Author Topic: What does your "Understanding Your Returns" page look like? Here's mine  (Read 202871 times)

trevor

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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:




And here is where you can find it:

megamx26

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #1 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.

lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #2 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



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

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]
« Last Edit: April 02, 2016, 09:53:03 AM by lascott »
Tools I use: (main) BlueVestment: https://www.bluevestment.com/app/pricing + https://www.interestradar.com/ , (others) Lending Robot referral link: https://www.lendingrobot.com/ref/scott473/  & Peercube referral code: DFVA9Y

megamx26

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #3 on: August 18, 2015, 09:27:46 PM »
@lascott  :  curious, why are you going more conservative?

RaymondG

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #4 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.
« Last Edit: August 19, 2015, 10:03:08 PM by RaymondG »

lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #5 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.



[update -- added e]
« Last Edit: August 22, 2015, 08:51:15 AM by lascott »
Tools I use: (main) BlueVestment: https://www.bluevestment.com/app/pricing + https://www.interestradar.com/ , (others) Lending Robot referral link: https://www.lendingrobot.com/ref/scott473/  & Peercube referral code: DFVA9Y

BruiserB

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #6 on: August 19, 2015, 01:37:00 PM »
Here are mine:


trevor

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #7 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


« Last Edit: August 20, 2015, 02:06:45 AM by trevor »

trevor

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #8 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

aliengar0

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #9 on: August 20, 2015, 10:09:36 AM »

« Last Edit: August 20, 2015, 01:52:02 PM by aliengar0 »

lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #10 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:



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



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

.

Calculator
https://www.peertopeerquant.com/percentile-calculator
« Last Edit: August 20, 2015, 02:56:09 PM by lascott »
Tools I use: (main) BlueVestment: https://www.bluevestment.com/app/pricing + https://www.interestradar.com/ , (others) Lending Robot referral link: https://www.lendingrobot.com/ref/scott473/  & Peercube referral code: DFVA9Y

storm

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #11 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.

lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #12 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
« Last Edit: August 21, 2015, 09:46:25 AM by lascott »
Tools I use: (main) BlueVestment: https://www.bluevestment.com/app/pricing + https://www.interestradar.com/ , (others) Lending Robot referral link: https://www.lendingrobot.com/ref/scott473/  & Peercube referral code: DFVA9Y

storm

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #13 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

RaymondG

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #14 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.