Author Topic: What does your "Understanding Your Returns" page look like? Here's mine  (Read 258115 times)

Edward Reid

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #375 on: July 01, 2016, 03:39:16 AM »
2016-07-01

Adjusted Net Annualized Return:    9.83%
Weighted Average Interest Rate:    13.22%
Weighted Average Age of Portfolio:    8.7 mos
Number of Notes:    306

Grade
A (1.3%) B (5.0%) C (91.0%)
D (2.8%) E (0.0%) F (0.0%) G (0.0%)

Term
Payments  36 (5.1%) 60 (94.9%)

Your Portfolio
vs All Accounts:
    87.71
vs Similar Age Accounts:
    89.51
vs Similar Age and WAIR Accounts:
    89.75

and for grins, here's a new version of my graph ... this is based on accounts with 250 or more notes and no note larger than 1% of portfolio.
« Last Edit: July 01, 2016, 03:43:08 AM by Edward Reid »

balto21

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #376 on: July 01, 2016, 11:36:45 AM »
Here is my Q2 understanding returns: http://screencast.com/t/jpunMvtyh. It has been a rough quarter. :)

jennrod12

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #377 on: July 02, 2016, 02:03:13 AM »
Here are my numbers, I should have posted yesterday before I got 2 new charge-offs (raising my total to 4 so far).

Adjusted Net Annualized Return: 5.69%
Weighted Average Interest Rate: 13.48%
Weighted Average Age of Portfolio: 8.3 mos
Number of Notes: 200
Active notes: 184

A (2.2%)
B (24.8%)
C (41.9%)
D (21.8%)
E (6.6%)
F (2.8%)
G (0.0%)

Payments 
36 (99.4%)
60 (0.6%)

Your Portfolio
vs All Accounts:
    20.01
vs Similar Age Accounts:
    21.88
vs Similar Age and WAIR Accounts:
    20.15

Thanks for compiling these stats!

Jenn

lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #378 on: July 02, 2016, 01:35:24 PM »
Sorry for the delay folks. Some interesting changes as it looks like some selling and buying was going on!

June (vs May)
Image: http://i.imgur.com/M1LyiJM.png
Image: http://i.imgur.com/nAmqfit.png
<snip>
« Last Edit: July 08, 2016, 07:58:31 PM by lascott »
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Lovinglifestyle

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #379 on: July 02, 2016, 02:09:37 PM »
7-2-2016

(1.6%) B (10.4%) C(16.3%) D(17.1%) E(38.7%) F(12.0%) G(3.9%)

Term 36(39.4%) 60(60.6%)

Combined Return:
Adjusted Net Annualized Return 8.60%

Net Annualized Return:   14.79%
Weighted Average Interest Rate:   17.93%
Weighted Average Age of Portfolio:   31.0 mos
Number of Notes:   6,144

I don't understand this result re the Q, R, S columns:

Your Portfolio
vs All Accounts:
80.19
vs Similar Age Accounts:
0.00
vs Similar Age and WAIR Accounts:
0.00
2016 - Jon Heizer


Fudgenut

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #380 on: July 03, 2016, 11:25:54 PM »
7/3/2016

Fudgenut SEP IRA:
Adjusted Net Annualized Return:   10.51%
Weighted Average Interest Rate:   19.07%
Weighted Average Age of Portfolio:   21.7 mos
Number of Notes:   4,565

A(0.0%) B (0.0%) C(7.3%) D(51.7%) E(28.4%) F(10.3%) G(2.3%)
Payments  36(22.5%) 60(77.5%)

vs All Accounts:
93.56
vs Similar Age Accounts:
98.37
vs Similar Age and WAIR Accounts:
94.19

Fudgenut ROTH IRA:
Adjusted Net Annualized Return3 ?:   10.36%
Weighted Average Interest Rate:   19.16%
Weighted Average Age of Portfolio:   22.0 mos
Number of Notes:   3,748

A(0.0%) B (0.0%) C(7.8%) D(50.7%) E(28.1%) F(11.0%) G(2.3%)
Payments  36(21.5%) 60(78.5%)

vs All Accounts:
92.78
vs Similar Age Accounts:
98.14
vs Similar Age and WAIR Accounts:
95.48

