 2017, 11:34:47 PM
Adjusted Net Annualized Return:    11.56%
Weighted Average Interest Rate:    22.37%
Weighted Average Age of Portfolio:    22.06 mos
Number of Notes:    124

Grade
A (0%) B (0%) C (0%)
D (15.7%) E (43%) F (22.2%) G (19.1%)

Term
36 (1.2%) 60 (98.2%)

vs All Accounts: 98.33
vs Similar Aged Accounts: 99.83
vs Similar Aged and WAIR Accounts: 100.00
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: SLCPaladin on February 01, 2017, 11:54:37 AM
As of 2/1/2017L

Adjusted Net Annualized Return:  7.52%
Weighted Average Interest Rate: 14.32%
Weighted Average Age of Portfolio: 22.9 mos
Number of Notes: 6229

Grade
A (11.9%) B (27.8%) C (23.5%)
D (17.7%) E (15.9%) F (2.6%) G (0.6%)

Term
36 (40.5%) 60 (59.5%)

vs All Accounts: 85.36
vs Similar Aged Accounts: 91.59
vs Similar Aged and WAIR Accounts: 90.41
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Rob L on February 01, 2017, 02:26:32 PM
01 Feb 2017

Combined Returns
Adjusted Net Annualized Return:            7.68%

Weighted Average Interest Rate:           17.47%
Weighted Average Age of Portfolio:        27.9 mos
Number of Notes:                                 9601

A (0.3%) B (3.5%) C(1.7%) D(62.2%) E(31.6%) F(0.7%) G(0.0%)                                 

Term 36(100%) 60(0%)

vs All Accounts: 86.75
vs Similar Age Accounts: 89.47
vs Similar Age and WAIR Accounts: 85.07

On 19 Jan 2017 I revised my investment strategy from reinvesting cash in D & E grade notes exclusively to reinvesting cash B grade notes.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Edward Reid on February 01, 2017, 10:00:12 PM
2017-02-01

Adjusted Net Annualized Return:    8.38%
Weighted Average Interest Rate:    13.62%
Weighted Average Age of Portfolio:    12.2 mos
Number of Notes:    383

Grade
A (0.8%) B (3.4%) C (93.4%)
D (2.5%) E (0.0%) F (0.0%) G (0.0%)

Term
Payments  36 (19.6%) 60 (80.4%)

vs All Accounts:
    91.40
vs Similar Aged Accounts:
    96.54
vs Similar Aged and WAIR Accounts:
    96.30
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jennrod12 on February 02, 2017, 08:27:17 PM
Jennrod12 "Buy & Hold" - 2/2/17

Adjusted Net Annualized Return3: 4.67%
Weighted Average Interest Rate: 13.48%
Weighted Average Age of Portfolio: 15.5 mos
Number of Notes: 200
Number of active notes: 153

A(2.4%) B(23.3%) C(40.8%)
D(22.9%) E(7.6%) F(3.1%) G(0.0%)

Payments  36 (99.2%) 60 (0.8%)

vs All Accounts: 31.89
vs Similar Aged Accounts: 48.16
vs Similar Aged and WAIR Accounts: 52.15
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Fudgenut on February 03, 2017, 01:04:21 PM
Feb 3, 2017

Fudgenut SEP IRA:
Adjusted Net Annualized Return:   9.43%
Weighted Average Interest Rate:   18.88%
Weighted Average Age of Portfolio:   25.5 mos
Number of Notes:   5,251

A(0.0%) B (0.7%) C(19.3%) D(46.0%) E(23.8%) F(8.2%) G(1.9%)
Payments  36(33.6%) 60(66.4%)

COMBINED
vs All Accounts:
94.81
vs Similar Age Accounts:
98.66
vs Similar Age and WAIR Accounts:
97.34


Fudgenut ROTH IRA:
Adjusted Net Annualized Return3 ?:   8.84%
Weighted Average Interest Rate:   18.95%
Weighted Average Age of Portfolio:   26.3 mos
Number of Notes:   4,212

A(0.0%) B (0.7%) C(20.7%) D(44.7%) E(23.2%) F(8.8%) G(1.8%)
Payments  36(31.5%) 60(68.5%)

FOLIO COMBINED
vs All Accounts:
92.87
vs Similar Age Accounts:
97.43
vs Similar Age and WAIR Accounts:
93.51


Fudgenut Taxable:

Adjusted Net Annualized Return3 ?:   8.33%
Weighted Average Interest Rate:   18.86%
Weighted Average Age of Portfolio:   24.4 mos
Number of Notes:   2,404

A(0.0%) B (0.0%) C(9.9%) D(53.7%) E(26.7%) F(8.4%) G(1.3%)
Payments  36(22.1%) 60(77.9%)

FOLIO COMBINED
vs All Accounts:
90.53
vs Similar Age Accounts:
95.48
vs Similar Age and WAIR Accounts:
92.38
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on February 03, 2017, 07:34:58 PM
If anyone has updates of Jan, please get them in. I will update the spreadsheet over the weekend. Thx
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Lovinglifestyle on February 03, 2017, 10:42:19 PM
Combined ANAR:  8.39

Adjusted Net Annualized Return:  14.35%
Weighted Average Interest Rate:    18.47%
Weighted Average Age of Portfolio:  37.7 mos
Number of Notes:  5,774

A(0.4%) B (9.9%) C(12.5%) D(13.6%) E(37.9%) F(19.2%) G(6.5%)
36(37.5%) 60(62.5%)

vs All Accounts:
90.53
vs Similar Aged Accounts: (37.7 months)
0.00
vs Similar Aged and WAIR Accounts: (37.7 and 18.47)
0.00
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: storm on February 03, 2017, 11:13:22 PM
Combined ANAR: 9.52%

Weighted Average Interest Rate:   15.16%
Weighted Average Age of Portfolio:   31.2 mos
Number of Notes:   6,428

A(0.0%) B (8.6%) C(45.7%) D(23.5%) E(17.4%) F(3.7%) G(1.2%)
36(33.5%) 60(66.5%)

vs All Accounts:  95.06
vs Similar Aged Accounts:  0.00
vs Similar Aged and WAIR Accounts:  0.00

XIRR:  9.98%
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Paulie2083 on February 04, 2017, 12:20:35 AM
Adjusted Net Annualized Return3 ?:   10.01%
Weighted Average Interest Rate:   19.54%
Weighted Average Age of Portfolio:   7.5 mos
Number of Notes:   1,168

vs All Accounts:
96.16
vs Similar Aged Accounts:
95.64
vs Similar Aged and WAIR Accounts:
91.07

A(0.0%) B (0.0%) C(1.4%) D(63.0%) E(35.6%) F(0.0%) G(0.0%)
Payments  36(52.1%) 60(47.9%
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on February 06, 2017, 11:48:19 AM
It is about time I finally posted my returns after starting nine months ago, so here we go. All but one note is from folio after accidently not turning off a LendingRobot filter.

Combined ANAR:   10.11%
Weighted Average Interest Rate:   23.2%
Weighted Average Age of Portfolio:   25.22 mos  <<<<calculated from my excel returns file due to being combined.
Number of Notes:   101 (93 active)
Grade: A(0%) B (0%) C(0%) D(7.2%) E(36.2%) F(31.6%) G(24.9%)
Term: 36(1.9%) 60(98.1%)
vs All Accounts: 96.48 vs Similar Age Accounts: 99.28 vs Similar Age and WAIR Accounts: 100.00

Adjusted Net Annualized Return:    11.56%
Weighted Average Interest Rate:    22.37%
Weighted Average Age of Portfolio:    22.06 mos
Number of Notes:    124
Grade A (0%) B (0%) C (0%) D (15.7%) E (43%) F (22.2%) G (19.1%)
Term 36 (1.2%) 60 (98.2%)
vs All Accounts: 98.33 vs Similar Aged Accounts: 99.83 vs Similar Aged and WAIR Accounts: 100.00

This looks like a pretty big change for 1 month. Are you just buying and selling on Folio? Or are these just new purchased notes and because you have so few notes it is making the percentage change so much?
D(7.2%) E(36.2%) F(31.6%) G(24.9%)
D (15.7%) E (43%) F (22.2%) G (19.1%)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jz451 on February 06, 2017, 12:14:48 PM
Yes I have added $500 work on notes on Folio, about 25 notes with the added notes changing the composition of the portfolio. I'm going into less risky notes in the D-E range, and have another $2500 I might be moving into my account in the coming months.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on February 06, 2017, 01:23:39 PM
Jan'17 (vs Dec'16)
Image: http://i.imgur.com/6MMK1oQ.jpg
Image: http://i.imgur.com/Fg98D4r.jpg
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2F6MMK1oQ.jpg&hash=948ca2c06c9b6b16697a59a7887c4839)
(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2FFg98D4r.jpg&hash=a9fea915006fc0c44faea115817fc8c9)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: ThinleyWangchuk on February 28, 2017, 08:29:41 PM
Adjusted Net Annualized Return :   9.81%
Weighted Average Interest Rate:   20.95%
Weighted Average Age of Portfolio:   28.4 mos
Number of Notes:   1,353

vs All Accounts:
95.71
vs Similar Age Accounts:
99.25
vs Similar Age and WAIR Accounts:
97.30

--

Adjusted Net Annualized Return3 ?:   15.87%
Weighted Average Interest Rate:   20.76%
Weighted Average Age of Portfolio:   51.2 mos
Number of Notes:   79

vs All Accounts:
99.83
vs Similar Age Accounts:
0.00
vs Similar Age and WAIR Accounts:
0.00
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: rubicon on February 28, 2017, 10:31:50 PM
Feb 28

https://www.lendingclub.com/account/summary.action
ANAR: 10.22% (combined return)
Number of notes: 27503

https://www.lendingclub.com/account/lenderBenchmarkReturns.action
Weighted Average Age of Portfolio: 20.0 months

https://www.lendingclub.com/account/lenderAccountDetail.action
Weighted Average Rate:16.11%
A: 0.4%
B: 4.5%
C: 37.1%
D: 35.9%
E: 16.8%
F: 4.5%
G:  0.8%

36: 86.9%
60: 13.1%
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jz451 on March 01, 2017, 01:44:05 AM
Adjusted Net Annualized Return :   10.87%
Weighted Average Interest Rate:   22.08%
Weighted Average Age of Portfolio:   22.98 mos
Number of Notes:   134

vs All Accounts: 97.37
vs Similar Age Accounts: 99.75
vs Similar Age and WAIR Accounts: 100.00

Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on March 01, 2017, 10:16:27 AM
Adjusted Net Annualized Return :   10.87%
Weighted Average Interest Rate:   22.08%
Weighted Average Age of Portfolio:   22.98 mos
Number of Notes:   134

vs All Accounts: 97.37
vs Similar Age Accounts: 99.75
vs Similar Age and WAIR Accounts: 100.00
A-G? 36/60?
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: SLCPaladin on March 01, 2017, 10:59:09 AM
As of 3/1/2017

Adjusted Net Annualized Return:  7.48%
Weighted Average Interest Rate: 14.23%
Weighted Average Age of Portfolio: 23.3 mos
Number of Notes: 6382

Grade
A (13.2%) B (28.0%) C (23.1%)
D (17.1%) E (15.6%) F (2.5%) G (0.6%)

Term
36 (42.9%) 60 (57.1%)

vs All Accounts: 84.53
vs Similar Aged Accounts: 91.97
vs Similar Aged and WAIR Accounts: 90.51
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Edward Reid on March 01, 2017, 11:17:57 AM
2017-03-01

Adjusted Net Annualized Return:    7.67%
Weighted Average Interest Rate:    13.65%
Weighted Average Age of Portfolio:    12.9 mos
Number of Notes:    389

Grade
A (0.6%) B (3.2%) C (93.9%)
D (2.3%) E (0.0%) F (0.0%) G (0.0%)

Term
Payments  36 (21.1%) 60 (78.9%)

vs All Accounts:
    86.28
vs Similar Age Accounts:
    93.77
vs Similar Age and WAIR Accounts:
    93.32

(no folio)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jz451 on March 01, 2017, 11:30:34 AM
Woops how did I miss that. Also good thing I'm reposting as the ANAR didn't get updated last night.  :P

Adjusted Net Annualized Return :   10.93%
Weighted Average Interest Rate:   22.08%
Weighted Average Age of Portfolio:   22.98 mos
Number of Notes:   134

Grade
A (0%) B (0%) C (0%)
D (19.9%) E (43.7%) F (18.9%) G (17.5%)

Term
36 (0.8%) 60 (99.2%)


vs All Accounts: 97.37
vs Similar Age Accounts: 99.75
vs Similar Age and WAIR Accounts: 100.00

Adjusted Net Annualized Return :   10.87%
Weighted Average Interest Rate:   22.08%
Weighted Average Age of Portfolio:   22.98 mos
Number of Notes:   134

vs All Accounts: 97.37
vs Similar Age Accounts: 99.75
vs Similar Age and WAIR Accounts: 100.00
A-G? 36/60?
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: scotty0318 on March 01, 2017, 12:06:51 PM
Adjusted Net Annualized Return3 ?:   9.46%
Weighted Average Interest Rate:           20.57%
Weighted Average Age of Portfolio:           6.8 mos
Number of Notes:                                   1,338

A(0.0%) B (0.5%) C(22.1%) D(24.4%) E(39.6%) F(10.8%) G(2.7%)

Payments  36(48.9%) 60(51.1%)

**Where do you find the following information?**
vs All Accounts:
vs Similar Aged Accounts:
vs Similar Aged and WAIR Accounts:
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: BruiserB on March 01, 2017, 12:37:54 PM
My Updates:

Measure         Standard Account                 IRA Account
ANAR             7.66                                      6.04
WAIR             17.61                                    19.28
WAAoP          29.5                                      18.5
#Notes           13,453                                  2,293
WAIR-ANAR   9.95                                      13.24
A                    3.9                                        0.0
B                    14.3                                      0.1
C                    16.7                                      23.6
D                    19.3                                      29.0
E                    25.2                                       29.1
F                     17.2                                       16.4
G                    3.3                                         1.8
36                  37.9                                        30.7
60                  62.1                                       69.3
Q                    86.28                                     64.15
R                    90.60                                     78.55
S                    84.05                                     82.16
                      No Folio                                  No Folio

2017 XIRR      -1.37                                     -1.31


Both accounts negative returns YTD.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Lovinglifestyle on March 01, 2017, 02:01:24 PM
Combined ANAR:                            8.42%
Weighted Average Interest Rate:      18.53%
Weighted Average Age of Portfolio: 38.2 mos
Number of Notes:                      5,819

