Author Topic: What does your "Understanding Your Returns" page look like? Here's mine  (Read 258107 times)

Edward Reid

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #420 on: September 08, 2016, 02:34:40 PM »
I only got power last night after Hurricane Hermine, and I'm still catching up. I guess I'm too late for this month's report, but I'll post the numbers anyway.

2016-09-08

Adjusted Net Annualized Return:    10.10%
Weighted Average Interest Rate:    13.33%
Weighted Average Age of Portfolio:    9.9 mos
Number of Notes:    330

Grade
A (1.1%) B (4.4%) C (92.0%)
D (2.5%) E (0.0%) F (0.0%) G (0.0%)

Term
Payments  36 (4.4%) 60 (95.6%)

vs All Accounts:
    93.68
vs Similar Age Accounts:
    97.20
vs Similar Age and WAIR Accounts:
    97.58

lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #421 on: September 09, 2016, 10:33:49 AM »
I only got power last night after Hurricane Hermine, and I'm still catching up. I guess I'm too late for this month's report, but I'll post the numbers anyway.
2016-09-08
Adjusted Net Annualized Return:    10.10%
Weighted Average Interest Rate:    13.33%
Weighted Average Age of Portfolio:    9.9 mos
Number of Notes:    330
Grade
A (1.1%) B (4.4%) C (92.0%) D (2.5%) E (0.0%) F (0.0%) G (0.0%)
Term Payments  36 (4.4%) 60 (95.6%)
vs All Accounts:     93.68
vs Similar Age Accounts:     97.20
vs Similar Age and WAIR Accounts:     97.58
Sorry to hear about your loss of power. I did your updates.

August (vs July)
Image: http://i.imgur.com/92OyIIw.png
Image: http://i.imgur.com/uLD3KUk.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

Paulie2083

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #422 on: September 21, 2016, 03:07:31 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.

thats fine, i'll keep contributing.

Adjusted Net Annualized Return3 ?:   15.10%
Weighted Average Interest Rate:   19.19%
Weighted Average Age of Portfolio:   4.7 mos
Number of Notes:   727


vs All Accounts:
99.60
vs Similar Age Accounts:
98.07
vs Similar Age and WAIR Accounts:
92.79

new month

Adjusted Net Annualized Return3 ?:   14.04%
Weighted Average Interest Rate:   19.27%
Weighted Average Age of Portfolio:   5.3 mos
Number of Notes:   814

vs All Accounts:
99.42
vs Similar Age Accounts:
98.01
vs Similar Age and WAIR Accounts:
93.03


senatorkevin

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #423 on: September 23, 2016, 12:27:46 AM »
Just discovered this message board and thread. Was curious at what other returns people were getting as I felt what LC was telling me was not exactly accurate and after doing a quick google search, this site came up. (August was my first profitable month in awhile after numerous break even months and September seems to be trending up)



vs All Accounts:
    99.76
vs Similar Age Accounts:
    99.97
vs Similar Age and WAIR Accounts:
    100.00
« Last Edit: September 23, 2016, 12:30:17 AM by senatorkevin »

ThinleyWangchuk

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #424 on: September 23, 2016, 01:20:19 AM »
Just discovered this message board and thread. Was curious at what other returns people were getting as I felt what LC was telling me was not exactly accurate and after doing a quick google search, this site came up. (August was my first profitable month in awhile after numerous break even months and September seems to be trending up)



vs All Accounts:
    99.76
vs Similar Age Accounts:
    99.97
vs Similar Age and WAIR Accounts:
    100.00

WOW... I thought I had good returns...
What's you secret? ;)
« Last Edit: September 23, 2016, 02:03:56 AM by ThinleyWangchuk »

senatorkevin

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #425 on: September 23, 2016, 02:56:02 PM »
WOW... I thought I had good returns...
What's you secret? ;)

Secret? Oh jeez... Don't take advice from message boards? Haha, just kidding. I'll have to poke around this forum and other posts to see what if anything I was doing differently than others. I will say that I don't use any 3rd party tools to find loans. Just a simple filter within the LC UI and then manual inspection.

Don't let the charts fool you, my actual profits are nowhere near what LC says it is.

