Author Topic: What does your "Understanding Your Returns" page look like? Here's mine  (Read 253291 times)

Edward Reid

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #690 on: September 30, 2017, 10:44:13 PM »
lc.geekminute.com is down.

Rob L

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #691 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!

Lovinglifestyle

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #692 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!

jheizer

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #693 on: October 01, 2017, 10:43:52 PM »
lc.geekminute.com is down.

Traveling. I'll look at it in a week.
Replacement to P2P Quant's Percentile Tool http://lc.geekminute.com

storm

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #694 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.

lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #695 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
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

Paulie2083

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #696 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.

lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #697 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>
« Last Edit: November 09, 2017, 03:57:29 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

Edward Reid

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #698 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)
« Last Edit: November 01, 2017, 08:01:59 PM by Edward Reid »

lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #699 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
« Last Edit: November 01, 2017, 11:57:51 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

Rob L

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #700 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).
« Last Edit: November 02, 2017, 05:09:58 PM by Rob L »

SLCPaladin

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #701 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.

Paulie2083

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #702 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

.Ryan.

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #703 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....

finopp

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #704 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%)