A (0.3%) B (9.3%) C(11.9%) D(13.4%) E(38.5%) F(19.8%) G(6.9%)
Payments  36(38.0%) 60(62.0%)

vs All Accounts:
91.60
vs Similar Age Accounts: (38.2 mos.)
0.00
vs Similar Age and WAIR Accounts: (WAIR 18.53)
0.00

Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: hambling on March 01, 2017, 03:36:43 PM
Combined ANAR:                            6.18%
Weighted Average Interest Rate:      15.88%
Weighted Average Age of Portfolio: 19.4 mos
Number of Notes:                     1,028

A (2.0%) B (8.5%) C(28.1%) D(35.4%) E(16.9%) F(6.8%) G(2.3%)
Term   36(62.8%) 60(37.2%)

vs All Accounts:
67.63
vs Similar Age Accounts: (19.4 mos.)
81.34
vs Similar Age and WAIR Accounts: (WAIR 15.88)
82.82
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: hambling on March 01, 2017, 03:51:28 PM
IRA

Combined ANAR:                            6.39%
Weighted Average Interest Rate:      17.42%
Weighted Average Age of Portfolio: 17.0 mos
Number of Notes:                             919

A (0.4%) B (4.5%) C(23.4%) D(37.6%) E(23.5%) F(8.7%) G(1.9%)
Term   36(62.4%) 60(37.6%)

vs All Accounts:
71.3
vs Similar Age Accounts: (17.0 mos.)
85.96
vs Similar Age and WAIR Accounts: (WAIR 17.42%)
87.25
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: ameydhar on March 01, 2017, 11:20:35 PM
Combined ANAR:                            8.34%
Weighted Average Interest Rate:      17.30%
Weighted Average Age of Portfolio: 9.3 mos
Number of Notes:                     531

A (1.9%) B (8.2%) C(28.3%) D(34.7%) E(18.9%) F(7.2%) G(0.7%)
Term:  36(45.0%) 60(55.0%)

vs All Accounts:
91.11
vs Similar Age Accounts:
92.68
vs Similar Age and WAIR Accounts:
90.99
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jennrod12 on March 02, 2017, 10:37:28 PM
Jennrod12 "Buy & Hold" account:

Adjusted Net Annualized Return3:   4.09%
Weighted Average Interest Rate:   13.48%
Weighted Average Age of Portfolio:   16.4 mos
Number of Notes:   200
Number of Active notes: 146

A(2.4%) B (22.5%) C(40.5%) D(23.6%) E(7.8%) F(3.1%) G(0.0%)
Term: 36(99.1%) 60(0.9%)

vs All Accounts: 24.77
vs Similar Age Accounts: 36.70
vs Similar Age and WAIR Accounts: 32.11

Seems to have slipped a bit this month, relative to others as shown in my ANAR Compare numbers.

Thanks for compiling this!

Jenn
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Paulie2083 on March 03, 2017, 01:17:24 AM
Adjusted Net Annualized Return3 ?:   9.54%
Weighted Average Interest Rate:   19.54%
Weighted Average Age of Portfolio:   7.9 mos
Number of Notes:   1,236

vs All Accounts:
95.21
vs Similar Age Accounts:
94.85
vs Similar Age and WAIR Accounts:
90.86

(0.0%) B (0.0%) C(1.3%) D(64.0%) E(34.7%) F(0.0%) G(0.0%)

Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jpildis on March 03, 2017, 10:27:54 AM
ANAR: 9.85%
WAIR: 20.97%
WAA: 22.7 Months
notes 1440

C=0.1%, D=23.5%, E=46.7%, F=25.8%, G=3.8%
36 = 4% / 60 month=96%

59% Purchased / 41% Originated

10.20% XIRR

Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on March 03, 2017, 11:06:58 AM
I will update this tomorrow. No new accounts are being added at this time. We have a pretty good representation.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: storm on March 03, 2017, 10:45:28 PM
Combined ANAR:  9.46%
Weighted Average Interest Rate:   15.13%
Weighted Average Age of Portfolio:   31.4 mos
Number of Notes:   6,624

A(0.0%) B (9.9%) C(45.1%) D(23.4%) E(17.0%) F(3.6%) G(1.1%)
Payments  36(35.7%) 60(64.3%)

vs All Accounts: 94.65
vs Similar Age Accounts: 0.00
vs Similar Age and WAIR Accounts: 0.00
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on March 04, 2017, 11:12:01 AM
Thanks everyone. One person stood out this month :)

Feb'17 (vs Jan'17)
Image: http://i.imgur.com/MlWWJI7.jpg
Image: http://i.imgur.com/nYVNz4y.jpg
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: twigster on March 05, 2017, 09:50:03 AM
twigster ROTH:
Your Notes purchased on the Lending Club platform
Adjusted Net Annualized Return:   7.94%
Weighted Average Interest Rate:   13.50%
Weighted Average Age of Portfolio:   19.0 mos
Number of Notes: 3,039

A(14.3%) B (4.0%) C(49.5%) D(23.6%) E(8.3%) F(0.3%) G(0.1%)
Payments  36(37.3%) 60(62.7%)

vs All Accounts: 88.32
vs Similar Age Accounts: 96.82
vs Similar Age and WAIR Accounts: 96.15
_______________________________________

twigster:
Your Notes purchased on the Lending Club platform
Adjusted Net Annualized Return:   8.56%
Weighted Average Interest Rate:   13.81%
Weighted Average Age of Portfolio:   26.4 mos
Number of Notes: 1,127

A(12.2%) B (9.3%) C(43.6%) D(34.9%) E(0.1%) F(0.0%) G(0.0%)
Payments  36(46%) 60(54%)

vs All Accounts: 91.47
vs Similar Age Accounts: 96.79
vs Similar Age and WAIR Accounts: 96.89

_______________________________________________________________________________________________
Have been transitioning over to A notes starting beginning of December, so main account is up to 14.3% A notes (from 0%) in about 3 months by just reinvesting payments in new A notes.  Still no negative months, and returns look like they are starting to stabilize a bit.  No unexpected churning on the A notes and so far no lates.   
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: JohnnyP on March 05, 2017, 06:45:48 PM
I keep seeing these stats in everybody's post:

vs All Accounts: 94.65
vs Similar Age Accounts: 0.00
vs Similar Age and WAIR Accounts: 0.00

I cannot find it anywhere in my 'Understanding Your Returns' area. Where are you finding it?

Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Rob L on March 05, 2017, 07:05:57 PM
Use: Replacement to P2P Quant's Percentile Tool http://lc.geekminute.com (http://lc.geekminute.com)
Courtesy of Jon
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on March 06, 2017, 01:16:06 PM
Have been transitioning over to A notes starting beginning of December, so main account is up to 14.3% A notes (from 0%) in about 3 months by just reinvesting payments in new A notes.  Still no negative months, and returns look like they are starting to stabilize a bit.  No unexpected churning on the A notes and so far no lates.

Feb'17 (vs Jan'17)
Image: http://i.imgur.com/h3AcWp2.jpg
Image: http://i.imgur.com/sYWRYWJ.jpg
<snip>
Replacement to P2P Quant's Percentile Tool: http://lc.geekminute.com/Home/ANARCompare
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on March 08, 2017, 10:30:09 AM
Monthly increase/decrease: http://i.imgur.com/vHKmNdE.jpg
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Lovinglifestyle on March 08, 2017, 01:36:38 PM
Great new chart!  Thank you!
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jheizer on March 08, 2017, 01:42:32 PM
NO no no, it is a depressing chart.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: rawraw on March 08, 2017, 05:24:29 PM
A (10.6%) B (29.0%) C(23.5%) D(13.4%) E(12.6%) F(8.9%) G(2.1%)
Payments  36(39.6%) 60(60.4%)
Adjusted Net Annualized Return 8.04%
Weighted Average Interest Rate:   14.07%
Weighted Average Age of Portfolio:   25.1 mos
Number of Notes:   2,967
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: ThinleyWangchuk on March 23, 2017, 10:28:59 PM
Anyone have the link to the percentile calculator?
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: storm on March 23, 2017, 10:39:09 PM
Anyone have the link to the percentile calculator?

http://lc.geekminute.com/Home/ANARCompare
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: ThinleyWangchuk on March 23, 2017, 10:40:11 PM
Doesn't load:

"502 Bad Gateway

nginx/1.10.0 (Ubuntu)"
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jheizer on March 23, 2017, 10:46:06 PM
Try now.  My server has been acting weird today.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: ThinleyWangchuk on March 23, 2017, 10:50:28 PM
Excellent!  Thanks
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Rob L on March 24, 2017, 10:14:51 AM
Anyone have the link to the percentile calculator?

http://lc.geekminute.com/Home/ANARCompare

To lascott it might be nice to add this link to your tools I use so it will be available at the bottom of each chart you post. When I update I find myself scrolling back through this thread to find it.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: arcee49 on March 24, 2017, 12:31:28 PM
Try now.  My server has been acting weird today.

Am I doing that poorly?  :-[

Your Portfolio

vs All Accounts:
0.00
vs Similar Age Accounts:
0.00
vs Similar Age and WAIR Accounts:
0.00
Warning, the chart is slow to generate.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jheizer on March 24, 2017, 12:51:58 PM
bah, no.  Its broke.  I'll look at it tonight/this weekend.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jheizer on March 27, 2017, 11:31:42 PM
Site fixed.  Could be a bad sign.  I had a bug in my code where the authentication wasn't sticking and they must have had an issue where it was currently working without an authenticated user.  Or so it appeared.  Hopefully it keeps working in the future.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: arcee49 on March 28, 2017, 03:39:27 PM
Site fixed.  Could be a bad sign.  I had a bug in my code where the authentication wasn't sticking and they must have had an issue where it was currently working without an authenticated user.  Or so it appeared.  Hopefully it keeps working in the future.

Thanks, works for me now.  Though it never generated a chart. (Not sure if that's to be expected or not)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jheizer on March 28, 2017, 03:41:41 PM
Yeah I saw that after I had updated and replied here.  History page isn't updating either.  I'll look at it eventually.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: rubicon on March 31, 2017, 11:27:54 PM
Mar 31

https://www.lendingclub.com/account/summary.action
ANAR: 10.15% (combined return)
Number of notes: 28387

https://www.lendingclub.com/account/lenderBenchmarkReturns.action
Weighted Average Age of Portfolio: 21.0 months

https://www.lendingclub.com/account/lenderAccountDetail.action
Weighted Average Rate:16.21%
A: 0.3%
B: 4.7%
C: 35.4%
D: 35.2%
E: 18.5%
F: 5.0%
G:  0.9%

36: 86.5%
60: 13.5%
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: storm on April 01, 2017, 12:52:36 AM
Combined ANAR:  9.52%
Weighted Average Interest Rate:   15.13%
Weighted Average Age of Portfolio:   32.3 mos
Number of Notes:   6,624

A(0.0%) B (9.9%) C(44.9%) D(23.4%) E(17.1%) F(3.6%) G(1.1%)
36(35.7%) 60(64.3%)

vs All Accounts: 94.30
vs Similar Age Accounts: 0.00
vs Similar Age and WAIR Accounts: 0.00

XIRR:  9.86%
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jz451 on April 01, 2017, 02:58:44 PM
I started the process of investing $2500 this month into my account which is going to result in a big change to my results over the next couple of months as I slowly churn through the cash.

Combined ANAR:  11.50%
Weighted Average Interest Rate:  21.24%
Weighted Average Age of Portfolio:   23.31 mos
Number of Notes:   169

A(0.0%) B (0.0%) C(0.0%) D(31.4%) E(42.1%) F(13.5%) G(13.0%)
36(0.5%) 60(99.5%)

vs All Accounts: 97.79
vs Similar Age Accounts: 99.81
vs Similar Age and WAIR Accounts: 99.02
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Lovinglifestyle on April 01, 2017, 07:52:18 PM
Combined ANAR:  8.46
Weighted Average Interest Rate:  18.55
Weighted Average Age of Portfolio:  39.1 mos
Number of Notes:  5835
Active Notes:  1528

A(0.4%) B (8.8%) C(11.7%) D(13.3%) E(38.9%) F(20.0%) G(7.1%)
36(38.2%) 60(61.8%)

vs All Accounts:  91.23
vs Similar Age Accounts:  0.00
vs Similar Age and WAIR Accounts:  0.00

Note:  Am making withdrawals and limiting re-investment.

Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: dr.everett on April 01, 2017, 10:23:38 PM
IRA:

Combined ANAR: 8.13
Weighted Average Interest Rate:   18.51%
Weighted Average Age of Portfolio:   31.6 mos
Number of Notes:   4,789
Active Notes: 7355

A(0.3%) B (6.0%) C(15.3%) D(27.1%) E(35.4%) F(13.7%) G(2.2%)

vs All Accounts: 89.76
vs Similar Age Accounts: 0.00
vs Similar Age and WAIR Accounts: 0.00


Taxable:

Combined ANAR: 6.73
Weighted Average Interest Rate:   19.39%
Weighted Average Age of Portfolio:   20.1 mos
Number of Notes:   1,724
Active Notes: 5146

A(0.2%) B (5.0%) C(14.1%) D(25.8%) E(37.8%) F(14.9%) G(2.3%)

vs All Accounts: 77.76
vs Similar Age Accounts: 90.17
vs Similar Age and WAIR Accounts: 87.03
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Edward Reid on April 02, 2017, 11:56:47 AM
2017-04-01

Adjusted Net Annualized Return:   8.08%
Weighted Average Interest Rate:   13.73%
Weighted Average Age of Portfolio:   11.6 mos
Number of Notes:   447

Grade
A(0.4%) B (2.4%) C(95.3%) D(1.8%) E(0.0%) F(0.0%) G(0.0%)

Term
Payments  36(35.1%) 60(64.9%)

vs All Accounts: 89.32
vs Similar Age Accounts: 95.10
vs Similar Age and WAIR Accounts: 96.00

(no folio)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: SLCPaladin on April 02, 2017, 04:51:55 PM
As of 4/2/2017:

Adjusted Net Annualized Return:  7.41%
Weighted Average Interest Rate: 14.21%
Weighted Average Age of Portfolio: 24.3 mos
Number of Notes: 6415

Grade
A (13.1%) B (27.9%) C (23.1%)
D (17.1%) E (15.7%) F (2.4%) G (0.6%)

Term
36 (42.9%) 60 (57.1%)

vs All Accounts: 85.28
vs Similar Aged Accounts: 92.48
vs Similar Aged and WAIR Accounts: 93.27

Note: For a variety of reasons, I am withdrawing funds as notes mature and no longer reinvesting. Interest rates are not high enough to offset increased default and perceived risks.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jennrod12 on April 02, 2017, 05:10:50 PM
Jennrod12 "buy and hold" account:

Adjusted Net Annualized Return:   4.11%
Weighted Average Interest Rate:   13.48%
Weighted Average Age of Portfolio:   17.5 mos
Number of Notes:   200
Number of Active loans: 144

A(2.0%) B (22.1%) C(40.5%) D(24.1%) E(8.0%) F(3.2%) G(0.0%)
Payments 36(99.1%) 60(0.9%)

vs All Accounts: 27.72
vs Similar Age Accounts: 38.95
vs Similar Age and WAIR Accounts: 40.10

My larger IRA account is doing a little better than this, but I am withdrawing funds and don't plan to continue with LC after I've aged out.  It's not worth the trouble.