Lovinglifestyle

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #426 on: September 23, 2016, 03:03:50 PM »
Are you also selling some?

senatorkevin

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #427 on: September 23, 2016, 05:29:40 PM »
Are you also selling some?

Yeah, of course. There's little reason to keep loans that are 30+ days overdue. In certain cases, it might make sense to ride it out... but in most cases I'll try and sell them at a somewhat reasonable price. (Sometimes they won't sell no matter the price) The volume is pretty low on that though.

ThinleyWangchuk

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #428 on: September 24, 2016, 12:51:23 AM »
WOW... I thought I had good returns...
What's you secret? ;)

Secret? Oh jeez... Don't take advice from message boards? Haha, just kidding. I'll have to poke around this forum and other posts to see what if anything I was doing differently than others. I will say that I don't use any 3rd party tools to find loans. Just a simple filter within the LC UI and then manual inspection.

Don't let the charts fool you, my actual profits are nowhere near what LC says it is.

You're pretty good at credit analysis :). If you don't mind me asking, what criterias are most important for a filter?  If you're more comfortable maybe send a DM?
« Last Edit: September 24, 2016, 01:52:24 AM by ThinleyWangchuk »

Shylock

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #429 on: September 24, 2016, 04:09:31 PM »
Jeez, I am just getting rocked badly. I'm on autopilot using NSR and Lending Robot, focusing on D/E grades. F and G have much poorer returns.

Are there any passive strategies that can boost returns, in concert with the algorithmic pickers, or to replace them?

Your Notes purchased on the Lending Club platform
Adjusted Net Annualized Return3 ?:   4.09%
Weighted Average Interest Rate:   22.51%
Weighted Average Age of Portfolio:   7.8 mos
Number of Notes:   1,665

ameydhar

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #430 on: September 27, 2016, 12:04:36 AM »
I have been following this thread for some time now, but this is my first time reporting back. I intend to be active in the coming months. I used the secondary market to trade a few notes.

Adjusted Net Annualized Return : 10.17%
Weighted Average Interest Rate : 16.88%
Weighted Average Age of Portfolio : 5.9 months
Number of Notes : 413

Grade
A (3.2%) B (11.3%) C (27.0%)
D (30.8%) E (18.1%) F (8.7%) G (0.8%)

Term
Payments  36 (35.1%) 60 (64.9%)

vs All Accounts:
95.06
vs Similar Age Accounts:
85.47
vs Similar Age and WAIR Accounts:
78.03
$10k managed for free at LendingRobot: https://www.lendingrobot.com/ref/seYfx332/

senatorkevin

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #431 on: September 27, 2016, 01:53:24 AM »
You're pretty good at credit analysis :). If you don't mind me asking, what criterias are most important for a filter?  If you're more comfortable maybe send a DM?

For a filter? That would have to be income. There's a lot of little things that I kinda weigh when doing my manual review though. Sometimes what might come off as a negative might be a positive for me. If there's a enough interest, then maybe I'll create a separate thread to discuss how I went about things.

ThinleyWangchuk

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #432 on: September 27, 2016, 03:15:02 AM »
You're pretty good at credit analysis :). If you don't mind me asking, what criterias are most important for a filter?  If you're more comfortable maybe send a DM?

For a filter? That would have to be income. There's a lot of little things that I kinda weigh when doing my manual review though. Sometimes what might come off as a negative might be a positive for me. If there's a enough interest, then maybe I'll create a separate thread to discuss how I went about things.

Definitely!  Your thoughts on counterintuitive things sounds interesting.

*Sorry for going off topic @lascott

jennrod12

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #433 on: September 27, 2016, 07:08:16 PM »
Also interested!  :)

storm

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #434 on: October 01, 2016, 01:15:07 AM »
3rd quarter update.  LC has really been charging off the loans.   :(

Combined ANAR:  10.00%
Weighted Average Interest Rate:   15.31%
Weighted Average Age of Portfolio:   30.1 mos
Number of Notes:   5,712

A(0.0%) B (2.4%) C(46.1%) D(25.4%) E(20.7%) F(4.1%) G(1.4%)
36(21.4%) 60(78.6%)

vs All Accounts:  94.09
vs Similar Age Accounts:  98.92
vs Similar Age and WAIR Accounts:  98.15

IRR:  10.18%