Author Topic: What does your "Understanding Your Returns" page look like? Here's mine  (Read 258111 times)

rawraw

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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
For a grandmother, I think your investing too low on the risk spectrum unless you are purposefully seeking high risk. But if you are using it as a fixed income proxy and using the cash flow, seems like it'll be more volatile than you'd want

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Fudgenut

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #481 on: December 03, 2016, 08:49:26 PM »
December 3, 2016

Fudgenut SEP IRA:
Adjusted Net Annualized Return:   9.69%
Weighted Average Interest Rate:   19.04%
Weighted Average Age of Portfolio:   24.9 mos
Number of Notes:   4,977

A(0.0%) B (0.0%) C(15.7%) D(48.2%) E(25.2%) F(8.8%) G(2.1%)
Payments  36(27.9%) 60(72.1%)

COMBINED
vs All Accounts:
95.55
vs Similar Age Accounts:
98.52
vs Similar Age and WAIR Accounts:
97.16


Fudgenut ROTH IRA:
Adjusted Net Annualized Return3 ?:   9.11%
Weighted Average Interest Rate:   19.13%
Weighted Average Age of Portfolio:   25.6 mos
Number of Notes:   4,002

A(0.0%) B (0.0%) C(17.1%) D(46.8%) E(24.6%) F(9.4%) G(2.0%)
Payments  36(25.8%) 60(74.2%)

FOLIO COMBINED
vs All Accounts:
94.06
vs Similar Age Accounts:
97.89
vs Similar Age and WAIR Accounts:
97.81


Fudgenut Taxable:

Adjusted Net Annualized Return3 ?:   8.58%
Weighted Average Interest Rate:   18.86%
Weighted Average Age of Portfolio:   22.4 mos
Number of Notes:   2,404

A(0.0%) B (0.0%) C(10.0%) D(53.6%) E(26.7%) F(8.4%) G(1.3%)
Payments  36(22.8%) 60(77.2%)

FOLIO COMBINED
vs All Accounts:
91.27
vs Similar Age Accounts:
95.78
vs Similar Age and WAIR Accounts:
92.15

jennrod12

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #482 on: December 04, 2016, 01:37:12 PM »
Jennrod12 "buy & hold" account:

Adjusted Net Annualized Return:   4.74%
Weighted Average Interest Rate:   13.48%
Weighted Average Age of Portfolio:   13.5 mos
Number of Notes:   200
Active notes: 165

A(2.3%) B (24.9%) C(40.8%) D(21.8%) E(7.2%) F(3.0%) G(0.0%)
Payments  36(99.3%) 60(0.7%)

vs All Accounts: 26.58
vs Similar Age Accounts: 42.95
vs Similar Age and WAIR Accounts: 43.81

Thanks!
Jenn

ameydhar

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #483 on: December 05, 2016, 02:00:30 AM »
This is my first time reporting after crossing the 6-month average age of my portfolio. I intend to report my returns every month from now on.

Taxable Account:

Adjusted Net Annualized Return:   9.18%
Weighted Average Interest Rate:   17.06%
Weighted Average Age of Portfolio:   7.8 mos
Number of Notes:   448

Grade: A(2.9%) B (10.2%) C(26.1%) D(33.5%) E(18.7%) F(7.9%) G(0.8%)
Term: 36(38%) 60(62%)

vs All Accounts: 94.15
vs Similar Age Accounts: 90.77
vs Similar Age and WAIR Accounts: 87.25
$10k managed for free at LendingRobot: https://www.lendingrobot.com/ref/seYfx332/

lascott

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lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #485 on: December 06, 2016, 05:04:30 PM »
This is my first time reporting after crossing the 6-month average age of my portfolio. I intend to report my returns every month from now on.
Taxable Account:
Adjusted Net Annualized Return:   9.18%
Weighted Average Interest Rate:   17.06%
Weighted Average Age of Portfolio:   7.8 mos
Number of Notes:   448
Grade: A(2.9%) B (10.2%) C(26.1%) D(33.5%) E(18.7%) F(7.9%) G(0.8%)
Term: 36(38%) 60(62%)
vs All Accounts: 94.15
vs Similar Age Accounts: 90.77
vs Similar Age and WAIR Accounts: 87.25
I added you. In your next months update please:
a) provide a screenshot of your data which everyone did initially to show/verify
b) provided your Combined ANAR since in your Sept post you stated that you used the secondary market.
Thx
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ThinleyWangchuk

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #486 on: December 07, 2016, 02:04:07 AM »
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

I think you're doing okay.  Just be careful as I would expect the yield of your portfolio to decline to ~5% in a few months/year.

michael49

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #487 on: December 09, 2016, 09:22:38 PM »
Been a while, sorry.  I have been trying to keep things simple by investing with Bluepicks aggressive filter, but my ANAR has fallen - not sure if its due to this or the LC fallout over the past 6 months though....

Anyone else here investing with Bluepicks (through Bluevestment) ? 