Thanks for compiling these stats!

Jenn
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Fudgenut on April 02, 2017, 05:22:49 PM
April 2, 2017

Fudgenut SEP IRA:
Adjusted Net Annualized Return:   9.14%
Weighted Average Interest Rate:   18.58%
Weighted Average Age of Portfolio:   26.2 mos
Number of Notes:   5,251

A(0.0%) B (4.8%) C(20.7%) D(43.3%) E(21.9%) F(7.6%) G(1.8%)
Payments  36(39.0%) 60(61.0%)

COMBINED
vs All Accounts:
93.76
vs Similar Age Accounts:
98.82
vs Similar Age and WAIR Accounts:
98.19


Fudgenut ROTH IRA:
Adjusted Net Annualized Return3 ?:   8.55%
Weighted Average Interest Rate:   18.67%
Weighted Average Age of Portfolio:   27.0 mos
Number of Notes:   4,420

A(0.0%) B (4.4%) C(22.0%) D(42.3%) E(21.4%) F(8.3%) G(1.7%)
Payments  36(36.9%) 60(63.1%)

FOLIO COMBINED
vs All Accounts:
91.74
vs Similar Age Accounts:
97.19
vs Similar Age and WAIR Accounts:
94.69


Fudgenut Taxable:

Adjusted Net Annualized Return3 ?:   8.04%
Weighted Average Interest Rate:   18.94%
Weighted Average Age of Portfolio:   25.8 mos
Number of Notes:   2,046

A(0.0%) B (0.0%) C(11.4%) D(50.8%) E(27.2%) F(9.2%) G(1.4%)
Payments  36(20.5%) 60(79.5%)

FOLIO COMBINED
vs All Accounts:
89.32
vs Similar Age Accounts:
95.03
vs Similar Age and WAIR Accounts:
91.71
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jheizer on April 03, 2017, 09:23:30 AM
https://docs.google.com/spreadsheets/d/1vIWsPi5fb3YTo_H3aOnIppxyypQkBZW90HpBcLXLjVo/edit?usp=sharing
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on April 03, 2017, 12:23:59 PM
I'll will probably update this tomorrow.  BTW, LC statements are available. Things are moving in the right direction.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Paulie2083 on April 04, 2017, 01:29:03 PM
Adjusted Net Annualized Return3 ?:   9.39%
Weighted Average Interest Rate:   19.57%
Weighted Average Age of Portfolio:   8.4 mos
Number of Notes:   1,315

(0.0%) B (0.0%) C(1.2%) D(64.0%) E(34.7%) F(0.0%) G(0.0%)
36(55.9%) 60(44.1%)

vs All Accounts:
94.44
vs Similar Age Accounts:
94.02
vs Similar Age and WAIR Accounts:
90.42
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: ameydhar on April 05, 2017, 09:42:26 PM
Adjusted Net Annualized Return:  7.65%
Weighted Average Interest Rate: 17.36%
Weighted Average Age of Portfolio: 9.6 months
Number of Notes: 574

Grade
A (1.7%) B (7.5%) C (29.2%)
D (35.7%) E (18.5%) F (6.8%) G (0.6%)

Term
36 (48.5%) 60 (51.5l%)

vs All Accounts: 86.91
vs Similar Age Accounts: 88.83
vs Similar Age and WAIR Accounts: 87.67
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on April 05, 2017, 11:29:00 PM
Mar'17 (vs Feb'17)
Image: http://i.imgur.com/gbcvn4T.jpg
Image: http://i.imgur.com/HkXiIjt.jpg
Image: http://i.imgur.com/ruIY6Zu.jpg
<snip>
Added ANAR Compare URL to spreadsheet above: http://lc.geekminute.com/Home/ANARCompare
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Edward Reid on May 01, 2017, 03:18:08 AM
2017-05-01

Adjusted Net Annualized Return:    7.82%
Weighted Average Interest Rate:    13.74%
Weighted Average Age of Portfolio:    12.1 mos
Number of Notes:    456

Grade
A (0.4%) B (2.3%) C (95.6%) D (1.7%) E (0.0%) F (0.0%) G (0.0%)

Term
Payments  36 (36.8%) 60 (63.2%)

lc.geekminute.com is throwing 502s at me tonight.

vs All Accounts: 87.93
vs Similar Age Accounts: 95.28
vs Similar Age and WAIR Accounts: 96.10

(no folio)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jheizer on May 01, 2017, 10:04:47 AM

lc.geekminute.com is throwing 502s at me tonight.

Back up.  Some things didn't come back up after a power outage correctly.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Rob L on May 01, 2017, 10:23:37 AM
01 May 2017

Combined Returns
Adjusted Net Annualized Return:            7.52%

Weighted Average Interest Rate:           17.42%
Weighted Average Age of Portfolio:        30.6 mos
Number of Notes:                                  9715

A (0.4%) B (6.1%) C(1.6%) D(59.9%) E(31.2%) F(0.7%) G(0.0%)                                 

Term 36(100%) 60(0%)

vs All Accounts: 85.89
vs Similar Age Accounts: 92.87
vs Similar Age and WAIR Accounts: 94.12
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Lovinglifestyle on May 01, 2017, 12:30:04 PM
01 May 2017

Combined Returns
Adjusted Net Annualized Return:      8.50%

Weighted Average Interest Rate:     18.57%
Weighted Average Age of Portfolio:  40.0 mos
Number of Notes:  5857

A (0.4%)  B (8.5%)  C(11.4%)  D(13.1%)  E(39.6%)  F(19.7%)  G(7.2%)

Term  36(39.1%)  60(60.9%)

vs All Accounts:  90.89
vs Similar Age Accounts:  0.00
vs Similar Age and WAIR Accounts:  0.00
Warning, the chart is slow to generate.
(I waited two minutes, but the 0.00 result didn't change.)

Have not used Folio for 9 weeks.  Am reinvesting in new notes sparingly.

I hope at least half of the people who haven't posted any 2017 returns yet will do so this month.





Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Fred93 on May 01, 2017, 02:03:50 PM
5/1/2017
ANAR 7.81%
WAIR 13.44%
Avg age 17.3
# 7184
Grade A...G  1.4% 28.4% 53.3% 12.9% 3.9% 0% 0%
vs all 87.93%
vs similar age 97.47%
vs similar similar age & WAIR 97.67%
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: hamblingl on May 01, 2017, 06:53:54 PM

5/1/2017
ANAR 6.36%
WAIR 15.7%
Avg age  20.2
# 1,096
Grade A...G  1.6% 12.2% 29.6% 33.2% 14.9% 6.3% 2.2%
vs all 72.97%
vs similar age 86.46%
vs similar similar age & WAIR 87.11%
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jz451 on May 01, 2017, 11:24:58 PM
Adjusted Net Annualized Return:    11.47%
Weighted Average Interest Rate:    20.93%
Weighted Average Age of Portfolio:    23.79 mos
Number of Notes:    195

Grade
A (0%) B (0%) C (2.5%) D (34.4%) E (41.2%) F (11.4%) G (10.0%)

Term
Payments  36 (0.4%) 60 (99.6%)

vs All Accounts: 97.76
vs Similar Age Accounts: 99.83
vs Similar Age and WAIR Accounts: 100.00
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on May 02, 2017, 12:38:46 AM
5/1/2017

Placing this here until I get to all this in a couple/few days. (ANARCompare not done yet).  Don't have high hopes for my overall gains (interest - losses) as I watch my 'Adjusted Account Value' on the main LC summary page about every day yoyo up and down about back to the same value over the week. 3 steps forward 3 steps backward as it were.

Some may not realize but you can just cut-n-paste from the LC webpages and this is what it looks like.  Tip For the grades and terms, I start at the right most paren and highlight to the left.

Taxable
Adjusted Net Annualized Return3 ?:   5.39%
Weighted Average Interest Rate:   12.13%
Weighted Average Age of Portfolio:   19.7 mos
Number of Notes:   10,906
A(26.9%) B (27.9%) C(21.3%) D(11.6%) E(8.6%) F(2.3%) G(1.4%)
Payments  36(75.8%) 60(24.2%)

Roth
Adjusted Net Annualized Return3 ?:   5.48%
Weighted Average Interest Rate:   10.90%
Weighted Average Age of Portfolio:   19.8 mos
Number of Notes:   6,074
A(24.1%) B (31.0%) C(25.9%) D(10.2%) E(8.3%) F(0.3%) G(0.2%)
Payments  36(68.3%) 60(31.7%)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: rubicon on May 02, 2017, 02:47:39 AM
May 01

https://www.lendingclub.com/account/summary.action
ANAR: 10.13% (combined return)
Number of notes: 29446

https://www.lendingclub.com/account/lenderBenchmarkReturns.action
Weighted Average Age of Portfolio: 22.0 months

https://www.lendingclub.com/account/lenderAccountDetail.action
Weighted Average Rate:16.30%
A: 0.3%
B: 4.8%
C: 33.5%
D: 35.4%
E: 19.8%
F: 5.2%
G:  0.9%

36: 87.1%
60: 12.9%
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jennrod12 on May 02, 2017, 03:50:29 PM
Jennrod12 "buy & hold" account:

Adjusted Net Annualized Return: 3.82% - just awful!
Weighted Average Interest Rate: 13.48%
Weighted Average Age of Portfolio: 18.5 mos
Number of Notes: 200
Number of Active Notes: 140 (40 fully paid, 20 (10%) charged off)


A (1.8%) B (21.6%) C (40.5%) D (24.7%) E (8.2%) F (3.2%) G(0.0%)
Payments  36 (99.0%) 60 (1.0%)

vs All Accounts: 25.46
vs Similar Age Accounts: 32.78
vs Similar Age and WAIR Accounts: 30.86

Thanks for compiling these stats!

Jenn
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: SLCPaladin on May 03, 2017, 12:19:19 PM
As of 5/3/2017:

Adjusted Net Annualized Return:  7.34%
Weighted Average Interest Rate: 14.21%
Weighted Average Age of Portfolio: 25.3 mos
Number of Notes: 6415

Grade
A (13.0%) B (27.8%) C (23.0%)
D (17.2%) E (15.9%) F (2.5%) G (0.6%)

Term
36 (42.7%) 60 (57.3%)

vs All Accounts: 84.59
vs Similar Aged Accounts: 92.22
vs Similar Aged and WAIR Accounts: 91.69
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Paulie2083 on May 04, 2017, 03:12:03 AM
Adjusted Net Annualized Return3 ?:   9.39%
Weighted Average Interest Rate:   19.57%
Weighted Average Age of Portfolio:   8.4 mos
Number of Notes:   1,315

(0.0%) B (0.0%) C(1.2%) D(64.0%) E(34.7%) F(0.0%) G(0.0%)
36(55.9%) 60(44.1%)

vs All Accounts:
94.44
vs Similar Age Accounts:
94.02
vs Similar Age and WAIR Accounts:
90.42
As of 5/4

Adjusted Net Annualized Return3 ?:   9.67%
Weighted Average Interest Rate:   19.60%
Weighted Average Age of Portfolio:   9.0 mos
Number of Notes:   1,383

(0.0%) B (0.0%) C(1.2%) D(64.0%) E(34.9%) F(0.0%) G(0.0%)

vs All Accounts:
94.52
vs Similar Age Accounts:
96.05
vs Similar Age and WAIR Accounts:
91.96
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on May 05, 2017, 06:15:53 PM
Apr'17 (vs Mar'17)
Image: http://i.imgur.com/EorngO4.jpg
Image: http://i.imgur.com/P6fB11B.jpg
Image: http://i.imgur.com/SZ4sHt4.jpg
<snip>
Added ANAR Compare URL to spreadsheet above: http://lc.geekminute.com/Home/ANARCompare
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: rubicon on May 31, 2017, 10:52:49 PM
May 31

https://www.lendingclub.com/account/summary.action
ANAR: 10.10% (combined return)
Number of notes: 31715

https://www.lendingclub.com/account/lenderBenchmarkReturns.action
Weighted Average Age of Portfolio: 23.0 months

https://www.lendingclub.com/account/lenderAccountDetail.action
Weighted Average Rate:16.46%
A: 0.3%
B: 4.8%
C: 31.3%
D: 34.5%
E: 22.0%
F: 5.9%
G:  1.2%

36: 88.3%
60: 11.7%
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Edward Reid on June 01, 2017, 12:29:52 AM
2017-06-01

Adjusted Net Annualized Return:   7.76%
Weighted Average Interest Rate:   13.76%
Weighted Average Age of Portfolio:   12.8 mos
Number of Notes:   464

Grade: A(0.4%) B (1.9%) C(96.0%) D(1.6%) E(0.0%) F(0.0%) G(0.0%)
Term: Payments  36(38.9%) 60(61.1%)

vs All Accounts: 86.99
vs Similar Age Accounts: 95.22
vs Similar Age and WAIR Accounts: 96.08

no folio
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: storm on June 01, 2017, 03:01:20 AM
Combined ANAR:  9.28%
Weighted Average Interest Rate:   15.13%
Weighted Average Age of Portfolio:   34.4 mos
Number of Notes:   6,624

A(0.0%) B (9.8%) C(44.6%) D(23.5%) E(17.3%) F(3.7%) G(1.2%)
36(35.5%) 60(64.5)

vs All Accounts: 93.34
vs Similar Age Accounts: 0.00
vs Similar Age and WAIR Accounts: 0.00

XIRR:  9.63%

Draining my account to pay off my mortgage since the bleeding continues...
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: SLCPaladin on June 01, 2017, 01:58:41 PM
As of 6/1/2017:

Adjusted Net Annualized Return:  7.30%
Weighted Average Interest Rate: 14.21%
Weighted Average Age of Portfolio: 26.3 mos
Number of Notes: 6415

Grade
A (12.9%) B (27.7%) C (23.0%)
D (17.3%) E (16.0%) F (2.5%) G (0.6%)

Term
36 (42.4%) 60 (57.6%)

vs All Accounts: 83.69
vs Similar Aged Accounts: 91.72
vs Similar Aged and WAIR Accounts: 90.17

