Author Topic: What does your "Understanding Your Returns" page look like? Here's mine  (Read 258123 times)

jennrod12

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #450 on: October 03, 2016, 03:09:07 PM »
I looked at my screen, and looked for the dot corresponding to SenatorKevin's result.  Just to the right of 21 months, and just north of 15%.  Problem is ... I don't see a dot there.  In all other respects, the chart on my screen looks just like his, dot for dot.  (I have turned off the check box that turns some dots red, because I have a different WAIR, so different dots would be red on my screen.)  Every dot is still there tho, they're just all blue.  Every account has a dot.  SenatorKevin's dot should be there.

Why is SenatorKevin's dot not here, just to the right of 21 months, just north of 15% ?


I see higher dots (15%+) than are showing on your screen if I set the "Portfolio Concentration" box to "Any".  Did you try that?

Jenn

Fred93

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #451 on: October 03, 2016, 03:16:19 PM »
I see higher dots (15%+) than are showing on your screen if I set the "Portfolio Concentration" box to "Any".  Did you try that?

I did try that.  Still doesn't produce a dot at senator's location.

jheizer

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #452 on: October 03, 2016, 03:18:28 PM »
Last I checked there was like 51k dots.  Just to give an idea just how many are missing.
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senatorkevin

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #453 on: October 03, 2016, 03:29:48 PM »
I'm sure someone at LC can answer that question better than me. Perhaps they throw out outliers in that chart to smooth out the chart?

Have you traded on Folio?  Anyone who has used Folio is not included on this chart.  In that case, your combined ANAR would be more indicative of your performance.

Yes I do. I use Folio to try and sell off past due notes. Never have bought any notes though.

Rob L

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #454 on: October 03, 2016, 03:30:51 PM »
It clearly says below the chart: " Other accounts in the chart have not transacted in the Note Trading Platform".

He (she) has transacted, so why do you think you should see his (her) dot on your graph?
« Last Edit: October 03, 2016, 04:05:05 PM by Rob L »

lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #455 on: October 03, 2016, 06:49:53 PM »
Here's my updated chart and included holding stats which I omitted from my first post the other week.



A (0.1%) B (1.2%) C (7.5%)
D (40.7%) E (32.4%) F (12.6%) G (5.5%)

36 - 6.7% 60 - 93.3%

vs All Accounts:
    99.80
vs Similar Age Accounts:
    99.97
vs Similar Age and WAIR Accounts:
    100.00
Can you provide your combined ANAR since it appears you trade on folio? Otherwise the comparison is not valid. Thanks.
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Lovinglifestyle

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #456 on: October 03, 2016, 09:31:27 PM »
Does anyone not have a blue dot on their chart?
I've sold about 1,350 notes, bought one note years ago, and I have a blue dot.

Working theory; all the dots but your own blue dot are accounts that have not traded on Folio.
Your personal blue dot is the ANAR of notes you purchased on the primary platform and have not sold on Folio.
I have a blue dot and its ANAR exactly matches the Primary ANAR on my account summary page.
On my account summary page I have a "Traded Notes" ANAR and a "Combined" ANAR.
The names of these speak for themselves.

If one pursued a strategy of selling all troubled notes on Folio before charge off their blue dot would be incredibly great.
However their Traded Notes ANAR would likely be hugely negative.
Their Combined returns ANAR possibly a reasonable measure of overall profitability.

On the other hand my account may not be representative since essentially all my Folio activity has been selling.
Working theory; just another name for WAG.

I have no blue dot on my chart because the months only go to 30 and my average age is 33.4.  Last month I noticed that after I bought only about 20 notes my average note age dropped down to 29.x and my blue dot came back.  It took me a while to figure out that cause and effect, duh.

Rob L

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #457 on: October 04, 2016, 09:46:36 AM »
I have no blue dot on my chart because the months only go to 30 and my average age is 33.4.  Last month I noticed that after I bought only about 20 notes my average note age dropped down to 29.x and my blue dot came back.  It took me a while to figure out that cause and effect, duh.

Good point.

A better question would have been "Does anyone, whose Weighted Average Age of Notes in Portfolio is 30 months or less, have no blue dot"? This chart makes no distinction between 36 and 60 month term notes and there are probably quite a few portfolios aged more than 30 months. At least the current chart doesn't look like it is quickly running out of dots to plot at month 30. Personally I'd prefer two charts; one for 36 month term notes and another for 60 month notes (or better still a single chart with a user select filter for 36 only, 60 only or both). Mixing them together ad-hoc leads to the proverbial apples-to-oranges comparison and greatly diminishes its value.

Hey senatorkevin; would you post your Primary, Traded Notes, and Combined ANAR's from your summary page?
Might help clear up things for us.  TIA!
« Last Edit: October 04, 2016, 09:53:19 AM by Rob L »

lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #458 on: October 04, 2016, 11:35:58 AM »
** headed out of town for a few days -- hope I got the updates right -- need to finish packing or dear wife will not be happy with me :) **

If you buy/sell notes then you need to provide the Combined ANAR otherwise your data is 'bogus' and is not really comparable. Note that it is combined.

