Author Topic: What does your "Understanding Your Returns" page look like? Here's mine  (Read 245120 times)

Peter

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #30 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%
Publisher of the Lend Academy blog

See my returns here: http://www.lendacademy.com/returns

lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #31 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>
« Last Edit: August 27, 2015, 09:17:11 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

SeanMCA

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #32 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.
I'm a merchant cash advance veteran exploring the p2p lending waters.

rawraw

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #33 on: August 27, 2015, 04:28:58 AM »
I'm finally on my home computer.  I've increased my risk profile slightly lately

lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #34 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>
« Last Edit: August 27, 2015, 09:58:44 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

lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #35 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
« Last Edit: August 27, 2015, 09:52:16 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

rawraw

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #36 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


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

lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #37 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


Image: http://i.imgur.com/wqa1aBK.png
<snip>
« Last Edit: August 27, 2015, 10:42:57 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

SeanMCA

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #38 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
I'm a merchant cash advance veteran exploring the p2p lending waters.

rawraw

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #39 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


lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #40 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.
« Last Edit: August 27, 2015, 05:05:32 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

kitono

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #41 on: August 27, 2015, 09:22:48 PM »
Here are mine. I hope this includes everything for you.

lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #42 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?
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

Lovinglifestyle

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #43 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

 
« Last Edit: August 27, 2015, 09:52:31 PM by Lovinglifestyle »

lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #44 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


Where to get data to get your added described here: http://www.lendacademy.com/forum/index.php?topic=3365.msg30067#msg30067
« Last Edit: August 27, 2015, 10:05:47 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