I continue to draw down my account. Moving funds to FDIC-/NCUA-insured 3-5 year CDs.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Lovinglifestyle on June 01, 2017, 05:25:20 PM
Combined Adjusted Net Annualized Return 8.48%
Weighted Average Interest Rate:   18.70%
Weighted Average Age of Portfolio: 41.2 mos
Number of Notes: 5,801

A(0.4%) B (5.2%) C(11.5%) D(13.4%) E(41.0%) F(20.7%) G(7.7%)
Payments  36(37.9%) 60(62.1%)

vs All Accounts:
90.78
vs Similar Age Accounts:
0.00
vs Similar Age and WAIR Accounts:
0.00

Am in process of withdrawing 8K more as it accumulates, and sending it back to my short term treasury account to reimburse myself for LC taxes paid.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Rob L on June 01, 2017, 06:06:14 PM
As of 6/1/2017:

Combined Adjusted Net Annualized Return:  7.43%
Weighted Average Interest Rate: 17.42%
Weighted Average Age of Portfolio: 31.7 mos
Number of Notes: 9715

Grade
A (0.4%) B (6.0%) C (1.7%)
D (59.8%) E (31.4%) F (0.8%) G (0.0%)

Term
36 (100%) 60 (0%)

vs All Accounts: 85.25
vs Similar Aged Accounts: 0.0
vs Similar Aged and WAIR Accounts: 0.0

My account age is now past the end of the "Understanding Your Returns" chart. But for earth itself I'd have no blue dot.
Withdrew 25% of account value that had built up in cash since 2/16/2017 when I ceased all investments.
No plans to resume. Plan to invest withdrawals in Goldman Sachs.  :)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jz451 on June 02, 2017, 12:57:09 AM
Combined Adjusted Net Annualized Return:  10.94%
Weighted Average Interest Rate: 20.6%
Weighted Average Age of Portfolio: 24.46 mos
Number of Notes: 211

Grade
A (0.0%) B (0.0%) C (2.3%)
D (36.5%) E (43.0%) F (10.7%) G (7.4%)

Term
36 (0.3%) 60 (99.7%)

vs All Accounts: 96.91
vs Similar Aged Accounts: 99.83
vs Similar Aged and WAIR Accounts: 100
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Paulie2083 on June 03, 2017, 12:52:59 AM
Adjusted Net Annualized Return3 ?:   9.39%
Weighted Average Interest Rate:   19.57%
Weighted Average Age of Portfolio:   8.4 mos
Number of Notes:   1,315

(0.0%) B (0.0%) C(1.2%) D(64.0%) E(34.7%) F(0.0%) G(0.0%)
36(55.9%) 60(44.1%)

vs All Accounts:
94.44
vs Similar Age Accounts:
94.02
vs Similar Age and WAIR Accounts:
90.42
As of 5/4

Adjusted Net Annualized Return3 ?:   9.67%
Weighted Average Interest Rate:   19.60%
Weighted Average Age of Portfolio:   9.0 mos
Number of Notes:   1,383

(0.0%) B (0.0%) C(1.2%) D(64.0%) E(34.9%) F(0.0%) G(0.0%)

vs All Accounts:
94.52
vs Similar Age Accounts:
96.05
vs Similar Age and WAIR Accounts:
91.96

Adjusted Net Annualized Return3 ?:   9.79
Weighted Average Interest Rate:   19.62%
Weighted Average Age of Portfolio:   9.7 mos
Number of Notes:   1,421

(0.0%) B (0.0%) C(1.1%) D(64.3%) E(34.6%) F(0.0%) G(0.0%)

vs All Accounts:
94.64
vs Similar Age Accounts:
97.34
vs Similar Age and WAIR Accounts:
95.48
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jasondhsd on June 03, 2017, 01:47:57 AM
Horrible. Just fucking horrible.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: SeanMCA on June 03, 2017, 12:25:25 PM
Yeah, I have had a net loss over the last 9 months. All my account is doing is eroding all the "gains" booked from the first couple years.

I partially blame the early payoffs. About 40% of my notes have paid off early, depriving me of the interest I expected to earn over the loans' lifetimes from these good borrowers. In many cases, those borrowers paid off after the 12-month mark, meaning that Lending Club also charged me a 1% fee on my own outstanding principal.

Is Lending Club giving the good borrowers a 2nd loan and are a significant percentage of these borrowers using it to pay off their first ones? I believe they are. Thank you Lending Club for sticking me as the investor in the first loans with the resulting losses.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: apc3161 on June 03, 2017, 09:36:40 PM
Yeah, I have had a net loss over the last 9 months. All my account is doing is eroding all the "gains" booked from the first couple years.

I partially blame the early payoffs. About 40% of my notes have paid off early, depriving me of the interest I expected to earn over the loans' lifetimes from these good borrowers. In many cases, those borrowers paid off after the 12-month mark, meaning that Lending Club also charged me a 1% fee on my own outstanding principal.

Is Lending Club giving the good borrowers a 2nd loan and are a significant percentage of these borrowers using it to pay off their first ones? I believe they are. Thank you Lending Club for sticking me as the investor in the first loans with the resulting losses.

My thoughts exactly. I think LC should give you back the "origination fee" when they refinance a bowerer. Basically, they are just leaving you with non-paying loans. Quite frustrating.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: rawraw on June 04, 2017, 07:40:16 AM
I am making money again but  have had to reduce the size of my portfolio for tax reasons.  Given the stress last year and the size of my taxable account, I need to try to be tax efficient with my losses.  I'm not comfortable using retirement vehicles for my situation, but perhaps I need to start one
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Rob L on June 04, 2017, 09:37:44 AM
I am making money again but  have had to reduce the size of my portfolio for tax reasons.  Given the stress last year and the size of my taxable account, I need to try to be tax efficient with my losses.  I'm not comfortable using retirement vehicles for my situation, but perhaps I need to start one

Just curious about the stress test thing. I've not done one (bad on me) but if I had I would have taken '08 and '09 as worst case stress. Fred93 showed the other day that from LC's own numbers, chargeoffs for the higher risk grades are now (or have recently been) worse than they were back then. Obviously these chargeoffs could get even worse. How did you determine the stress in stress test? And also, did you include the possibility of losing everything for reasons such as a major fraud, lawsuit, or other black swan? After all, LC isn't too big to fail, so how did you handle that?
Title: Re: What does your &quot;Understanding Your Returns&quot; page look like? Here's mine
Post by: rawraw on June 04, 2017, 09:55:15 AM


I am making money again but  have had to reduce the size of my portfolio for tax reasons.  Given the stress last year and the size of my taxable account, I need to try to be tax efficient with my losses.  I'm not comfortable using retirement vehicles for my situation, but perhaps I need to start one

Just curious about the stress test thing. I've not done one (bad on me) but if I had I would have taken '08 and '09 as worst case stress. Fred93 showed the other day that from LC's own numbers, chargeoffs for the higher risk grades are now (or have recently been) worse than they were back then. Obviously these chargeoffs could get even worse. How did you determine the stress in stress test? And also, did you include the possibility of losing everything for reasons such as a major fraud, lawsuit, or other black swan? After all, LC isn't too big to fail, so how did you handle that?

I don't worry about Lending Club credit risk because I believe we'd see signs before it was necessary to think about it. The cash would start to decline, but they have a lot of it.

I didn't specifically use a stress test for the tax stuff but it was in the back of my mind.

Whenever I built a stress test a few years ago, I segmented my portfolio by grade. I then took the peak losses from the recession vintages by grade and assumed those losses happened immediately. I remove those losses  from the principal and recalculate earnings on the remaining notes in each sub group.  I also just assumed all currently past due notes were losses. It's a rough estimate but I think a useful guide for stressed losses. Then I tested the sensitivity of each loss assumption (1 assumption per grade) using a tornado diagram.



Sent from my SAMSUNG-SM-G935A using Tapatalk

Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jpildis on June 04, 2017, 09:59:56 AM
Combined Adjusted Net Annualized Return:  9.96%
Weighted Average Interest Rate: 20.87%
Weighted Average Age of Portfolio:  20.3 mos
Number of Notes: 3041 (excluding fully paid and charge-offs)

Grade
A (0.0%) B (0.0%) C (0.1%)
D (20.8%) E (47.4%) F (26.6%) G (5.1%)

Term
36 (2.8%) 60 (97.2%)

XIRR = 9.65%

Current (95.89%), IGP (0.92%), 16-30 (0.55%), 31+ (2.59%), default (0.06%)

FICO Trend = Up (79.41%), Flat (4.82%), Down (15.77%)

Can't really do comparisons as over 70% of my portfolio was purchased via Folio.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: dr.everett on June 04, 2017, 01:59:16 PM
Yeah, I have had a net loss over the last 9 months. All my account is doing is eroding all the "gains" booked from the first couple years.

I partially blame the early payoffs. About 40% of my notes have paid off early, depriving me of the interest I expected to earn over the loans' lifetimes from these good borrowers. In many cases, those borrowers paid off after the 12-month mark, meaning that Lending Club also charged me a 1% fee on my own outstanding principal.

Is Lending Club giving the good borrowers a 2nd loan and are a significant percentage of these borrowers using it to pay off their first ones? I believe they are. Thank you Lending Club for sticking me as the investor in the first loans with the resulting losses.

I'm in the same boat- made the decision today to wind down my LC Taxable account and move it to Fundrise. A couple of things led to this decision:

1. Lending Robot revised their estimates on my account and both accounts lost 2%

2. Seeing the posts here made me run my numbers for the year so far, each account has made only $1-2K for the year after all chargeoffs, losses, etc. (This was very eye opening...)

3. The small amount of money I current have in Fundrise has done nothing but grow at a rate of 8.25% each quarter. No losses, chargeoffs, nothing. Can't ignore that.

4. Once I figure out what needs to be done with my LC IRA account I'll start that process. I know from others it has to be well planned and thought out to avoid unnecessary costs. Going to dig up some of those threads on the forum and start seeing what others have done.

All in all very depressing.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: nonattender on June 04, 2017, 02:42:50 PM
https://www.youtube.com/watch?v=mypHpsSoF8o
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jennrod12 on June 04, 2017, 07:01:33 PM
Jennrod12 "Buy & Hold" account:

Adjusted Net Annualized Return3 ?:   4.04%
Weighted Average Interest Rate:   13.48%
Weighted Average Age of Portfolio:   19.6 mos
Number of Notes: 200
Number of Active Notes:137

A(1.8%) B (21.7%) C(40.9%) D(24.6%) E(7.8%) F(3.2%) G(0.0%)
Payments  36(99.0%) 60(1.0%)

vs All Accounts: 29.47
vs Similar Age Accounts: 36.98
vs Similar Age and WAIR Accounts: 37.00

Drawing down my accounts (this one and my larger IRA account) as the funds trickle in.

Jenn
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on June 06, 2017, 01:44:26 AM
...been on a roadtrip. Will be home in 3 or 4 days.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on June 11, 2017, 10:26:50 PM
Made it home but long journey. Hit deer which came through windshield and messed up one of my eyes. Working though the follow up additional doctor visits, surgery scheduling, etc this week. Will be back.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: SLCPaladin on June 12, 2017, 12:34:22 AM
Made it home but long journey. Hit deer which came through windshield and messed up one of my eyes. Working though the follow up additional doctor visits, surgery scheduling, etc this week. Will be back.

Oh man, that's terrible! So sorry to hear about this unfortunate accident. I hope you can get hooked up with some good specialists and ophthalmologists. I have no idea where you live, but the Moran Eye Center at University of Utah is top-notch for vision related issues (I'm an RN in Southern Utah).
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: AnilG on June 12, 2017, 01:54:16 AM
I hope you didn't destroy your Tesla. Just kidding  ;D Car can be replaced but life can't. I am glad to read that you survived relatively unscathed.. Hopefully no lasting damage and you will be back in saddle soon. My best wishes for speedy recovery.

Made it home but long journey. Hit deer which came through windshield and messed up one of my eyes. Working though the follow up additional doctor visits, surgery scheduling, etc this week. Will be back.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jheizer on June 12, 2017, 08:38:20 AM
Crap!  Good luck on a quick and full recovery.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Rob L on June 12, 2017, 08:49:02 AM
Sorry to hear. Best thoughts for a full and speedy recovery.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Lovinglifestyle on June 12, 2017, 10:45:55 AM
So sorry!!  What an ordeal for you!  Hope your procedures and healing go well.  Best wishes.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: rawraw on June 12, 2017, 12:48:56 PM
Made it home but long journey. Hit deer which came through windshield and messed up one of my eyes. Working though the follow up additional doctor visits, surgery scheduling, etc this week. Will be back.
Sorry to hear this buddy.  Get well and keep us updated (not on returns, but on you!)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on June 13, 2017, 01:05:58 PM
I appreciate that everyone. It has been a lot to process. I'm already antsy to get answers and understand the implications/prognosis for my sight. Very early in the financial implications as well and hope car and health insurance treat us reasonable.  Seeing ophthalmologist soon. Surprising my pain is not severe considering the impact to my eye and eye socket. 
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jennrod12 on June 18, 2017, 12:38:15 AM
Oh no!  Just logged in for the first time in a couple of weeks and saw this.  I'll say a prayer for you!

Jenn
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on June 18, 2017, 01:54:14 PM
I will work on the updates some today and perhaps tomorrow if I don't finish.  It is a little hard for me to stay focused in multiple senses of that word.

I hope you didn't destroy your Tesla. Just kidding  ;D Car can be replaced but life can't. I am glad to read that you survived relatively unscathed.. Hopefully no lasting damage and you will be back in saddle soon. My best wishes for speedy recovery.

Made it home but long journey. Hit deer which came through windshield and messed up one of my eyes. Working though the follow up additional doctor visits, surgery scheduling, etc this week. Will be back.

The car sacrificed itself for my son and I. After the deer hit us, we went off the road into a tree. That was likely a great thing as all the airbags would have been triggered to protect us.

(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2F43VWm5E.jpg&hash=04ec48b85aaf01b25c8b2273c64ae1fb)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: rawraw on June 18, 2017, 02:46:43 PM
Wow.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on June 18, 2017, 03:12:34 PM
May 17 (vs Apr'17)
Image: http://i.imgur.com/Rcz6k4H.jpg
Image: http://i.imgur.com/h9Bk9ee.jpg
Image: http://i.imgur.com/hJKR4JR.jpg
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: AnilG on June 18, 2017, 04:53:05 PM
Wow, looks like the car was a total loss. But I am glad that you and your son survived. Hopefully no lasting damage to the you both.

I will work on the updates some today and perhaps tomorrow if I don't finish.  It is a little hard for me to stay focused in multiple senses of that word.

The car sacrificed itself for my son and I. After the deer hit us, we went off the road into a tree. That was likely a great thing as all the airbags would have been triggered to protect us.

