Author Topic: What does your "Understanding Your Returns" page look like? Here's mine  (Read 274290 times)

lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #465 on: November 01, 2016, 11:38:16 AM »
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
Please add grades and I'll add you this month since you've been consistent and will hit 6 mo avg age next month.

Grade
A (x.x%) B (x.x%) C (xx.x%)
D (x.x%) E (x.x%) F (x.x%) G (x.x%)
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

Lovinglifestyle

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #466 on: November 01, 2016, 01:25:01 PM »
Updates:  (Thank you!)

Combined ANAR:  8.41
Adjusted Net Annualized Return3 ?:   14.53%
Weighted Average Interest Rate:   17.91%
Weighted Average Age of Portfolio:   36.0 mos
Number of Notes:   5,692

Composition ** ( $ )
Term|Grade
A(0.4%) B (13.0%) C(16.8%) D(17.2%) E(37.1%) F(11.8%) G(3.7%)

Composition ** ( $ )
Term|Grade
Payments  36(39.5%) 60(60.5%)

Your Portfolio

vs All Accounts:
89.05
vs Similar Age Accounts:
0.00
vs Similar Age and WAIR Accounts:
0.00
© 2016 - Jon Heizer

Note:  Active notes are now down to 1682 due to sales.

rubicon

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #467 on: November 01, 2016, 04:22:18 PM »
Nov 1

https://www.lendingclub.com/account/summary.action
ANAR: 10.98% (combined return)
Number of notes: 19848

https://www.lendingclub.com/account/lenderBenchmarkReturns.action
Weighted Average Age of Portfolio: 16.0 months

https://www.lendingclub.com/account/lenderAccountDetail.action
Weighted Average Rate:15.67%
A: 0.7%
B: 6.8%
C: 42.7%
D: 33.4%
E: 12.7%
F: 3.2%
G:  0.5%

36: 88.4%
60: 11.6%

lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #468 on: November 02, 2016, 10:46:04 AM »
I'm leaving on another trip soon. Will do updates tomorrow (Thu) afternoon/evening.
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

Fudgenut

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #469 on: November 02, 2016, 03:12:05 PM »
November 2, 2016

Fudgenut SEP IRA:
Adjusted Net Annualized Return:   9.91%
Weighted Average Interest Rate:   19.12%
Weighted Average Age of Portfolio:   24.5 mos
Number of Notes:   4,817

A(0.0%) B (0.0%) C(13.4%) D(49.1%) E(25.9%) F(9.5%) G(2.1%)
Payments  36(24.2%) 60(75.8%)

COMBINED
vs All Accounts:
96.01
vs Similar Age Accounts:
98.64
vs Similar Age and WAIR Accounts:
96.59


Fudgenut ROTH IRA:
Adjusted Net Annualized Return3 ?:   9.34%
Weighted Average Interest Rate:   19.20%
Weighted Average Age of Portfolio:   25.2 mos
Number of Notes:   3,894

A(0.0%) B (0.0%) C(15.3%) D(47.4%) E(25.2%) F(10.0%) G(2.1%)
Payments  36(22.5%) 60(77.5%)

FOLIO COMBINED
vs All Accounts:
94.17
vs Similar Age Accounts:
97.64
vs Similar Age and WAIR Accounts:
96.05


Fudgenut Taxable:

Adjusted Net Annualized Return3 ?:   9.00%
Weighted Average Interest Rate:   18.86%
Weighted Average Age of Portfolio:   21.3 mos
Number of Notes:   2,404

A(0.0%) B (0.0%) C(10.0%) D(53.6%) E(26.5%) F(8.6%) G(1.3%)
Payments  36(23.1%) 60(76.9%)

FOLIO COMBINED
vs All Accounts:
92.46
vs Similar Age Accounts:
97.41
vs Similar Age and WAIR Accounts:
95.87

lascott

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« Last Edit: November 30, 2016, 03:01:34 PM by lascott »
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

jennrod12

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #471 on: November 05, 2016, 11:33:10 PM »
I apologize for the late report - it was a tough week.

