Author Topic: What does your "Understanding Your Returns" page look like? Here's mine  (Read 258109 times)

lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #390 on: July 17, 2016, 03:05:40 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
Sorry but I am not adding brand new entries for very young accounts. (you also only have 1 post on the forum) Need to have mature accounts with ongoing info. Also you would have to agree to monthly or atleast always do quarterly updates. The list is large and hard to mange as well as cut-n-paste.
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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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #391 on: July 17, 2016, 03:27:01 PM »
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.
So you are winding your account down? Are you going to start reinvesting again?
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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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #392 on: July 17, 2016, 03:29:56 PM »
Sorry for being so slow about this update!

July (vs June)
Image: http://i.imgur.com/9cBZ2i2.png
Image: http://i.imgur.com/EnfLhfG.png

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

rubicon

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #393 on: July 27, 2016, 10:12:15 AM »
Jun 27

https://www.lendingclub.com/account/summary.action
ANAR: 12.21% (combined return)
Number of notes: 12333

https://www.lendingclub.com/account/lenderBenchmarkReturns.action
Weighted Average Age of Portfolio: 12.8 months

https://www.lendingclub.com/account/lenderAccountDetail.action
Weighted Average Rate:15.56%
A: 1.1%
B: 8.0%
C: 44.0%
D: 32.4%
E: 11.2%
F: 2.8%
G:  0.5%

36: 88.5%
60: 11.5%

Larry321

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #394 on: July 27, 2016, 11:20:56 AM »
Jun 27

https://www.lendingclub.com/account/summary.action
ANAR: 12.21% (combined return)
Number of notes: 12333

https://www.lendingclub.com/account/lenderBenchmarkReturns.action
Weighted Average Age of Portfolio: 12.8 months

https://www.lendingclub.com/account/lenderAccountDetail.action
Weighted Average Rate:15.56%
A: 1.1%
B: 8.0%
C: 44.0%
D: 32.4%
E: 11.2%
F: 2.8%
G:  0.5%

36: 88.5%
60: 11.5%
12.12% ANAR? Damn!  Please teach me! How are you doing that?  You are the master!
I am hovering between 7-8% at the moment.

LC notes investor for 3 years

Bitcoin speculator

fliphusker

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #395 on: July 27, 2016, 11:47:44 AM »
Jun 27

https://www.lendingclub.com/account/summary.action
ANAR: 12.21% (combined return)
Number of notes: 12333

https://www.lendingclub.com/account/lenderBenchmarkReturns.action
Weighted Average Age of Portfolio: 12.8 months

https://www.lendingclub.com/account/lenderAccountDetail.action
Weighted Average Rate:15.56%
A: 1.1%
B: 8.0%
C: 44.0%
D: 32.4%
E: 11.2%
F: 2.8%
G:  0.5%

36: 88.5%
60: 11.5%
Not much risk involved and 36 month notes -- quite impressive lack of defaults.  Jealous!!

rubicon

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #396 on: July 27, 2016, 02:32:35 PM »
here's my screenshot


rawraw

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #397 on: July 27, 2016, 07:02:18 PM »
Jun 27

https://www.lendingclub.com/account/summary.action
ANAR: 12.21% (combined return)
Number of notes: 12333

https://www.lendingclub.com/account/lenderBenchmarkReturns.action
Weighted Average Age of Portfolio: 12.8 months

https://www.lendingclub.com/account/lenderAccountDetail.action
Weighted Average Rate:15.56%
A: 1.1%
B: 8.0%
C: 44.0%
D: 32.4%
E: 11.2%
F: 2.8%
G:  0.5%

36: 88.5%
60: 11.5%
This is impressive.  It seems like it'd have to be Folio influenced.  But at any rate, this is one of the few performances I've seen that makes me envious.  Doesn't seem incredibly risky but good returns.  I had similar returns until my account got to ~18 months avg age, but I had 150 bps lower average yield but with more reliance on 60s.  I want your returns again! :)

rubicon

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #398 on: July 27, 2016, 11:36:05 PM »
yes I definitely expect returns to moderate as the portfolio ages further.

michael49

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #399 on: July 31, 2016, 09:06:21 AM »
A(0.0%) B (4.2%) C(34.7%) D(34.3%) E(18.3%) F(7.5%)G(1.0%)

36month: 55.7%.  60 month: 44.3%

Your Notes purchased on the Lending Club platform
Adjusted Net Annualized Return3 ?:   8.80%
Weighted Average Interest Rate:   16.47%
Weighted Average Age of Portfolio:   10.1 mos
Number of Notes:   1,132

This is my main account which I've paused investing in new loans but I'm going to start investing again, probably just 36 month loans for now.
I have a IRA acct as well which I've continued to invest in all along which is doing well.




jennrod12

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #400 on: July 31, 2016, 11:17:10 PM »
No new investing in this account in 2016, I'm letting it run it's course to see how it turns out.