Fudgenut Taxable:

Adjusted Net Annualized Return3 ?:   9.28%
Weighted Average Interest Rate:   18.79%
Weighted Average Age of Portfolio:   18.3 mos
Number of Notes:   2,283

A(0.0%) B (0.0%) C(8.5%) D(53.8%) E(27.6%) F(8.7%) G(1.5%)
Payments  36(22.6%) 60(77.4%)

vs All Accounts:
86.73
vs Similar Age Accounts:
95.78
vs Similar Age and WAIR Accounts:
86.03

jheizer

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #381 on: July 05, 2016, 10:31:12 AM »
Lovinglifestyle, the data from the understanding returns chart is being used and it only goes to 30 months average age.
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Lovinglifestyle

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #382 on: July 05, 2016, 10:39:35 AM »
Lovinglifestyle, the data from the understanding returns chart is being used and it only goes to 30 months average age.

Thank you!  I must have overlooked that information, or just failed to extrapolate it since I knew that was why my blue dot on the chart disappeared. 
Appreciate your response!

lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #383 on: July 05, 2016, 11:08:33 AM »
I will make final June (vs May) updates tonight in case others want to get their updates in.  Pretty interesting month of changes!
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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chi_ra

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #385 on: July 08, 2016, 06:59:15 PM »
Update as of 7-8-2016

A (0%) B (30.4%) C(35.0%) D(29.5%) E(5.0%) F(0%) G(0%)

Term 36(99.3%) 60(0.7%)

Combined Return:
Adjusted Net Annualized Return 10.2%
Weighted Average Interest Rate:   13.56%
Weighted Average Age of Portfolio:   5.8 mos
Number of Notes:   150

ANAR compare-
vs All Accounts:
91.71
vs Similar Age Accounts:
79.22
vs Similar Age and WAIR Accounts:
83.51

rawraw

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #386 on: July 09, 2016, 07:38:02 AM »
A(9.0%) B (25.7%) C(24.0%) D(15.3%) E(12.8%) F(11.1%) G(2.1%
  36(38.2%) 60(61.8%)

ANAR: 9.72
Primary ANAR: 9.20
Secondary ANAR: 11.23

Adjusted Net Annualized Return3 ?:   9.20%
Weighted Average Interest Rate:   14.68%
Weighted Average Age of Portfolio:   18.3 mos
Number of Notes:   3,345

Paulie2083

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #387 on: July 09, 2016, 09:12:17 PM »
here's mine, still pretty early.

Adjusted Net Annualized Return: 14.44%
Weighted Average Interest Rate: 19.12%
Weighted Average Age of Portfolio: 3.7 mos
Number of Notes:   672

Grade:
C(2.5%) D(54.8%) E(42.6%)
Term:
36(43.1%) 60(56.9%)

vs All Accounts:
99.30
vs Similar Age Accounts:
94.59
vs Similar Age and WAIR Accounts:
77.02


Fred93

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #388 on: July 10, 2016, 12:17:20 AM »
7/9/16 update
ANAR 9.47
WAIR 13.81
AGE 11.6
#notes 5816 total, of which 4193 active
%ile 87.02 vs all
%ile 95.70 vs sim age
%ile 96.00 vs sim age & WAIR

A 0%
B 19.3%
C 57.6%
D 17.4%
E 5.6%
F 0%
G 0%

36 mo 23.5%
60 mo 76.5%

PennySaved

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #389 on: July 10, 2016, 03:19:33 AM »
PennySaved Taxable   7-10-16

Adjusted Net Annualized Return 8.36%

Weighted Average Interest Rate  12.94%

Weighted Average Age of Portfolio  22.5 mos

Number of Notes 4,048  (Of these, 1057 are paid off, 237 are charged off)

A    12.2%
B    28.7%
C    42.5%
D    10.2%
E    5.6%
F    1.1%
G    0.7%

42.2% 36 mos.   57.8% 60 mos.

I have stopped reinvesting and have started to sell notes on Folio.
I also have an Roth IRA account, will have to dig up stats on those numbers later.