Author Topic: What does your "Understanding Your Returns" page look like? Here's mine  (Read 252187 times)

jheizer

  • Sr. Member
  • ****
  • Posts: 483
    • View Profile
    • LC Tools
Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #645 on: July 06, 2017, 09:53:26 PM »
Compare page is back up
Replacement to P2P Quant's Percentile Tool http://lc.geekminute.com

Edward Reid

  • Full Member
  • ***
  • Posts: 103
  • I see the brevity of truth.
    • View Profile
    • Paleolithic Refugia
    • Email
Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #646 on: July 08, 2017, 10:33:37 PM »
Compare page is back up
Fixed my numbers.

lascott

  • Hero Member
  • *****
  • Posts: 1438
    • View Profile
    • Appreciate my post and want to try LendingRobot? URL below
Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #647 on: July 09, 2017, 09:57:08 AM »
If I don't get to this today (guest coming over) then I will tomorrow.
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

Edward Reid

  • Full Member
  • ***
  • Posts: 103
  • I see the brevity of truth.
    • View Profile
    • Paleolithic Refugia
    • Email
Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #648 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.

Lovinglifestyle

  • Hero Member
  • *****
  • Posts: 902
    • View Profile
    • Email
Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #649 on: July 09, 2017, 05:58:54 PM »
It's amazing that you're still doing this at all.

lascott

  • Hero Member
  • *****
  • Posts: 1438
    • View Profile
    • Appreciate my post and want to try LendingRobot? URL below
Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #650 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>
« Last Edit: August 07, 2017, 02:27:19 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

AnilG

  • Hero Member
  • *****
  • Posts: 1122
    • View Profile
    • PeerCube
Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #651 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)
---
Anil Gupta
PeerCube Thoughts blog https://www.peercube.com/blog
PeerCube https://www.peercube.com

Lovinglifestyle

  • Hero Member
  • *****
  • Posts: 902
    • View Profile
    • Email
Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #652 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.



lascott

  • Hero Member
  • *****
  • Posts: 1438
    • View Profile
    • Appreciate my post and want to try LendingRobot? URL below
Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #653 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.
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

  • Hero Member
  • *****
  • Posts: 902
    • View Profile
    • Email
Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #654 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!

rubicon

  • Full Member
  • ***
  • Posts: 103
    • View Profile
Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #655 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.



photo host site

storm

  • Full Member
  • ***
  • Posts: 143
    • View Profile
Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #656 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%


Edward Reid

  • Full Member
  • ***
  • Posts: 103
  • I see the brevity of truth.
    • View Profile
    • Paleolithic Refugia
    • Email
Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #657 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)

lascott

  • Hero Member
  • *****
  • Posts: 1438
    • View Profile
    • Appreciate my post and want to try LendingRobot? URL below
Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #658 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%)
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

Rob L

  • Hero Member
  • *****
  • Posts: 2132
    • View Profile
Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #659 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!