Author Topic: What does your "Understanding Your Returns" page look like? Here's mine  (Read 253101 times)

lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #705 on: November 09, 2017, 03:56:54 PM »
Will continue this until end of year (Jan for Dec numbers)

Oct 17 (vs Sept 17)
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Edward Reid

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #706 on: November 30, 2017, 10:00:37 AM »
Scott, do you just think it's not worth continuing, or do you need someone else to take on the load? I'm not sure I could volunteer -- lots of things on my plate -- but I could think about it. Even with the small number of reports, it's been useful for me to see where I fit into the set of investors.

Edward

2017-12-01

Adjusted Net Annualized Return: 8.22%
Weighted Average Interest Rate: 13.82%
Weighted Average Age of Portfolio: 16.0 mos
Number of Notes: 544

Grade: A (0.3%) B (1.5%) C (97.2%) D (1.0%) E (0.0%) F (0.0%) G (0.0%)
Term: Payments 36 (51.0%) 60 (49.0%)

vs All Accounts: 95.01
vs Similar Age Accounts: 99.22
vs Similar Age and WAIR Accounts: 99.59

Lovinglifestyle

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #707 on: November 30, 2017, 07:36:42 PM »
Adjusted Net Annualized Return:   13.87%
Weighted Average Interest Rate:   18.51%
Weighted Average Age of Portfolio:   50.8 mos
Number of Notes:   5,061

Combined Return
Adjusted Net Annualized Return 8.11%

A(1.0%) B (3.2%) C(6.6%) D(11.0%) E(47.4%) F*** (21.1%) G*** (9.8%)
Payments  36(28.7%) 60(71.3%)

Your Portfolio

vs All Accounts:
94.53
vs Similar Age Accounts:
0.00
vs Similar Age and WAIR Accounts:
0.00

Rob L

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #708 on: December 01, 2017, 09:56:07 AM »
As of 12/1/2017:

Combined Adjusted Net Annualized Return:  6.97%
Weighted Average Interest Rate: 17.42%
Weighted Average Age of Portfolio: 37.8 mos
Number of Notes: 9714

Notes Breakdown: Active: 2192 (22.6%), Fully Paid: 5947 (61.2%), Charged Off: 1575 (16.2%)
Number of Traded Notes: 1348

Grade
A (0.5%) B (5.8%) C (1.8%) D (58.4%) E (32.5%) F (1.0%) 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

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #709 on: December 01, 2017, 11:56:41 AM »
Scott, do you just think it's not worth continuing, ...
Yes, per past discussion I don't think it is worth doing. Certainly not statistically valid only novel. No doubt your trend will continue as it has. You were not in the D,E,F,G frenzy of going for maximum returns. Many long timers are winding down and moving on to other investment areas. I'm on the path taking 4/5th of my money out of LC from the high I had it at. ANAR and XIRR numbers are interesting but where the rubber meets the road is the monthly statements and the amount of earned income vs losses for the month. Then if it is a taxable account factor in 'losing' that amount off the earned interest income.
-------------
Taxable
Adjusted Net Annualized Return3 ?:   5.08%
Weighted Average Interest Rate:   12.05%
Weighted Average Age of Portfolio:   25.9 mos
Number of Notes:   11,536
A (26.1%) B (27.1%) C (21.0%) D (12.2%) E (9.2%) F *** (2.7%) G *** (1.7%)
Payments  36 (74.2%)

IRA ROTH
Adjusted Net Annualized Return3 ?:   4.80%
Weighted Average Interest Rate:   10.86%
Weighted Average Age of Portfolio:   25.8 mos
Number of Notes:   6,843
A (23.8%) B (30.5%) C (25.1%) D (10.9%) E (9.0%) F *** (0.4%) G *** (0.3%)
Payments  36 (65.6%)
« Last Edit: December 01, 2017, 12:11:32 PM by lascott »
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Rob L

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #710 on: December 16, 2017, 10:38:06 AM »
Thought this portfolio might be worthy of inclusion in this thread because it's pretty unique and the thread won't be active much longer. Somewhere along the line I told my nephew about my LC investment and from time to time he'd ask me how things were going. In April 2016 he decided to open a small LC account and asked I help him buy the initial notes and reinvest payments. I did using the same auto-invest software that I was using myself. The first notes were purchased on 4/15/2016. Barely a month later the LC scandal broke and we both stopped reinvestment. His last note was purchased 5/13/2016 and he never resumed reinvestment. The account has been winding down ever since. So, rather remarkably, this portfolio provides 1 month 16Q2 snapshot in time of D & E note performance bought just before the scandal. The jury is still out, but 16Q2 may have been the worst vintage ever. If you decide to include in the spreadsheet use the handle bobbyv but it's probably not worth the effort. The timing of it all is both ironic and spooky.