(https://forum.lendacademy.com/proxy.php?request=http%3A%2F%2Fi.imgur.com%2F43VWm5E.jpg&hash=04ec48b85aaf01b25c8b2273c64ae1fb)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: rubicon on June 18, 2017, 05:14:40 PM
glad you're both safe. hope you make a full recovery!
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jennrod12 on June 25, 2017, 05:43:53 PM
Thanks for the updated chart.  Hope you're doing better!  I hope your son is doing well, too, from the pic it looks like it was a traumatic experience.

Jenn
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on June 25, 2017, 07:18:10 PM
Thanks for the updated chart.  Hope you're doing better!  I hope your son is doing well, too, from the pic it looks like it was a traumatic experience.  Jenn

You are welcome.  My son is doing great. He only had some scrapes and no stitches. You could not tell he was in a car accident.  I am well overall except my left eye area. Continue to see Drs this week. I feel very fortunate overall and thankful it was not worse.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: RomanLegend on June 27, 2017, 06:47:05 PM
I've been working on an algorithm for about 3 years.  Seems to be doing pretty well!  I just created a webpage and need some Beta Testers to test the system for free.  If you're interested let me know!  Below is my output!

Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: rubicon on June 30, 2017, 10:26:09 PM
Jun 30

https://www.lendingclub.com/account/summary.action
ANAR: 10.17% (combined return)
Number of notes: 32034

https://www.lendingclub.com/account/lenderBenchmarkReturns.action
Weighted Average Age of Portfolio: 24.0 months

https://www.lendingclub.com/account/lenderAccountDetail.action
Weighted Average Rate:16.47%
A: 0.3%
B: 4.8%
C: 30.6%
D: 35.2%
E: 22.5%
F: 5.6%
G:  1.1%

36: 89.1%
60: 10.9%
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on July 01, 2017, 12:08:08 AM
ROTH

Adjusted Net Annualized Return3 ?:   5.27%
Weighted Average Interest Rate:   10.90%
Weighted Average Age of Portfolio:   21.8 mos
Number of Notes:   6,106

A (23.1%) B (30.6%) C (26.5%) D (10.5%) E (8.7%) F (0.3%) G (0.2%)
36 (65.8%) 60 (34.2%)


Taxable

Adjusted Net Annualized Return3 ?:   5.34%
Weighted Average Interest Rate:   12.06%
Weighted Average Age of Portfolio:   20.9 mos
Number of Notes:   11,435

A (27.8%) B (28.1%) C (20.9%) D (11.2%) E (8.3%) F (2.3%) G (1.4%)
36 (76.5%) 60 (23.5%)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Lovinglifestyle on July 01, 2017, 03:21:31 AM
Combined Return
Adjusted Net Annualized Return 8.46%

Weighted Average Interest Rate:   18.77%
Weighted Average Age of Portfolio:   42.8 mos
Number of Notes:   5,656

A(0.5%) B (3.4%) C(9.7%) D(12.5%) E(43.4%) F(21.8%) G(8.9%)

Payments  36(35.6%) 60(64.4%)

vs All Accounts:
90.50
vs Similar Age Accounts:
0.00
vs Similar Age and WAIR Accounts:
0.00
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: agd on July 01, 2017, 09:38:51 AM
Account #1
Adjusted Net Annualized Return 9.25%

Weighted Average Interest Rate:   21.45%
Weighted Average Age of Portfolio:   37.4 mos
Number of Notes:   2,696

Account #2
Adjusted Net Annualized Return 9.70%

Weighted Average Interest Rate:   21.35%
Weighted Average Age of Portfolio:   18.7 mos
Number of Notes:   8,056
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Rob L on July 01, 2017, 10:16:25 AM
As of 7/1/2017:

Combined Adjusted Net Annualized Return:  7.38%
Weighted Average Interest Rate: 17.42%
Weighted Average Age of Portfolio: 32.7 mos
Number of Notes: 9715

Notes Breakdown: Active: 3043 (31.3%), Fully Paid: 5309 (54.7%), Charged Off: 1363 (14.0%)
Number of Traded Notes: 1348

Grade
A (0.4%) B (6.0%) C (1.7%) D (59.6%) E (31.5%) F (0.8%) G (0.0%)

Term
36 (100%) 60 (0%)

Weighted Average Age is now past the end of the "Understanding Your Returns" chart (i.e. have no blue dot).
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Edward Reid on July 01, 2017, 12:41:33 PM
Holy cow. Or rather, unholy deer! Very glad that both cars and eye surgery are far better than 50 years ago. I've been through cataract surgery and retinal surgery; neither was nearly as painful as inflammation of third cranial nerve, which among other things resulted in loss of control of one eye for a couple of months. Just saying I know how hard it is to try to do anything with one eye out of commission.

2017-07-01

Adjusted Net Annualized Return:   7.75%
Weighted Average Interest Rate:   13.79%
Weighted Average Age of Portfolio:   13.3 mos
Number of Notes:   480

Grade: A (0.4%) B (1.9%) C (96.2%) D (1.6%) E (0.0%) F (0.0%) G (0.0%)
Term: Payments  36 (42.6%) 60 (57.4%)

vs All Accounts: 86.33
vs Similar Age Accounts: 95.52
vs Similar Age and WAIR Accounts: 96.36

(No folio)

Edward
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: storm on July 01, 2017, 03:34:37 PM
Combined ANAR:  9.20%
Weighted Average Interest Rate:   15.12%
Weighted Average Age of Portfolio:   35.4 mos
Number of Notes:   6,624
A (0.0%) B (9.8%) C (44.5%) D (23.4%) E (17.4%) F (3.7%) G (1.2%)
Payments  36 (35.0%) 60 (65.0%)

vs All Accounts:  92.27
vs Similar Age Accounts:  0.00
vs Similar Age and WAIR Accounts:  0.00

XIRR:  9.62%
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: dr.everett on July 01, 2017, 03:54:43 PM
IRA as of 7-1-17:

Combined Annualized Return:   7.80%
Weighted Average Interest Rate:   18.21%
Weighted Average Rate   18.29%
Weighted Average Age of Portfolio:   34.8 mos
Number of Notes:   12,634

Grade
A(0.3%) B (5.8%) C (18.1%) D (28.8%) E (33.3%) F (11.8%) G (1.9%)

Payments  36 (30.5%) 60 (69.5%)


Taxable as of 7-1-17:(in Liquidation)


Combined Annualized Return:   6.94%
Weighted Average Interest Rate:   19.47%
Weighted Average Rate   18.82%
Weighted Average Age of Portfolio:   23.2 mos
Number of Notes:   5,871


Grade
A (0.2%) B (5.5%) C (15.8%) D (26.2%) E (36.0%) F (13.9%) G (2.4%)

Payments  36 (21.8%) 60 (78.2%)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jz451 on July 03, 2017, 10:16:54 PM
Adjusted Net Annualized Return:   10.82%
Weighted Average Interest Rate:   20.43%
Weighted Average Age of Portfolio:   25.51 mos
Number of Notes: 218

Grade A(0%) B (0%) C(2.6%) D(37%) E(44.9%) F(8.9%) G(6.5%)

Term  36(0.2%) 60(99.8%)

Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Paulie2083 on July 04, 2017, 12:02:06 AM
anar compare is down

Adjusted Net Annualized Return3 ?:   9.63%
Weighted Average Interest Rate:   19.67%
Weighted Average Age of Portfolio:   10.4 mos
Number of Notes:   1,461
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jennrod12 on July 06, 2017, 09:06:22 PM
Jennrod12 "buy and hold" account - 7/6/17

Adjusted Net Annualized Return: 4.22%
Weighted Average Interest Rate: 13.48%
Weighted Average Age of Portfolio: 20.6 mos
Number of Notes: 200
Number of Active Notes: 134

A(1.2%) B(21.1%) C(41.3%) D(25.1%) E(8.0%) F(3.3%) G(0.0%)
 
36(98.9%) 60(1.1%)

vs All Accounts: 36.48
vs Similar Age Accounts: 43.67
vs Similar Age and WAIR Accounts: 44.02

Thanks!

Jenn
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jheizer on July 06, 2017, 09:53:26 PM
Compare page is back up
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Edward Reid on July 08, 2017, 10:33:37 PM
Compare page is back up
Fixed my numbers.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on July 09, 2017, 09:57:08 AM
If I don't get to this today (guest coming over) then I will tomorrow.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Edward Reid on July 09, 2017, 10:13:59 AM
Under the circumstances, I'm sure everyone here will understandyour taking a few more days ... or weeks. Take care of yourself first.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Lovinglifestyle on July 09, 2017, 05:58:54 PM
It's amazing that you're still doing this at all.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on July 12, 2017, 10:56:36 PM
Sorry for the extended then additional delay. Some things came up including my home A/C having issues. OK now.

Jun 17 (vs May 17)
Image: http://i.imgur.com/TsvLyLu.jpg
Image: http://i.imgur.com/XVgGZ1c.jpg
Image: http://i.imgur.com/kFTf43x.jpg
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: AnilG on July 12, 2017, 11:09:20 PM
When your health gets better, you should consider doing some analysis on the captured data and share your insights. Of course the findings may be biased toward Lake Wobegon residents.

Sorry for the extended then additional delay. Some things came up including my home A/C having issues. OK now.

Jun 17 (vs May 17)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Lovinglifestyle on July 29, 2017, 11:49:12 AM
I have wound down my account from $125K max to $15K now, with 900 active notes. 
Only bought 25 notes this month.  Have not totally quit (yet); buying only 36 mos. now.
Started in 2008. 
Question:  Should I continue to update in this thread or drop out??
Don't want to keep the chart unnecessarily longer than is helpful.
Any input would be appreciated.  Thanks.


Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on July 29, 2017, 12:11:21 PM
I have wound down my account from $125K max to $15K now, with 900 active notes. 
Only bought 25 notes this month.  Have not totally quit (yet); buying only 36 mos. now.
Started in 2008. 
Question:  Should I continue to update in this thread or drop out??
Don't want to keep the chart unnecessarily longer than is helpful.
Any input would be appreciated.  Thanks.
Very thoughtful of you to ask.
I would think it would be most useful and representative for those actively buying notes/reinvesting.
A lot of folks seem to be winding down. I'm winding down my taxable account certainly.
I may continue this to the end of the year (2017) but no longer.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Lovinglifestyle on July 29, 2017, 09:41:04 PM
Thanks very much for your reply.
It's ok to go ahead and drop me off then.
I greatly appreciate all the work you've put into this project!
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: rubicon on July 31, 2017, 10:28:34 PM
Jul 31

ANAR: 10.26% (combined return)
Number of notes: 26328

https://www.lendingclub.com/account/lenderBenchmarkReturns.action
Weighted Average Age of Portfolio: 25.1 months

https://www.lendingclub.com/account/lenderAccountDetail.action
Weighted Average Rate:16.40%
A: 0.1%
B: 4.6%
C: 32.1%
D: 35.5%
E: 21.7%
F: 4.9%
G:  1.1%

36: 91.2%
60: 8.8%


This will be my last update as I'm selling down my portfolio. I'm seeing significant deterioration in returns in certain months this year.


(https://preview.ibb.co/c0UEzk/LC.jpg) (https://ibb.co/krAyQQ)
photo host site (https://imgbb.com/)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: storm on August 01, 2017, 12:23:41 AM
Combined ANAR:  8.84%
Weighted Average Interest Rate:   15.12%
Weighted Average Age of Portfolio: 36.4 mos
Number of Notes: 6,624

A (0.0%) B (9.6%) C (44.6%) D (23.2%) E (17.6%) F (3.7%) G (1.2%)
36 (34.7%) 60 (65.3%)

vs All Accounts: 92.22
vs Similar Age Accounts: 0.00
vs Similar Age and WAIR Accounts: 0.00

XIRR:  9.53%

Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Edward Reid on August 01, 2017, 12:46:57 AM
2017-08-01

Adjusted Net Annualized Return:   8.02%
Weighted Average Interest Rate:  13.78%
Weighted Average Age of Portfolio:  14.0 mos
Number of Notes:  492

Grade A (0.4%) B (1.8%) C (96.4%) D (1.5%) E (0.0%) F (0.0%) G (0.0%)
Term Payments  36 (44.4%) 60 (55.6%)

vs All Accounts: 88.92
vs Similar Age Accounts: 97.35
vs Similar Age and WAIR Accounts: 97.72

(no folio)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on August 01, 2017, 10:58:14 AM
ROTH IRA
Adjusted Net Annualized Return3 ?:   5.17%
Weighted Average Interest Rate:   10.90%
Weighted Average Age of Portfolio:   22.4 mos
Number of Notes:   6,456

A (23.7%) B (30.9%) C (25.8%) D (10.4%) E (8.6%) F (0.3%) G (0.3%)
36 (67.4%) 60 (32.6%)

Taxable
Adjusted Net Annualized Return3 ?:   5.26%
Weighted Average Interest Rate:   12.05%
Weighted Average Age of Portfolio:   21.9 mos
Number of Notes:   11,531

A (27.7%) B (28.2%) C (20.8%) D (11.1%) E (8.3%) F (2.3%) G (1.5%)
 36 (76.4%) 60 (23.6%)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Rob L on August 01, 2017, 10:59:34 AM
As of 8/1/2017:

Combined Adjusted Net Annualized Return:  7.28%
Weighted Average Interest Rate: 17.42%
Weighted Average Age of Portfolio: 33.7 mos
Number of Notes: 9714

Notes Breakdown: Active: 2847 (29.3%), Fully Paid: 5464 (56.2%), Charged Off: 1403 (14.4%)
Number of Traded Notes: 1348

Grade
A (0.4%) B (6.0%) C (1.7%) D (59.3%) E (31.8%) F (0.8%) G (0.0%)

Term
36 (100%) 60 (0%)

Weighted Average Age is now past the end of the "Understanding Your Returns" chart (i.e. earth is my blue dot).

--> lascott: hope you are progressing well!
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jz451 on August 01, 2017, 12:54:45 PM
Been a rough month had a surge for my small account in notes being delinquent.

Combined ANAR:  9.64%
Weighted Average Interest Rate:   20.4%
Weighted Average Age of Portfolio: 26.47 mos
Number of Notes: 214

A (0.0%) B (0.0%) C (2.9%) D (39.3%) E (43.4%) F (9.3%) G (5.1%)
36 (0.2%) 60 (99.8%)

vs All Accounts: 94.69
vs Similar Age Accounts: 99.52
vs Similar Age and WAIR Accounts: 98.73
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Paulie2083 on August 02, 2017, 10:52:32 PM
unusual to see many people here winding their accounts down at around the same time. i am as well. something in the air maybe?

