Thanks to the new and interesting accounts. If I dont' see regular updates (at least quarterly), I'd probably mark this in the spreadsheet to be one of the first to fall off (hide rows). jz451's being so new and < 100 active notes would be the first to go since it may not be longterm realistic performance without more quality purchases/notes. I did hide a few non-active ones to add you folks.
SLCPaladin and jpildis, Thank you both for providing the data in this straight forward format/manner. You both have some history/post here also.
jz451, thanks for providing the interesting account.
I've watched this thread and figured it's time to move from spectator to contributor. I intend to report my returns every month from now on.
Taxable Account:
Adjusted Net Annualized Return: 7.61%
Weighted Average Interest Rate: 14.41%
Weighted Average Age of Portfolio: 22.5 mos
Number of Notes: 6054
Grade: A(11.2%) B (26.7%) C(24.0%) D(18.4%) E(16.5%) F(2.6%) G(0.5%)
Term: 36(37.7%) 60(62.3%)
I don't buy or sell on Folio.
vs All Accounts: 84.75
vs Similar Age Accounts: 91.28
vs Similar Age and WAIR Accounts: 91.45
Impressive long history and without Folio. Thanks for sharing and ongoing updates.
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%
Thanks for sharing your history and ongoing efforts. Pretty even distribution: "Purchased [folio] vs Originated: 52% / 48%". Thanks for the XIRR data point that help back up your C/ANARs.
It is about time I finally posted my returns after starting nine months ago, so here we go. All but one note is from folio after accidently not turning off a LendingRobot filter.
Combined ANAR: 10.11%
Weighted Average Interest Rate: 23.2%
Weighted Average Age of Portfolio: 25.22 mos <<<<calculated from my excel returns file due to being combined.
Number of Notes: 101 (93 active)
Grade: A(0%) B (0%) C(0%) D(7.2%) E(36.2%) F(31.6%) G(24.9%)
Term: 36(1.9%) 60(98.1%)
vs All Accounts: 96.48
vs Similar Age Accounts: 99.28
vs Similar Age and WAIR Accounts: 100.00
Proof photos are attached below.
I wouldn't normally want to post someone so new. 9 month account with 25.22 month old notes which would indicate some stability with the borrowers perhaps. You have a pretty interesting account. Please provide regular updates.