Jennrod12 "Buy & Hold" taxable account, 11/5:

Adjusted Net Annualized Return3 ?:   5.01%
Weighted Average Interest Rate:   13.48%
Weighted Average Age of Portfolio:   12.5 mos
Number of Notes:   200
Active Notes:168

A(2.3%) B (25.3%) C(41.0%) D(21.4%) E(7.1%) F(2.9%) G(0.0%)
Payments  36(99.3%) 60(0.7%)

vs All Accounts:
26.35
vs Similar Age Accounts:
41.48
vs Similar Age and WAIR Accounts:
41.02

Thanks,  Jenn

Paulie2083

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #472 on: November 16, 2016, 03:36:56 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
November

Adjusted Net Annualized Return3 ?:   12.21%
Weighted Average Interest Rate:   19.39%
Weighted Average Age of Portfolio:   6.2 mos
Number of Notes:   959

A (0.0%) B (0.0%) C(1.7%) D(61.2%) E(37.2%) F(0.0%) G(0.0%)
Payments  36(46.5%) 60(53.5%)

vs All Accounts:
98.96
vs Similar Age Accounts:
97.42
vs Similar Age and WAIR Accounts:
91.41


lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #473 on: November 30, 2016, 03:01:14 PM »
Added: Paulie2083, Updated: jennrod12, Removed/Hide: Simon (lendingmemo who seem to disappear from the P2P scene)

Gets your Nov updates in for the comparison to Oct. Will do that update in a few days after they get posted.

Oct (vs Sept)
Image: http://i.imgur.com/H9RJBpT.png
Image: http://i.imgur.com/5rlJyFj.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 #474 on: December 01, 2016, 01:13:59 AM »
Dec 1

https://www.lendingclub.com/account/summary.action
ANAR: 10.62% (combined return)
Number of notes: 23027

https://www.lendingclub.com/account/lenderBenchmarkReturns.action
Weighted Average Age of Portfolio: 17.0 months

https://www.lendingclub.com/account/lenderAccountDetail.action
Weighted Average Rate:15.83%
A: 0.5%
B: 6.5%
C: 40.4%
D: 34.1%
E: 14.0%
F: 4.0%
G:  0.6%

36: 87.5%
60: 12.5%

storm

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #475 on: December 01, 2016, 01:50:21 AM »
Combined ANAR: 9.80%
WAIR:  15.30%
Weighted Average Age of Portfolio:   31.0 mos
Number of Notes:   5,746

A(0.0%) B (2.6%) C(47.3%) D(24.9%) E(19.8%) F(4.1%) G(1.3%)
36(23.7%) 60(76.3%)

vs All Accounts:  95.44
vs Similar Age Accounts:  0.00
vs Similar Age and WAIR Accounts:  0.00

XIRR:  10.05%

Edward Reid

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #476 on: December 01, 2016, 03:18:34 AM »
2016-12-01

Adjusted Net Annualized Return:    9.22%
Weighted Average Interest Rate:    13.54%
Weighted Average Age of Portfolio:    11.2 mos
Number of Notes:    368

Grade
A (0.8%) B (3.7%) C (92.9%)
D (2.6%) E (0.0%) F (0.0%) G (0.0%)

Term
Payments  36 (14.2%) 60 (85.8%)

vs All Accounts:
    93.90
vs Similar Age Accounts:
    97.53
vs Similar Age and WAIR Accounts:
    98.07

rawraw

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #477 on: December 01, 2016, 05:05:12 AM »
A(10.1%) B (26.3%) C(24.7%) D(14.4%) E(13.2%) F(9.3%) G(2.0%)
Payments  36(36.6%) 60(63.4%)
Weighted Average Rate   14.08%
Weighted Average Age of Portfolio:   22.8 mos
Number of Notes:   2,873
Adjusted Net Annualized Return 8.23%

Lovinglifestyle

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #478 on: December 02, 2016, 07:39:54 PM »

Adjusted Net Annualized Return3 ?:   14.38%
Weighted Average Interest Rate:   17.93%
Weighted Average Age of Portfolio:   37.4 mos
Number of Notes:   5,563

Combined Return
Adjusted Net Annualized Return 8.37%

A(0.4%) B (12.9%) C(16.8%) D(16.4%) E(38.5%) F(10.9%) G(4.1%)
Payments  36(39.8%) 60(60.2%)

Status   
Not Yet Issued (24)   
Issued & Current (1,479)
In Grace Period† (7)   
Late 16 - 30 days† (0)   
Late 31 - 120 days† (0)   
Fully Paid* (3,756)   
Default (0)
Charged Off* (297)


ANAR (combined) Compare:
vs All Accounts:
89.24
vs Similar Age Accounts:
0.00
vs Similar Age and WAIR Accounts:
0.00









3rd quarter

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #479 on: December 02, 2016, 11:54:14 PM »
Hi,
I don't talk your language but if anyone can tell me how my notes are doing.. most appreciated.

I am a grandmother and don't quite understand any of this.
thank you