Your Notes purchased on the Lending Club platform
Adjusted Net Annualized Return:   7.67%
Weighted Average Interest Rate:   16.99%
Weighted Average Age of Portfolio:   12.9 mos
Number of Notes: 1300

A(0.0%) B (3.1%) C(27.3%) D(41.7%) E(19.4%) F(7.5%) G(1.1%)
Payments  36(55.5%) 60(44.5%)

vs All Accounts: 83.68
vs Similar Age Accounts: 93.16
vs Similar Age and WAIR Accounts: 92.51
« Last Edit: December 09, 2016, 09:34:54 PM by michael49 »

dr.everett

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #488 on: December 16, 2016, 10:16:32 PM »
Updated stats for my accounts- let me know if I missed anything?

rubicon

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #489 on: December 30, 2016, 09:29:18 PM »
Dec 30

https://www.lendingclub.com/account/summary.action
ANAR: 10.45% (combined return)
Number of notes: 24636

https://www.lendingclub.com/account/lenderBenchmarkReturns.action
Weighted Average Age of Portfolio: 18.0 months

https://www.lendingclub.com/account/lenderAccountDetail.action
Weighted Average Rate:16.01%
A: 0.4%
B: 4.2%
C: 39.4%
D: 35.8%
E: 15.2%
F: 4.3%
G:  0.6%

36: 86.9%
60: 13.1%

storm

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #490 on: December 30, 2016, 10:35:07 PM »
Combined ANAR:  9.75
Weighted Average Interest Rate:   15.21%
Weighted Average Age of Portfolio:   30.8 mos
Number of Notes:   6,171

A(0.0%) B (6.5%) C(46.2%) D(24.0%) E(18.2%) F(3.9%) G(1.2%)
36(30.4%) 60(69.6%)

vs All Accounts:  95.92
vs Similar Age Accounts:  96.94
vs Similar Age and WAIR Accounts: 88.57

XIRR:  10.07%

twigster

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #491 on: December 30, 2016, 10:47:00 PM »
twigster ROTH:
Your Notes purchased on the Lending Club platform
Adjusted Net Annualized Return:   8.17%
Weighted Average Interest Rate:   14.11%
Weighted Average Age of Portfolio:   18.5 mos
Number of Notes: 2,799

A(4.3%) B (4.6%) C(55.3%) D(26.2%) E(9.3%) F(0.3%) G(0.1%)
Payments  36(29.9%) 60(70.1%)

vs All Accounts: 89.37
vs Similar Age Accounts: 96.92
vs Similar Age and WAIR Accounts: 95.67
_______________________________________

twigster:
Your Notes purchased on the Lending Club platform
Adjusted Net Annualized Return:   8.95%
Weighted Average Interest Rate:   14.13%
Weighted Average Age of Portfolio:   25.3 mos
Number of Notes: 1,066

A(3.1%) B (10.2%) C(48.0%) D(38.6%) E(0.1%) F(0.0%) G(0.0%)
Payments  36(39.2%) 60(60.8%)

vs All Accounts: 93.55
vs Similar Age Accounts: 97.22
vs Similar Age and WAIR Accounts: 97.44

_____________________________________
notes;  I have become somewhat disenchanted with the loan returns in the last 6 months as it seems that charge offs are too high in a non recession period.  Beginning in early December 2016 I decided to only purchase A notes (A2 through A5 as A1 interest rate is much lower, A2 = 6.99%, A5 = 7.99%) as an experiment.  Will see if paid in fulls go down (it should because no incentive to churn the loans) and stability of returns go up (at a much lower level).  Should be able to tell something in about 12 months.  Note on ROTH account: by re-investing all payments in A notes went from 0% to 4.3% in just under a month. 

lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #492 on: December 30, 2016, 10:53:41 PM »
Thanks all. I should get this updated in a few days. Hoping to get more updates so I don't have to do it more than a couple times.

notes; I have become somewhat disenchanted with the loan returns in the last 6 months as it seems that charge offs are too high in a non recession period. Beginning in early December 2016 I decided to only purchase A notes (A2 through A5 as A1 interest rate is much lower, A2 = 6.99%, A5 = 7.99%) as an experiment.  Will see if paid in fulls go down (it should because no incentive to churn the loans) and stability of returns go up (at a much lower level).  Should be able to tell something in about 12 months.  Note on ROTH account: by re-investing all payments in A notes went from 0% to 4.3% in just under a month.
I can relate to this and have gotten even more conservative than I was.  As well thinking my taxes I think I'll certainly be over $3000 in losses.
« Last Edit: December 31, 2016, 01:27:51 PM by lascott »
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jpildis

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #493 on: December 31, 2016, 10:40:53 AM »
Every time I see this, I say, "I should really send in my results."  As we close out a truly sh*tty year for returns, here's my latest:

Your Notes purchased on the Lending Club platform
Adjusted Net Annualized Return3 ?:   10.60%
Weighted Average Interest Rate:   20.98%
Weighted Average Age of Portfolio:   20.5 mos
Number of Notes:   1,490

My combined ANAR w/ trading is reported at 10.71%

XIRR = 10.3%

60 month:95% - 36 month: 5%

A - 0
B - 0
C - 0.1%
D - 24.7%
E - 46.9%
F - 24.3%
G - 4.0%

Purchased vs Originated: 52% / 48%
One more tidbit... my trailing 12 month return is 3%

Lovinglifestyle

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #494 on: December 31, 2016, 12:59:29 PM »
Combined Return
Adjusted Net Annualized Return 8.39%

Your Notes purchased on the Lending Club platform
Adjusted Net Annualized Return3 ?:   14.34%
Weighted Average Interest Rate:           18.27%
Weighted Average Age of Portfolio:   37.4 mos
Number of Notes:   5,668

A (0.4%) B (11.0%) C(14.3%) D(14.2%) E(36.8%) F(17.3%) G(6.0%)                                 

36(37.5%) 60(62.5%

vs All Accounts:
90.14
vs Similar Age Accounts:
0.00
vs Similar Age and WAIR Accounts:
0.00