COMBINED Adjusted Net Annualized Return3 ?:   9.48%
Weighted Average Interest Rate:   19.68%
Weighted Average Age of Portfolio:   11.3 mos
Number of Notes:   1,384

vs All Accounts:
94.27
vs Similar Age Accounts:
98.70
vs Similar Age and WAIR Accounts:
97.42

A (0.0%) B (0.0%) C (1.1%) D (63.6%) E (35.3%) F (0.0%) G (0.0%)
Payments  36 (56.7%) 60 (43.3%)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: storm on August 02, 2017, 11:32:48 PM
unusual to see many people here winding their accounts down at around the same time. i am as well. something in the air maybe?

My returns have been trending down for about a year now, and just when it looks like it is leveling off, I have another really bad month.  I have a smaller IRA account that I'm still investing in (not reported here), but the returns are going south on it too.  Meanwhile, the DOW reached an all time high today.  Why should I keep my money at LC?
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Fred93 on August 03, 2017, 01:18:25 AM
Meanwhile, the DOW reached an all time high today.  Why should I keep my money at LC?

Diversification.  DOW will go down.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: .Ryan. on August 03, 2017, 10:28:17 AM
My returns have been trending down for about a year now, and just when it looks like it is leveling off, I have another really bad month.

Storm, your CANAR is almost 9%, and your XIRR is even higher (per your previous post). Out of curiosity, by what standard did you have another really bad month?
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Edward Reid on August 03, 2017, 12:29:32 PM
Meanwhile, the DOW reached an all time high today.  Why should I keep my money at LC?
Diversification.  DOW will go down.
And lower volatility, depending on your choices. Those investing in E/F class may consider the risk similar to stocks. But I'm mostly in hand-picked class C, and evidence from the past is that this portfolio is far less volatile than stocks, not as safe as bonds but with far better returns than bonds and virtually no risk of loss of capital. My ANAR dropped under 8% the past few months and crept back up to 8%, and my portfolio is now old enough to have reached its likely minimum ANAR. I realize that it isn't likely to maintain 8% all the way to the end, but it still offers a combination of return and safety that's hard to find elsewhere.

Edward
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: storm on August 03, 2017, 02:39:26 PM
Storm, your CANAR is almost 9%, and your XIRR is even higher (per your previous post). Out of curiosity, by what standard did you have another really bad month?

I've been doing this for over 9 years, and the ANAR and XIRR are very much imperfect and lagging indicators.  When I annualize my month-to-month numbers and do a 1 year trailing XIRR, my return is closer to 5.5-6%.  Furthermore, my monthly charge-offs are typically 2-3 times the gain I'm making.  I haven't had a negative month yet, but I've come very close.

I haven't completely lost hope, or I would have sold all my notes by now.  6% return is nothing to sneeze at, but looking at the trend plus the high amount of charge-offs are having me re-evaluate this investment.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: .Ryan. on August 03, 2017, 09:13:21 PM
Storm, your CANAR is almost 9%, and your XIRR is even higher (per your previous post). Out of curiosity, by what standard did you have another really bad month?

I've been doing this for over 9 years, and the ANAR and XIRR are very much imperfect and lagging indicators.  When I annualize my month-to-month numbers and do a 1 year trailing XIRR, my return is closer to 5.5-6%.  Furthermore, my monthly charge-offs are typically 2-3 times the gain I'm making.  I haven't had a negative month yet, but I've come very close.

I haven't completely lost hope, or I would have sold all my notes by now.  6% return is nothing to sneeze at, but looking at the trend plus the high amount of charge-offs are having me re-evaluate this investment.

Thank you for the response Storm. I've become pretty frustrated myself with the way each service (both platform and management/robo services) that I use calculate returns. Each boast of the 8%+ that I am, or will be, earning, but even my simple math tells me that number isn't even close to reality.

Rob L's (whom I respect on this board very much) posts on his returns caught my eye. If you read in his "worst month yet" post, you'll see that in the last 8 of 10 months there has been a neutral to negative return. However according to this thread, his CANAR as reported by LC is nearly 7.4%. How can that be?       
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Rob L on August 04, 2017, 10:21:10 AM
Rob L's (whom I respect on this board very much) posts on his returns caught my eye. If you read in his "worst month yet" post, you'll see that in the last 8 of 10 months there has been a neutral to negative return. However according to this thread, his CANAR as reported by LC is nearly 7.4%. How can that be?     

ANAR and CANAR are computed by LC for all notes you now own or have ever owned. The first couple of years or so I enjoyed an ANAR percentage in the low teens. All loans were 36 month term so many are now either fully paid or charged off. These were very profitable. My current CANAR reflects a steady slide downward, the start of which somewhat predated the start of the "worst month yet" thread. Last fall I sold about half my notes on Folio (1348 notes). My "Traded Notes" ANAR is 16.73% resulting from that selling. Today my "Primary Notes" ANAR is 6.55% and combined CANAR is 7.29%.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: arcee49 on August 04, 2017, 12:23:39 PM
What is CANAR?  I haven't seen that defined anywhere on LC or on this forum.  It seems to have just appeared randomly in this thread...
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: SLCPaladin on August 04, 2017, 01:26:19 PM
What is CANAR?  I haven't seen that defined anywhere on LC or on this forum.  It seems to have just appeared randomly in this thread...

Combined Adjusted Net Annualized Return.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Fred93 on August 04, 2017, 02:11:40 PM
Rob L's (whom I respect on this board very much) posts on his returns caught my eye. If you read in his "worst month yet" post, you'll see that in the last 8 of 10 months there has been a neutral to negative return. However according to this thread, his CANAR as reported by LC is nearly 7.4%. How can that be?     

Whoa.   Several answers.

1. It is not correct that "the last 8 of 10 months there has beena  neutral to negative return".  True I'm sure for some people.  My return has been positive.  May be true on the average for posters to this thread, but that's the nature of this thread.  Your return and my return doesn't have to match some other guy's return.

2. ANAR/CANAR are computed FOR ALL TIME.  I've been investing here for 9 years.  ANAR is a return measure that is effectively averaged over that 9 years.  It doesn't say anything about my return for the last few months.  I could have a few months of negative return and that would reduce my ANAR just a little bit. A return measure (of any kind) computed over the last month doesn't have to match some other return measure computed over several years.

I suggest you compute your own measure of return.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: arcee49 on August 04, 2017, 02:27:11 PM
What is CANAR?  I haven't seen that defined anywhere on LC or on this forum.  It seems to have just appeared randomly in this thread...

Combined Adjusted Net Annualized Return.

Thanks, that makes sense.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: .Ryan. on August 04, 2017, 04:33:37 PM
Rob L's (whom I respect on this board very much) posts on his returns caught my eye. If you read in his "worst month yet" post, you'll see that in the last 8 of 10 months there has been a neutral to negative return. However according to this thread, his CANAR as reported by LC is nearly 7.4%. How can that be?     

Whoa.   Several answers.

1. It is not correct that "the last 8 of 10 months there has beena  neutral to negative return".  True I'm sure for some people.  My return has been positive.  May be true on the average for posters to this thread, but that's the nature of this thread.  Your return and my return doesn't have to match some other guy's return.

Sorry Fred93, I should have been more clear. I was referring specifically to Rob L's returns, and not the sum total. I was just pointing out a case of someone who has had a significanct string of negative negative months lately but still has a positive CANAR (which you and he have clearly explained why).

I suggest you compute your own measure of return.

You're right, I don't argue that at all. I'm just adding that to the list of things you need to do (or pay someone to do) in P2P investing nowadays. You need to figure out an optimal investing strategy, you need to pick your own notes, you need to calculate your own measure of return, you need to determine the tax implications.....

I feel like I spend a boatload of time on this for ~5% (and falling) current return.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Fred93 on August 04, 2017, 04:50:35 PM
I feel like I spend a boatload of time on this for ~5% (and falling) current return.

~5% return is very hard to find these days.   Don't underestimate its value.

There are no reasonable bonds that will give you 5% return on a 12 month duration investment.  (LC and Prosper 3 year notes  have about a 12 month duration.  Would be 18 months if all paid on schedule, but many prepay.)  The value of short duration investing is that you bear very little interest rate risk.  Compare similar duration investments.  Don't compare LC notes with their 12 month duration to 30 year bonds, which may have a 20 year duration.

I have some short term money in treasuries and CDs.  I can get as much as 1% these days!  Whoopee!

On the stock market ... A lot of people look at recent past returns, and say "Hey, the stock market is returning X%", but that's not the right way to look at it.  The stock market is highly valued now, which means that the chances for a large return in stocks over the next several years is very small.  Stock market now has a lot of risk.  That doesn't mean you shouldn't invest there.  It just means you need some other sorts of investments as well.

A short duration investment with a 5% return is still a gift.  Isn't as good as it was a few years ago, but then what is.


Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: storm on August 04, 2017, 06:50:17 PM
I think we conceded early on in this thread that LC's ANAR was not very accurate, but it is right there when you log in.  It doesn't depend on my bad math and Excel skills.  It is quick to change when returns go up or down though.  XIRR is very slow to show a trend change.  Calculating simple interest from month to month doesn't factor in compounding.  There are pros and cons to all these calculations.  Keep that in mind when judging the numbers.

There are some 2%+ CDs out there.  Probably not a wise idea to lock up money right now if the Fed keeps raising rates.  I agree that the stock market is likely to meet some resistance before going any higher.  Some ETFs like VCLT (Vanguard investment-grade long-term corporate bonds) are paying 4% annualized monthly dividends if you buy and hold and ignore the share price fluctuations.  Not too shabby if you are looking to diversify unless I'm missing something.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Rob L on August 04, 2017, 07:19:30 PM
What is CANAR?  I haven't seen that defined anywhere on LC or on this forum.  It seems to have just appeared randomly in this thread...

Combined Adjusted Net Annualized Return.

Thanks, that makes sense.

Just to be clear, CANAR is something that happens when you trade notes on Folio. It "combines" your primary (buy and hold) note returns with the returns from notes traded on Folio. Guess my Folio note trading was profitable since my CANAR is a point or so above my ANAR. Presently I don't pay a lot of attention to either as I'm letting my portfolio run off at its own pace.  I hear the Fed plans to do the same with its balance sheet but control the pace and at a somewhat larger scale :)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on August 07, 2017, 02:31:35 PM
Jul 17 (vs Jun 17)
Image: http://i.imgur.com/XOd8naD.jpg
Image: http://i.imgur.com/Jm3Ab9Z.jpg
Image: http://i.imgur.com/XAGzv6k.jpg
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: arcee49 on August 07, 2017, 03:13:27 PM
What is CANAR?  I haven't seen that defined anywhere on LC or on this forum.  It seems to have just appeared randomly in this thread...

Combined Adjusted Net Annualized Return.

Thanks, that makes sense.

Just to be clear, CANAR is something that happens when you trade notes on Folio. It "combines" your primary (buy and hold) note returns with the returns from notes traded on Folio. Guess my Folio note trading was profitable since my CANAR is a point or so above my ANAR. Presently I don't pay a lot of attention to either as I'm letting my portfolio run off at its own pace.  I hear the Fed plans to do the same with its balance sheet but control the pace and at a somewhat larger scale :)

Yeah, I've been trading on Folio (well, just buying) for a while now so I was familiar with the combined ANAR.  Which mine is currently ~5 points above the notes I bought straight from LC.  I had just never seen that return calculation referred to as CANAR before, but I should have been able to figure that one out.

Wish I had a balance sheet the size of the Fed...  :P
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: SLCPaladin on August 07, 2017, 03:43:14 PM
Quote
I feel like I spend a boatload of time on this for ~5% (and falling) current return.

This sentence pretty much sums up my thoughts right now. In the early days, I think LC investment was a no-brainer. I cautiously recommended this as an asset class to friends and family. Now though, the risk/reward equation has shifted.

In looking at the returns by lascott's wonderful spreadsheet, it's apparent to me that I am about middle of the pack here, although on LC's own chart I'm definitely in the upper 80-90% of investors based on my portfolio characteristics. I'm pushing about 7% lifetime returns, but recent returns have been dismal due to higher default rates.

The amount of time and effort I have needed to invest to learn, select, pick, and try to earn a higher yield is becoming too high for me., and I don't even trade on Folio. It's not that I don't think it can't be done, it's just that I don't want to do it anymore. I'm an RN, not a programmer, accountant, banker, analyst, etc. so my skill set is decidedly different than probably a lot of posters here. I'd rather pick up an extra shift at the hospital and get overtime and keep my eye out for FDIC-insured CDs (which I have over $200k in at 3.1%) and wait for the stock market/bond market to re-correct and purchase. Just my 2 cents.

Now if LC were to raise there rates and figure out how not to punish investors for early payoffs, I'd probably reconsider my decision.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Edward Reid on September 02, 2017, 12:47:16 PM
2017-09-02

Adjusted Net Annualized Return:   7.44%
Weighted Average Interest Rate:   13.80%
Weighted Average Age of Portfolio:   14.6 mos
Number of Notes:   502

Grade: A (0.4%) B (1.7%) C (96.5%) D (1.4%) E (0.0%) F (0.0%) G (0.0%)
Term: Payments  36 (46.3%) 60 (53.7%)

vs All Accounts: 88.72
vs Similar Age Accounts: 97.31
vs Similar Age and WAIR Accounts: 97.70

(no folio)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Paulie2083 on September 02, 2017, 03:33:55 PM
unusual to see many people here winding their accounts down at around the same time. i am as well. something in the air maybe?

COMBINED Adjusted Net Annualized Return3 ?:   9.48%
Weighted Average Interest Rate:   19.68%
Weighted Average Age of Portfolio:   11.3 mos
Number of Notes:   1,384

vs All Accounts:
94.27
vs Similar Age Accounts:
98.70
vs Similar Age and WAIR Accounts:
97.42

A (0.0%) B (0.0%) C (1.1%) D (63.6%) E (35.3%) F (0.0%) G (0.0%)
Payments  36 (56.7%) 60 (43.3%)

COMBINED Adjusted Net Annualized Return3 ?:   9.28%
Weighted Average Interest Rate:   19.76%
Weighted Average Age of Portfolio:   12.4 mos
Number of Notes:   1,243

vs All Accounts:
95.32
vs Similar Age Accounts:
99.32
vs Similar Age and WAIR Accounts:
99.03

A(0.0%) B (0.0%) C (1.1%) D (61.1%) E (37.7%) F (0.0%) G (0.0%)
Payments  36 (52.1%) 60 (47.9%)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jennrod12 on September 03, 2017, 07:00:55 PM
Jennrod12 "buy & hold" account - I missed last month, sorry about that!