As of 12/1/2017:

Adjusted Net Annualized Return:  2.66%
Weighted Average Interest Rate: 19.34%
Weighted Average Age of Portfolio: 19.8 mos
Number of Notes: 544

Notes Breakdown: Active: 302 (55.5%), Fully Paid: 159 (29.2%), Charged Off: 83 (15.3%)
Number of Traded Notes: 0

Grade
A (0.0%) B (0.0%) C (0.0%) D (63.0%) E (37.0%) F (0.0%) G (0.0%)

Term
36 (100%) 60 (0%)

vs All Accounts:
28.76
vs Similar Age Accounts:
40.84
vs Similar Age and WAIR Accounts:
67.87

Chargeoffs as a percent of interest received this year is 116.8%.
My fading hope is that he will come out even in the end.


Edward Reid

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #711 on: January 01, 2018, 11:18:53 AM »
Final report. Thanks, Scott, for doing this. I agree with your reasons for winding it down. In its time, the thread helped me understand the variety of P2P investors, and where I fit (and don't fit) with other categories. It also got me starting tracking this relatively simple set of numbers, which I find useful since LC statements are poor at summarizing, and I intend to continue this collection for myself. Cheers!

Edward

2018-01-01

Adjusted Net Annualized Return:     8.16%
Weighted Average Interest Rate:    13.82%
Weighted Average Age of Portfolio: 16.4 mos
Number of Notes:    555

Grade A (0.3%) B (1.4%) C (97.3%) D (1.0%) E (0.0%) F *** (0.0%) G *** (0.0%)
Term Payments  36 (52.5%) 60 (47.5%)

vs All Accounts: 93.96
vs Similar Age Accounts: 99.12
vs Similar Age and WAIR Accounts: 99.27

No folio

lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #712 on: January 01, 2018, 12:35:28 PM »
Final report. Thanks, Scott, for doing this. I agree with your reasons for winding it down. In its time, the thread helped me understand the variety of P2P investors, and where I fit (and don't fit) with other categories. It also got me starting tracking this relatively simple set of numbers, which I find useful since LC statements are poor at summarizing, and I intend to continue this collection for myself. Cheers!
Edward
You all are most welcome. Just a little giving back as I've learned a lot of from everyone and appreciated it.

Taxable:
Adjusted Net Annualized Return3 ?:   5.01%
Weighted Average Interest Rate:   12.05%
Weighted Average Age of Portfolio:   26.9 mos
Number of Notes:   11,536
A (25.5%) B (26.8%) C (21.2%) D (12.5%) E (9.5%) F (2.8%) G (1.8)
36-73.4

ROTH IRA:
Adjusted Net Annualized Return3 ?:   4.75%
Weighted Average Interest Rate:   10.86%
Weighted Average Age of Portfolio:   26.8 mos
Number of Notes:   6,843
A (23.0%) B (30.2%) C (25.4%) D (11.3%) E (9.4%) F (0.4%) G (0.3%)
36-64.0

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storm

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #713 on: January 01, 2018, 05:37:56 PM »
Thank you, lascott, for crunching these numbers.  I hope you and everyone else here has a much happier new year!!!

Combined ANAR:  8.31%
Weighted Average Interest Rate:   15.00%
Weighted Average Age of Portfolio: 40.9 mos
Number of Notes: 6,768
A (0.0%) B (13.0%) C (44.0%) D (21.2%) E (17.2%) F *** (3.5%) G *** (1.0%)
Payments  36 (38.4%) 60 (61.6%)

vs All Accounts: 94.56%
vs Similar Age Accounts: 0.00
vs Similar Age and WAIR Accounts: 0.00

XIRR:  8.74%
XIRR trailing twelve months:  2.42%

Rob L

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #714 on: January 01, 2018, 06:31:56 PM »
As of 1/1/2018:

Combined Adjusted Net Annualized Return:  6.96%
Weighted Average Interest Rate: 17.42%
Weighted Average Age of Portfolio: 38.8 mos
Number of Notes: 9714

Notes Breakdown: Active: 2081 (21.4%), Fully Paid: 6021 (62.0%), Charged Off: 1612 (16.6%)
Number of Traded Notes: 1348

Grade
A (0.5%) B (5.7%) C (1.9%) D (58.1%) E (32.8%) F (1.0%) 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).

