Author Topic: What does your "Understanding Your Returns" page look like? Here's mine  (Read 253058 times)

jz451

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #510 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.

jheizer

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #511 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.
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Rob L

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #512 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.

jheizer

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #513 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.
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Rob L

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #514 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.

AnilG

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #515 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.
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jheizer

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #516 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...
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jheizer

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #517 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...
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Rob L

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #518 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.  :)

rubicon

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #519 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%

jz451

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #520 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

SLCPaladin

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #521 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

Rob L

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #522 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.

Edward Reid

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #523 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

jennrod12

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #524 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