Adjusted Net Annualized Returns:   5.60%
Weighted Average Interest Rate:   13.48%
Weighted Average Age of Portfolio:   9.3 mos
Number of Notes: 200
Active notes: 182

A(2.2%) B (24.7%) C(41.8%) D(21.9%) E(6.6%) F(2.8%) G(0.0%)
Payments  36(99.4%) 60(0.6%)

ANAR Compare:
vs All Accounts:
21.35
vs Similar Age Accounts:
27.42
vs Similar Age and WAIR Accounts:
25.93

Jenn

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #401 on: August 01, 2016, 05:31:33 PM »
2016-08-01

Adjusted Net Annualized Return:    9.72%
Weighted Average Interest Rate:    13.29%
Weighted Average Age of Portfolio:    9.1 mos
Number of Notes:    321

Grade
A (1.1%) B (4.6%) C (91.8%)
D (2.5%) E (0.0%) F (0.0%) G (0.0%)

Term
Payments  36 (4.6%) 60 (95.4%)

Your Portfolio

vs All Accounts:
    91.63
vs Similar Age Accounts:
    94.56
vs Similar Age and WAIR Accounts:
    95.97

Lovinglifestyle

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #402 on: August 01, 2016, 07:26:46 PM »
2016-08-01

Combined ANAR:  8.62
WAIR:  17.82
Weighted Average Age of Portfolio:  31.2 mos
Number of Notes:6,287

Grade
A(1.5%) B (13.6%) C(17.5%) D(16.6%) E(36.0%) F(11.2%) G(3.6%)

Term
Payments  36(43.5%) 60(56.5%)

Your Portfolio

vs All Accounts:
83.92
vs Similar Age Accounts:
0.00
vs Similar Age and WAIR Accounts:
0.00

dr.everett

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #403 on: August 01, 2016, 07:47:49 PM »
08/01/16

PDF with screenshots attached- sorry I've been MIA for a while- been busy and also been changing strategy. Will try to update a bit more often.

Fudgenut

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #404 on: August 02, 2016, 12:31:38 PM »
8/2/2016

Fudgenut SEP IRA:
Adjusted Net Annualized Return:   10.46%
Weighted Average Interest Rate:   19.09%
Weighted Average Age of Portfolio:   22.5 mos
Number of Notes:   4,585

A(0.0%) B (0.0%) C(9.8%) D(50.5%) E(27.6%) F(10.1%) G(2.2%)
Payments  36(22.7%) 60(77.3%)

vs All Accounts:
94.20
vs Similar Age Accounts:
98.14
vs Similar Age and WAIR Accounts:
93.96

Fudgenut ROTH IRA:
Adjusted Net Annualized Return3 ?:   10.23%
Weighted Average Interest Rate:   19.19%
Weighted Average Age of Portfolio:   22.7 mos
Number of Notes:   3,796

A(0.0%) B (0.0%) C(10.0%) D(49.4%) E(27.3%) F(11.0%) G(2.3%)
Payments  36(21.5%) 60(78.5%)

vs All Accounts:
93.42
vs Similar Age Accounts:
97.84
vs Similar Age and WAIR Accounts:
94.25

Fudgenut Taxable:

Adjusted Net Annualized Return3 ?:   9.05%
Weighted Average Interest Rate:   18.83%
Weighted Average Age of Portfolio:   18.9 mos
Number of Notes:   2,326

A(0.0%) B (0.0%) C(9.2%) D(53.4%) E(27.2%) F(8.7%) G(1.4%)
Payments  36(22.6%) 60(77.4%)

vs All Accounts:
86.76
vs Similar Age Accounts:
95.21
vs Similar Age and WAIR Accounts:
84.07