Thanks for putting in the work!
"This is Ripley, last survivor of the Nostromo, signing off".  :'(
« Last Edit: January 04, 2018, 09:44:01 AM by Rob L »

Lovinglifestyle

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #715 on: January 01, 2018, 07:33:24 PM »
Your Notes purchased on the Lending Club platform
Adjusted Net Annualized Return:   13.87%
Weighted Average Interest Rate:   18.48%
Weighted Average Age of Portfolio:   52.1 mos
Number of Notes:   5,033

Combined Return:
Adjusted Net Annualized Return 8.12%

Traded Notes
Combined Return
Adjusted Net Annualized Return 3.71%
7204 Traded Notes

Grade: A(1.0%) B (3.4%) C(6.8%) D(10.8%) E(46.9%) F*** (21.3%) G*** (9.9%)
Term: 36(25.2%) 60(74.8%)

Notes Breakdown:
My Notes at-a-Glance 5033
Not Yet Issued 0
Issued & Current 368
In Grace Period 1
Fully Paid 4,322
Late 16 - 30 Days 0
Late 31 - 120 Days 1
Default 0
Charged Off 341

vs All Accounts:
94.03
vs Similar Age Accounts:
0.00
vs Similar Age and WAIR Accounts:
0.00

Thank you for all your work lascott, and Happy New Year! 

SLCPaladin

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #716 on: January 02, 2018, 07:15:09 PM »
As of 1/2/2018:

Adjusted Net Annualized Return:  6.83%
Weighted Average Interest Rate: 14.21%
Weighted Average Age of Portfolio: 33.4 mos
Number of Notes: 6415

Grade
A (10.7%) B (26.2%) C (23.6%)
D (18.1%) E (17.8%) F (2.9%) G (0.8%)

Term
36 (39.8%) 60 (60.2%)

Side note: My blue dot finally made it off the "Understanding Your Returns" chart. Yay!

lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #717 on: January 06, 2018, 04:05:06 PM »
Will get to end of year soon.  I didn't realize I had missed Nov!

Nov 17 (vs Oct 17)
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« Last Edit: January 06, 2018, 04:44:58 PM by lascott »
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lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #718 on: January 06, 2018, 04:53:20 PM »
Final report. Thanks, Scott, for doing this. I agree with your reasons for winding it down. In its time, the thread helped me understand the variety of P2P investors, and where I fit (and don't fit) with other categories. It also got me starting tracking this relatively simple set of numbers, which I find useful since LC statements are poor at summarizing, and I intend to continue this collection for myself. Cheers! Edward
Thank you, lascott, for crunching these numbers.  I hope you and everyone else here has a much happier new year!!!
Thanks for putting in the work!
"This is Ripley, last survivor of the Nostromo, signing off".  :'(
Thank you for all your work lascott, and Happy New Year!

You are welcome and all my best to you fine folks.

Dec 17 (vs Nov 17)
Image: https://i.imgur.com/W6k6Dhb.jpg
Image: https://i.imgur.com/Py2mPix.jpg
Image: https://i.imgur.com/FUqjll0.jpg


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jennrod12

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #719 on: January 06, 2018, 11:30:20 PM »
Did I miss the last one?  I have to apologize for not being as diligent the past few months since I've been letting my accounts wind down.  Here's my report, but if it's too late to get added, that's fine.  Thanks for all the fun posts!

Jennrod12 "Buy & Hold" account:

Adjusted Net Annualized Return:   3.36%
Weighted Average Interest Rate:   13.48%
Weighted Average Age of Portfolio:   26.8 mos
Number of Notes:   200
Number of Active notes: 116

A(1.2%) B (18.7%) C(40.9%) D(27.1%) E(9.5%) F*** (2.6%) G*** (0.0%)
Payments  36(98.3%) 60(1.7%)

vs All Accounts:38.29
vs Similar Age Accounts:34.64
vs Similar Age and WAIR Accounts:33.30

Jenn