I can drop some older non-updaters off but new folks needs to provide screen shots and Combined ANAR if they buy/sell. Not adding people that want to see themselves way higher than average/realistic. Only want to add mature accounts tho and folks that will contribute *at*least* quarterly.  Accounts should probably be 8ish months for weighted average age ... otherwise data is higher than average/realistic. Idea is to have some more realistic (given comparable data we all have from the site asis).  Hope that makes some sense. We need to keep it real. Sorry for my bluntness.

Sept (vs August)
Image: http://i.imgur.com/rm3p9VO.png
Image: http://i.imgur.com/0Fidjei.png
<snip>
« Last Edit: November 04, 2016, 10:23:05 AM by lascott »
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BruiserB

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #459 on: October 04, 2016, 02:18:39 PM »
My Updates:

In May I stopped all reinvestment on my Standard Account for about 2 months and withdrew cash to invest elsewhere.  I resumed investing in July but changed to a much more conservative mix as I can't make use of all of the capital losses I've been racking up with defaults.  In fact, in September, my defaults were equal to 81% of the interest I earned on the account.  I'm hoping to start seeing a decrease in defaults soon, although there seems to be a healthy queue of late notes marching toward default at the moment.  :-( 

Going forward my Standard Account is reinvesting using the BluePicks Moderate tool from BlueVestment.  My IRA is using NSRPlatform's NSR Aggressive tool.  We'll see how that goes for a while.

I'm still around, but not as excited about LC as I used to be.  Have less time to fully track it as well these days, so have moved to fully automated investing in a "set it and forget it" fashion.

Measure         Standard Account                 IRA Account
ANAR             8.31                                      7.48
WAIR             17.75                                    19.20
WAAoP          25.2                                      17.5
#Notes           13,125                                  1,822
WAIR-ANAR   9.44                                      11.72
A                    3.5                                        0.0
B                    13.6                                        0.2
C                    15.6                                        20.1
D                    20.8                                      30.0
E                    25.9                                       28.5
F                     17.2                                       18.6
G                    3.4                                         2.7
36                  38.2                                        33.8
60                  61.8                                       66.2
Q                    85.78                                     75.36
R                    92.39                                     88.32
S                    86.28                                     80.71
                      No Folio                                  No Folio

2016 XIRR      5.85                                      4.12

dr.everett

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #460 on: October 04, 2016, 09:53:41 PM »
Updates for my accounts attached

rawraw

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #461 on: October 05, 2016, 07:01:34 AM »
ANAR: 8.42
Primary ANAR: 7.56
Secondary ANAR: 10.41

From Portfolio detail page:
Weighted Average Rate   14.17%

From Scatter Plot:
Adjusted Net Annualized Return3 ?:   7.56%
Weighted Average Interest Rate:   14.43%
Weighted Average Age of Portfolio:   20.8 mos

A(9.1%) B (26.5%) C(25.5%) D(14.7%) E(12.5%) F(9.6%) G(2.1%)

60 Month (60.1%)

My Notes at-a-Glance 3896
Not Yet Issued ?9
Issued & Current ?2,221
In Grace Period ?26
Fully Paid ?1,336
Late 16 - 30 Days ?15
Late 31 - 120 Days ?88
Default ?4
Charged Off ?197
Number of Notes:   3,242
« Last Edit: October 05, 2016, 07:03:15 AM by rawraw »

lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #462 on: October 12, 2016, 01:10:51 AM »
Updated the 3 folks above (5 accounts)

Sept (vs August)
Image: http://i.imgur.com/pq3ljLm.png
Image: http://i.imgur.com/ovzWBuX.png

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Paulie2083

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #463 on: October 18, 2016, 05:38:29 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
October

Adjusted Net Annualized Return3 ?:   12.71%
Weighted Average Interest Rate:   19.35%
Weighted Average Age of Portfolio:   5.7 mos
Number of Notes:   901

vs All Accounts:
99.12
vs Similar Age Accounts:
97.19
vs Similar Age and WAIR Accounts:
92.18

got hit with quite a bit of defaults this month now that my notes are becoming more seasoned

Edward Reid

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #464 on: October 31, 2016, 07:48:56 PM »
2016-11-01

Adjusted Net Annualized Return:    9.94%
Weighted Average Interest Rate:    13.39%
Weighted Average Age of Portfolio:    11.2 mos
Number of Notes:    340

Grade
A (0.9%) B (4.2%) C (92.5%)
D (2.4%) E (0.0%) F (0.0%) G (0.0%)

Term
Payments  36 (4.0%) 60 (96.0%)

vs All Accounts:
    95.53
vs Similar Age Accounts:
    98.75
vs Similar Age and WAIR Accounts:
    99.35