Adjusted Net Annualized Return: 3.73%
Weighted Average Interest Rate:   13.48%
Weighted Average Age of Portfolio:   22.6 mos
Number of Notes:   200
Number of Active Notes:   126

A(1.2%) B (21.2%) C(41.2%) D(25.3%) E(8.4%) F(2.6%) G(0.0%)
Payments  36(98.8%) 60(1.2%)

vs All Accounts:  36.87
vs Similar Age Accounts:  38.53
vs Similar Age and WAIR Accounts:  36.71

Not much action in this account these days, other than continuing monthly payments and early payoffs.  However, the return is down to "3.73%" on the Lending Club landing page.  23 of the original 200 loans have charged off, 51 have paid off  (22 mos average age).  I'm also holding in my much larger IRA account, and haven't re-invested any this year, charge-offs keep piling up there (account opened late 2015, at the worst time, I know, but I put money into it through 2016 and never saw any improvement, so I've stopped).

Thanks,

Jenn
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Rob L on September 04, 2017, 10:29:19 AM
As of 9/1/2017:

Combined Adjusted Net Annualized Return:  7.16%
Weighted Average Interest Rate: 17.42%
Weighted Average Age of Portfolio: 34.8 mos
Number of Notes: 9714

Notes Breakdown: Active: 2639 (27.2%), Fully Paid: 5627 (57.9%), Charged Off: 1448 (14.9%)
Number of Traded Notes: 1348

Grade
A (0.4%) B (6.0%) C (1.7%) D (59.2%) E (31.8%) F (0.9%) G (0.0%)

Term
36 (100%) 60 (0%)

Weighted Average Age is now past the end of the "Understanding Your Returns" chart (i.e. earth is my blue dot).
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: SLCPaladin on September 04, 2017, 10:58:35 AM
As of 9/4/2017:

Adjusted Net Annualized Return:  7.04%
Weighted Average Interest Rate: 14.21%
Weighted Average Age of Portfolio: 29.4 mos
Number of Notes: 6415

Grade
A (12%) B (27.1%) C (23.2%)
D (17.6%) E (16.8%) F (2.6%) G (0.7%)

Term
36 (41.1%) 60 (58.9%)

vs All Accounts: 86.49
vs Similar Aged Accounts: 92.89
vs Similar Aged and WAIR Accounts: 92.75

My blue dot is almost off the chart now.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Lovinglifestyle on September 04, 2017, 01:49:30 PM
As of 9/4/2017:

Combined Net Adjusted Annualized Return:  8.36%
Weighted Average Interest Rate:                18.93%
Weighted Average Age of Portfolio:             45.6 mos
Number of Notes:  5435

Notes Breakdown:  Active: 885; Fully Paid: 4221; Charged Off: 328                               
Number of Traded Notes:  6786 (3.70 ANAR)

Grade:
A(0.6%) B (1.9%) C(5.3%) D(11.1%) E(47.3%) F(24.2%) G(9.6%)

Term:
36(41.2%) 60(58.8%)

vs All Accounts: 92.90

Am still winding down, mostly for tax reasons and common sense re net returns vs. effort.

Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on September 12, 2017, 04:01:53 PM
Sorry for the delay. Thanks for stories/input. Will continue this until end of year (Jan for Dec numbers). I have another surgery very early next month so not quite sure of the delay in updates but you can provide your numbers.

Aug 17 (vs Jul 17)
Image: https://i.imgur.com/rRVuMeS.jpg
Image: https://i.imgur.com/SLhL0so.jpg
Image: https://i.imgur.com/PhDemyT.jpg
(https://i.imgur.com/rRVuMeS.jpg)
(https://i.imgur.com/SLhL0so.jpg)
(https://i.imgur.com/PhDemyT.jpg)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Lovinglifestyle on September 12, 2017, 05:16:22 PM
I hope your next surgery takes care of whatever that problem is.  Waiting for surgeries is awful.  Hope you're nearing the end of them, successfully.  I empathize. Thank you for the chart this month.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on September 12, 2017, 05:37:39 PM
I hope your next surgery takes care of whatever that problem is.  Waiting for surgeries is awful.  Hope you're nearing the end of them, successfully.  I empathize. Thank you for the chart this month.
Thanks. They need to reconstruct the eye orbit area (again). I think we have the right person for the job. I'll be OK one way or the other. Ups and downs but my perspective keeps being adjusted. Lot of people in the NW and SE parts of the USA (plus islands) who are suffering in longterm difficult ways (fires, flooding, huricanes, etc).
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: twigster on September 17, 2017, 03:40:53 PM
2017-09-17

Adjusted Net Annualized Return:   6.73%
Weighted Average Interest Rate:   12.20%
Weighted Average Age of Portfolio:   20.7 mos
Number of Notes:   3793

Grade: A (37.7%) B (2.4%) C (35.6%) D (17.6%) E (6.5%) F (.2%) G (.1%)
Term: Payments  36 (46.3%) 60 (53.7%)

vs All Accounts: 84.95
vs Similar Age Accounts: 96.43
vs Similar Age and WAIR Accounts: 95.61

_______________________________________________________________
I continue converting to grade A loans since December of 2016.  So now I am buying just A loans and started with zero in December.  Out of 1100 loans so far 1 has charged off and there are 3 which are headed that way.  In the meantime my returns have been negative or about zero for the past few months as there are a lot of charge off on the other loans.  Looks fairly dismal but still waiting to see how it goes with the new A loans. 

lascott:  good luck on the surgery. 
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Edward Reid on September 30, 2017, 10:44:13 PM
lc.geekminute.com is down.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Rob L on October 01, 2017, 04:48:12 PM
As of 10/1/2017:

Combined Adjusted Net Annualized Return:  7.09%
Weighted Average Interest Rate: 17.42%
Weighted Average Age of Portfolio: 35.7 mos
Number of Notes: 9714

Notes Breakdown: Active: 2505 (25.8%), Fully Paid: 5721 (58.9%), Charged Off: 1488 (15.3%)
Number of Traded Notes: 1348

Grade
A (0.4%) B (6.0%) C (1.7%) D (59.0%) E (32.0%) F (0.9%) G (0.0%)

Term
36 (100%) 60 (0%)

Weighted Average Age is now past the end of the "Understanding Your Returns" chart (i.e. earth is my blue dot).

lascott .. hope you are doing well!
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Lovinglifestyle on October 01, 2017, 06:57:21 PM

Primary Adjusted Net Annualized Return: 13.92%
Weighted Average Interest Rate:   18.58%
Weighted Average Age of Portfolio: 48.3 mos
Number of Notes: 5,142

Notes Breakdown:  Active: 556.  Fully paid: 4247.  Charged off: 339
Traded:  7091
Traded ANAR: 3.58%
Combined ANAR: 8.13%


Grade
A (0.8%) B (2.7%) C (6.8%) D (12.4%) E (47.3%) F (21.2%) G (8.9%)

Term
36(35.9%) 60(64.1%)

Am still withdrawing my accumulated interest while it's still there.  I doubt that LC has any intention of doing any of the things that might make me change my mind.

lascott:  Best wishes for your continued recovery!
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jheizer on October 01, 2017, 10:43:52 PM
lc.geekminute.com is down.

Traveling. I'll look at it in a week.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: storm on October 01, 2017, 11:10:55 PM
Combined ANAR: 8.37%
Weighted Average Interest Rate:   15.05%
Weighted Average Age of Portfolio:   38.3 mos
Number of Notes:   6,657

Grades A (0.0%) B (11.2%) C (44.9%) D (22.0%) E (17.2%) F (3.6%) G (1.1%)
Payments  36 (36.6%) 60 (63.4%)

XIRR:  8.78%
Trailing 12 month (TTM) XIRR:  3.07%

Sold off a bunch of late loans and invested in a few new loans.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on October 03, 2017, 09:15:55 PM
Aside: lascott .. hope you are doing well!  ; lascott:  Best wishes for your continued recovery! --- started the recovery yesterday, and happy to be home in my own bed tonight.

Taxable:
Adjusted Net Annualized Return3 ?:   5.07%
Weighted Average Interest Rate:   12.05%
Weighted Average Age of Portfolio:   23.9 mos
Number of Notes:   11,537

A (27.1%) B (27.9%) C (20.7%) D (11.6%) E (8.6%) F (2.5%) G (1.5%)
36 - 75.5

ROTH IRA:
Adjusted Net Annualized Return3 ?:   4.86%
Weighted Average Interest Rate:   10.86%
Weighted Average Age of Portfolio:   23.8 mos
Number of Notes:   6,843

A (24.9%) B (31.1%) C (24.6%) D (10.3%) E (8.5%) F (0.4%) G (0.3%)
36 - 67.9
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Paulie2083 on October 04, 2017, 03:14:09 PM
Adjusted Net Annualized Return3 ?:   8.61
Weighted Average Interest Rate:   19.80%
Weighted Average Age of Portfolio:   13.4 mos
Number of Notes:   1,163

Payments  36 (52.1%) 60 (47.9%)
A (0.0%) B (0.0%) C (1.2%) D (60.5%) E (38.3%) F (0.0%) G (0.0%)

anar is down, ill edit later.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on October 17, 2017, 12:09:29 AM
Sorry for the delay again. Will continue this until end of year (Jan for Dec numbers).  Aside: My surgery went pretty well but unfortunately I'll need a follow up one in another in 3-4 months. Overall I'm doing OK.

Sept 17 (vs Aug 17)
Image: https://i.imgur.com/EEi739B.jpg
Image: https://i.imgur.com/s8puECM.jpg
Image: https://i.imgur.com/Zk1VSGX.jpg
<snip>
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Edward Reid on November 01, 2017, 08:00:17 PM
2017-11-01

Adjusted Net Annualized Return:    7.68%
Weighted Average Interest Rate:    13.81%
Weighted Average Age of Portfolio:    15.4 mos
Number of Notes: 528

Grade: A (0.3%) B (1.6%) C (97.1%) D (1.0%) E (0.0%) F (0.0%) G (0.0%)
Term: Payments  36 (50.5%) 60 (49.5%)

vs All Accounts: 93.60
vs Similar Age Accounts: 98.66
vs Similar Age and WAIR Accounts: 98.94

(no folio)

2017-10-01 (since I never got around to posting it)

Adjusted Net Annualized Return:    7.60%
Weighted Average Interest Rate:    13.80%
Weighted Average Age of Portfolio:    15.1 mos
Number of Notes:    512

Grade: A (0.4%) B (1.6%) C (96.7%) D (1.3%) E (0.0%) F (0.0%) G (0.0%)
Term: Payments  36 (48.2%) 60 (51.8%)

vs All Accounts: 93.17
vs Similar Age Accounts: 98.31
vs Similar Age and WAIR Accounts: 98.58

(no folio)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on November 01, 2017, 11:52:24 PM
Taxable:
Adjusted Net Annualized Return3 ?:   5.04%
Weighted Average Interest Rate:   12.05%
Weighted Average Age of Portfolio:   24.9 mos
Number of Notes:   11,537
A (26.6%) B (27.6%) C (20.8%) D (11.8%) E (8.9%) F (2.6%) G (1.6%)
36 - 74.9%
vs All Accounts: 68.60
vs Similar Age Accounts: 71.78
vs Similar Age and WAIR Accounts: 67.85

ROTH IRA:
Adjusted Net Annualized Return3 ?:   4.82%
Weighted Average Interest Rate:   10.86%
Weighted Average Age of Portfolio:   24.8 mos
Number of Notes:   6,843
A (24.3%) B (30.9%) C (24.8%) D (10.6%) E (8.8%) F (0.4%) G (0.3%)
36 - 66.8%
vs All Accounts: 65.14
vs Similar Age Accounts: 67.19
vs Similar Age and WAIR Accounts: 58.20
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Rob L on November 02, 2017, 09:17:33 AM
As of 11/1/2017:

Combined Adjusted Net Annualized Return:  7.00%
Weighted Average Interest Rate: 17.42%
Weighted Average Age of Portfolio: 36.8 mos
Number of Notes: 9714

Notes Breakdown: Active: 2332 (23.2%), Fully Paid: 5853 (60.9%), Charged Off: 1529 (15.9%)
Number of Traded Notes: 1348

Grade
A (0.4%) B (5.8%) C (1.7%) D (58.8%) E (32.3%) F (0.9%) G (0.0%)

Term
36 (100%) 60 (0%)

Weighted Average Age is now past the end of the "Understanding Your Returns" chart (i.e. earth is my blue dot).
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: SLCPaladin on November 02, 2017, 09:39:43 AM
As of 11/2/2017:

Adjusted Net Annualized Return:  6.92%
Weighted Average Interest Rate: 14.21%
Weighted Average Age of Portfolio: 31.4 mos
Number of Notes: 6415

Grade
A (11.3%) B (26.8%) C (23.4%)
D (17.8%) E (17.2%) F (2.7%) G (0.7%)

Term
36 (40.6%) 60 (59.4%)

For me it's the same old, same old. I continue to draw down my account. At this point I'm kicking myself that I have so many 5-year notes. This is taking forever.
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Paulie2083 on November 02, 2017, 09:53:16 PM
Adjusted Net Annualized Return3 ?:   8.61
Weighted Average Interest Rate:   19.80%
Weighted Average Age of Portfolio:   13.4 mos
Number of Notes:   1,163

Payments  36 (52.1%) 60 (47.9%)
A (0.0%) B (0.0%) C (1.2%) D (60.5%) E (38.3%) F (0.0%) G (0.0%)

anar is down, ill edit later.

Combined ANAR :   7.94%
Weighted Average Interest Rate:   19.76%
Weighted Average Age of Portfolio:   14.5 mos
Number of Notes:   1,078

Payments  36 (52.0%) 60 (48.0%)
A (0.0%) B (0.0%) C (1.4%) D (61.3%) E (37.3%) F (0.0%) G (0.0%)

vs All Accounts:
94.13
vs Similar Age Accounts:
98.72
vs Similar Age and WAIR Accounts:
97.62
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: .Ryan. on November 03, 2017, 12:00:26 AM
Paulie, not to hijack the thread, but I'm curious, are you still net positive month to month? You're a lot heavier on the D/E loans than I am, and I am wondering if that is working out for you....
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: finopp on November 06, 2017, 10:31:55 AM
Hello. I have been reading discussions on this forum for a long time and learning but not contributing, so I want to thank you all for conversing here. Fred93, I think I've read your stuff for the longest. Perhaps I remember your moniker because the funny head shot icon stuck in my memory, but also I think I remember seeing "Fred93" in questions that we used to be able to ask borrowers back in the day, but perhaps my memory is deceiving me. In tech-time, that was eons ago. Others of you have also been helpful. Anyway, I've never had the benefit of actually talking (audibly or in person) to anyone to learn more about online lending, so I've been learning as I go, in part from reading you guys on this forum.

As you all have been so kind to share your Returns page numbers, I'll add to the discussion with one of my accounts (below). I have three. All have been profitable, except no more of those nice double-digits we had in the good ole days :-). In one, I experimented with mostly C loans, $5000 principle, and after two years that is at about 6.4%, which I think is nothing to complain about. Still, I've decided to empty it and shift that amount into secured loans on one of the real estate online lenders. The other two accounts and Prosper I'm keeping, but not adding anything to them.

Figuring ROI has been a challenge for me. I don't know how to XIRR and such, so each month I just take the net, x 12, ÷ the previous month's balance. If I made a deposit, sometimes I subtract the amount of money not yet at work. At the end of the year, I average my monthly ROI to arrive at the yearend. If I made no deposits or withdrawals, then I do it the easiest way with CAGR.

Again, thank you all.


As of 11/6/2017:

Adjusted Net Annualized Return:  7.47%
Weighted Average Interest Rate: 12.86%
Weighted Average Age of Portfolio: 50.6 mos
Number of Notes: 909

Grade
A (1.4%) B (53.7%) C (29.9%)
D (9.2%) E (5.7%) F (0.0%) G (0.0%)

Term
36 (55.3%) 60 (44.7%)


Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on November 09, 2017, 03:56:54 PM
Will continue this until end of year (Jan for Dec numbers)

Oct 17 (vs Sept 17)
Image: https://i.imgur.com/UM8BlbB.jpg
Image: https://i.imgur.com/f0hSwUC.jpg
Image: https://i.imgur.com/8S3wmLw.jpg
(https://i.imgur.com/UM8BlbB.jpg)
(https://i.imgur.com/f0hSwUC.jpg)
(https://i.imgur.com/8S3wmLw.jpg)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Edward Reid on November 30, 2017, 10:00:37 AM
Scott, do you just think it's not worth continuing, or do you need someone else to take on the load? I'm not sure I could volunteer -- lots of things on my plate -- but I could think about it. Even with the small number of reports, it's been useful for me to see where I fit into the set of investors.

Edward

2017-12-01

Adjusted Net Annualized Return: 8.22%
Weighted Average Interest Rate: 13.82%
Weighted Average Age of Portfolio: 16.0 mos
Number of Notes: 544

Grade: A (0.3%) B (1.5%) C (97.2%) D (1.0%) E (0.0%) F (0.0%) G (0.0%)
Term: Payments 36 (51.0%) 60 (49.0%)

vs All Accounts: 95.01
vs Similar Age Accounts: 99.22
vs Similar Age and WAIR Accounts: 99.59
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Lovinglifestyle on November 30, 2017, 07:36:42 PM
Adjusted Net Annualized Return:   13.87%
Weighted Average Interest Rate:   18.51%
Weighted Average Age of Portfolio:   50.8 mos
Number of Notes:   5,061

Combined Return
Adjusted Net Annualized Return 8.11%

A(1.0%) B (3.2%) C(6.6%) D(11.0%) E(47.4%) F*** (21.1%) G*** (9.8%)
Payments  36(28.7%) 60(71.3%)

Your Portfolio

vs All Accounts:
94.53
vs Similar Age Accounts:
0.00
vs Similar Age and WAIR Accounts:
0.00
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Rob L on December 01, 2017, 09:56:07 AM
As of 12/1/2017:

Combined Adjusted Net Annualized Return:  6.97%
Weighted Average Interest Rate: 17.42%
Weighted Average Age of Portfolio: 37.8 mos
Number of Notes: 9714

Notes Breakdown: Active: 2192 (22.6%), Fully Paid: 5947 (61.2%), Charged Off: 1575 (16.2%)
Number of Traded Notes: 1348

Grade
A (0.5%) B (5.8%) C (1.8%) D (58.4%) E (32.5%) F (1.0%) G (0.0%)

Term
36 (100%) 60 (0%)

Weighted Average Age is now past the end of the "Understanding Your Returns" chart (i.e. earth is my blue dot).
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on December 01, 2017, 11:56:41 AM
Scott, do you just think it's not worth continuing, ...
Yes, per past discussion I don't think it is worth doing. Certainly not statistically valid only novel. No doubt your trend will continue as it has. You were not in the D,E,F,G frenzy of going for maximum returns. Many long timers are winding down and moving on to other investment areas. I'm on the path taking 4/5th of my money out of LC from the high I had it at. ANAR and XIRR numbers are interesting but where the rubber meets the road is the monthly statements and the amount of earned income vs losses for the month. Then if it is a taxable account factor in 'losing' that amount off the earned interest income.
-------------
Taxable
Adjusted Net Annualized Return3 ?:   5.08%
Weighted Average Interest Rate:   12.05%
Weighted Average Age of Portfolio:   25.9 mos
Number of Notes:   11,536
A (26.1%) B (27.1%) C (21.0%) D (12.2%) E (9.2%) F *** (2.7%) G *** (1.7%)
Payments  36 (74.2%)

IRA ROTH
Adjusted Net Annualized Return3 ?:   4.80%
Weighted Average Interest Rate:   10.86%
Weighted Average Age of Portfolio:   25.8 mos
Number of Notes:   6,843
A (23.8%) B (30.5%) C (25.1%) D (10.9%) E (9.0%) F *** (0.4%) G *** (0.3%)
Payments  36 (65.6%)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Rob L on December 16, 2017, 10:38:06 AM
Thought this portfolio might be worthy of inclusion in this thread because it's pretty unique and the thread won't be active much longer. Somewhere along the line I told my nephew about my LC investment and from time to time he'd ask me how things were going. In April 2016 he decided to open a small LC account and asked I help him buy the initial notes and reinvest payments. I did using the same auto-invest software that I was using myself. The first notes were purchased on 4/15/2016. Barely a month later the LC scandal broke and we both stopped reinvestment. His last note was purchased 5/13/2016 and he never resumed reinvestment. The account has been winding down ever since. So, rather remarkably, this portfolio provides 1 month 16Q2 snapshot in time of D & E note performance bought just before the scandal. The jury is still out, but 16Q2 may have been the worst vintage ever. If you decide to include in the spreadsheet use the handle bobbyv but it's probably not worth the effort. The timing of it all is both ironic and spooky.

As of 12/1/2017:

Adjusted Net Annualized Return:  2.66%
Weighted Average Interest Rate: 19.34%
Weighted Average Age of Portfolio: 19.8 mos
Number of Notes: 544

Notes Breakdown: Active: 302 (55.5%), Fully Paid: 159 (29.2%), Charged Off: 83 (15.3%)
Number of Traded Notes: 0

Grade
A (0.0%) B (0.0%) C (0.0%) D (63.0%) E (37.0%) F (0.0%) G (0.0%)

Term
36 (100%) 60 (0%)

vs All Accounts:
28.76
vs Similar Age Accounts:
40.84
vs Similar Age and WAIR Accounts:
67.87

Chargeoffs as a percent of interest received this year is 116.8%.
My fading hope is that he will come out even in the end.

Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Edward Reid on January 01, 2018, 11:18:53 AM
Final report. Thanks, Scott, for doing this. I agree with your reasons for winding it down. In its time, the thread helped me understand the variety of P2P investors, and where I fit (and don't fit) with other categories. It also got me starting tracking this relatively simple set of numbers, which I find useful since LC statements are poor at summarizing, and I intend to continue this collection for myself. Cheers!

Edward

2018-01-01

Adjusted Net Annualized Return:     8.16%
Weighted Average Interest Rate:    13.82%
Weighted Average Age of Portfolio: 16.4 mos
Number of Notes:    555

Grade A (0.3%) B (1.4%) C (97.3%) D (1.0%) E (0.0%) F *** (0.0%) G *** (0.0%)
Term Payments  36 (52.5%) 60 (47.5%)

vs All Accounts: 93.96
vs Similar Age Accounts: 99.12
vs Similar Age and WAIR Accounts: 99.27

No folio
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on January 01, 2018, 12:35:28 PM
Final report. Thanks, Scott, for doing this. I agree with your reasons for winding it down. In its time, the thread helped me understand the variety of P2P investors, and where I fit (and don't fit) with other categories. It also got me starting tracking this relatively simple set of numbers, which I find useful since LC statements are poor at summarizing, and I intend to continue this collection for myself. Cheers!
Edward
You all are most welcome. Just a little giving back as I've learned a lot of from everyone and appreciated it.

Taxable:
Adjusted Net Annualized Return3 ?:   5.01%
Weighted Average Interest Rate:   12.05%
Weighted Average Age of Portfolio:   26.9 mos
Number of Notes:   11,536
A (25.5%) B (26.8%) C (21.2%) D (12.5%) E (9.5%) F (2.8%) G (1.8)
36-73.4

ROTH IRA:
Adjusted Net Annualized Return3 ?:   4.75%
Weighted Average Interest Rate:   10.86%
Weighted Average Age of Portfolio:   26.8 mos
Number of Notes:   6,843
A (23.0%) B (30.2%) C (25.4%) D (11.3%) E (9.4%) F (0.4%) G (0.3%)
36-64.0

Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: storm on January 01, 2018, 05:37:56 PM
Thank you, lascott, for crunching these numbers.  I hope you and everyone else here has a much happier new year!!!

Combined ANAR:  8.31%
Weighted Average Interest Rate:   15.00%
Weighted Average Age of Portfolio: 40.9 mos
Number of Notes: 6,768
A (0.0%) B (13.0%) C (44.0%) D (21.2%) E (17.2%) F *** (3.5%) G *** (1.0%)
Payments  36 (38.4%) 60 (61.6%)

vs All Accounts: 94.56%
vs Similar Age Accounts: 0.00
vs Similar Age and WAIR Accounts: 0.00

XIRR:  8.74%
XIRR trailing twelve months:  2.42%
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Rob L on January 01, 2018, 06:31:56 PM
As of 1/1/2018:

Combined Adjusted Net Annualized Return:  6.96%
Weighted Average Interest Rate: 17.42%
Weighted Average Age of Portfolio: 38.8 mos
Number of Notes: 9714

Notes Breakdown: Active: 2081 (21.4%), Fully Paid: 6021 (62.0%), Charged Off: 1612 (16.6%)
Number of Traded Notes: 1348

Grade
A (0.5%) B (5.7%) C (1.9%) D (58.1%) E (32.8%) F (1.0%) G (0.0%)

Term
36 (100%) 60 (0%)

Weighted Average Age is now past the end of the "Understanding Your Returns" chart (i.e. earth is my blue dot).

Thanks for putting in the work!
"This is Ripley, last survivor of the Nostromo, signing off".  :'(
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: Lovinglifestyle on January 01, 2018, 07:33:24 PM
Your Notes purchased on the Lending Club platform
Adjusted Net Annualized Return:   13.87%
Weighted Average Interest Rate:   18.48%
Weighted Average Age of Portfolio:   52.1 mos
Number of Notes:   5,033

Combined Return:
Adjusted Net Annualized Return 8.12%

Traded Notes
Combined Return
Adjusted Net Annualized Return 3.71%
7204 Traded Notes

Grade: A(1.0%) B (3.4%) C(6.8%) D(10.8%) E(46.9%) F*** (21.3%) G*** (9.9%)
Term: 36(25.2%) 60(74.8%)

Notes Breakdown:
My Notes at-a-Glance 5033
Not Yet Issued 0
Issued & Current 368
In Grace Period 1
Fully Paid 4,322
Late 16 - 30 Days 0
Late 31 - 120 Days 1
Default 0
Charged Off 341

vs All Accounts:
94.03
vs Similar Age Accounts:
0.00
vs Similar Age and WAIR Accounts:
0.00

Thank you for all your work lascott, and Happy New Year! 
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: SLCPaladin on January 02, 2018, 07:15:09 PM
As of 1/2/2018:

Adjusted Net Annualized Return:  6.83%
Weighted Average Interest Rate: 14.21%
Weighted Average Age of Portfolio: 33.4 mos
Number of Notes: 6415

Grade
A (10.7%) B (26.2%) C (23.6%)
D (18.1%) E (17.8%) F (2.9%) G (0.8%)

Term
36 (39.8%) 60 (60.2%)

Side note: My blue dot finally made it off the "Understanding Your Returns" chart. Yay!
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on January 06, 2018, 04:05:06 PM
Will get to end of year soon.  I didn't realize I had missed Nov!

Nov 17 (vs Oct 17)
Image: https://i.imgur.com/n358Pzn.jpg
Image: https://i.imgur.com/hc7CHKX.jpg
Image: https://i.imgur.com/4Qx2tRG.jpg
(https://i.imgur.com/n358Pzn.jpg)
(https://i.imgur.com/hc7CHKX.jpg)
(https://i.imgur.com/4Qx2tRG.jpg)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: lascott on January 06, 2018, 04:53:20 PM
Final report. Thanks, Scott, for doing this. I agree with your reasons for winding it down. In its time, the thread helped me understand the variety of P2P investors, and where I fit (and don't fit) with other categories. It also got me starting tracking this relatively simple set of numbers, which I find useful since LC statements are poor at summarizing, and I intend to continue this collection for myself. Cheers! Edward
Thank you, lascott, for crunching these numbers.  I hope you and everyone else here has a much happier new year!!!
Thanks for putting in the work!
"This is Ripley, last survivor of the Nostromo, signing off".  :'(
Thank you for all your work lascott, and Happy New Year!

You are welcome and all my best to you fine folks.

Dec 17 (vs Nov 17)
Image: https://i.imgur.com/W6k6Dhb.jpg
Image: https://i.imgur.com/Py2mPix.jpg
Image: https://i.imgur.com/FUqjll0.jpg
(https://i.imgur.com/W6k6Dhb.jpg)
(https://i.imgur.com/Py2mPix.jpg)
(https://i.imgur.com/FUqjll0.jpg)
Title: Re: What does your "Understanding Your Returns" page look like? Here's mine
Post by: jennrod12 on January 06, 2018, 11:30:20 PM
Did I miss the last one?  I have to apologize for not being as diligent the past few months since I've been letting my accounts wind down.  Here's my report, but if it's too late to get added, that's fine.  Thanks for all the fun posts!

Jennrod12 "Buy & Hold" account:

Adjusted Net Annualized Return:   3.36%
Weighted Average Interest Rate:   13.48%
Weighted Average Age of Portfolio:   26.8 mos
Number of Notes:   200
Number of Active notes: 116

A(1.2%) B (18.7%) C(40.9%) D(27.1%) E(9.5%) F*** (2.6%) G*** (0.0%)
Payments  36(98.3%) 60(1.7%)

vs All Accounts:38.29
vs Similar Age Accounts:34.64
vs Similar Age and WAIR Accounts:33.30

Jenn