Author Topic: What does your "Understanding Your Returns" page look like? Here's mine  (Read 253288 times)

SLCPaladin

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #495 on: December 31, 2016, 02:49:04 PM »
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

Rob L

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #496 on: December 31, 2016, 03:33:14 PM »
30 Dec 2016

Combined Returns
Adjusted Net Annualized Return:            7.83%

Weighted Average Interest Rate:           17.49%
Weighted Average Age of Portfolio:        27.4 mos
Number of Notes:                                 9306

A (0.3%) B (0.6%) C(1.8%) D(64.7%) E(31.9%) F(0.7%) G(0.0%)                                 

Term 36(100%) 60(0%)

vs All Accounts: 86.56
vs Similar Age Accounts: 90.62
vs Similar Age and WAIR Accounts: 84.65

Happy New Year All!!
« Last Edit: December 31, 2016, 03:41:50 PM by Rob L »

jennrod12

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #497 on: December 31, 2016, 03:37:11 PM »
Here is my latest:  Jennrod12 "Buy & Hold" account, no folio

Adjusted Net Annualized Return ?:   4.62%
Weighted Average Interest Rate:   13.48%
Weighted Average Age of Portfolio:   14.4 mos
Number of Notes:   200
Number of Active notes: 162

A(2.3%) B (24.1%) C(41.1%) D(22.2%) E(7.4%) F(3.0%) G(0.0%)
Payments  36(99.2%) 60(0.8%)

vs All Accounts:  27.69
vs Similar Age Accounts:  43.66
vs Similar Age and WAIR Accounts:  45.95

Thank you, and Happy New Year!

Jenn

jz451

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #498 on: December 31, 2016, 05:36:15 PM »
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.   


« Last Edit: December 31, 2016, 05:39:43 PM by jz451 »

Edward Reid

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #499 on: December 31, 2016, 08:52:37 PM »
2017-01-01

Adjusted Net Annualized Return:    8.58%
Weighted Average Interest Rate:    13.58%
Weighted Average Age of Portfolio:    11.5 mos
Number of Notes:    377

Grade
A (0.8%) B (3.5%) C (93.1%)
D (2.5%) E (0.0%) F (0.0%) G (0.0%)

Term
Payments  36 (18.1%) 60 (81.9%)

vs All Accounts:
    91.31
vs Similar Age Accounts:
    95.92
vs Similar Age and WAIR Accounts:
    96.23

Paulie2083

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #500 on: January 02, 2017, 02:10:41 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
December Update

Adjusted Net Annualized Return:   10.99%
Weighted Average Interest Rate:   19.46%
Weighted Average Age of Portfolio:   7.0 mos
Number of Notes:   1,076

A(0.0%) B (0.0%) C(1.5%) D(63.1%) E(35.4%) F(0.0%) G(0.0%)

vs All Accounts:
97.81
vs Similar Age Accounts:
96.91
vs Similar Age and WAIR Accounts:
91.14

i have 25  notes 31+ days late so i'm expecting to take quite the hit in the upcoming months. up to 14 charged off loans now.

jheizer

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JohnnyP

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #502 on: January 03, 2017, 07:40:16 PM »
Where do you get you ranking versus other accounts like this:

vs All Accounts:
    91.31
vs Similar Age Accounts:
    95.92
vs Similar Age and WAIR Accounts:
    96.23

I do not see it on my "Understanding Your Returns" page.

jheizer

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #503 on: January 03, 2017, 07:41:01 PM »
See my signature.
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BruiserB

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #504 on: January 04, 2017, 05:42:23 PM »
My Updates:

Measure         Standard Account                 IRA Account
ANAR             7.81                                      6.44
WAIR             17.61                                    19.24
WAAoP          27.6                                      19.1
#Notes           13,453                                  1,997
WAIR-ANAR   9.80                                      12.80
A                    4.0                                        0.0
B                    14.5                                       0.2
C                    16.9                                       21.3
D                    19.5                                      29.6
E                    24.9                                       29.5
F                     16.9                                       17.3
G                    3.3                                         2.2
36                  39.0                                        29.1
60                  61.0                                       70.9
Q                    88.19                                     70.46
R                    91.30                                     82.51
S                    87.67                                     79.14
                      No Folio                                  No Folio

2016 XIRR      4.12%                                     3.69
Reinvesting?   No                                          Yes, with NSR Invest Aggressive Managed

lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #505 on: January 05, 2017, 12:48:09 AM »
Updated stats for my accounts- let me know if I missed anything?
Yes, Please provide the "Weighted Average Interest Rate (WAIR)" in the future. I just added on 2 months to what you had before (14.1+2) for the time being since that is how long you did your previous update. However, I'm guessing you were buying on Folio so that age addition may not be accurate. Thanks.
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lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #506 on: January 05, 2017, 02:02:17 AM »
Thanks for all the updates. People are making some changes in the notes they are buying!

I updated about 1/2 and will finish in the morning and post the sheets.
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lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #507 on: January 05, 2017, 12:08:47 PM »
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.
« Last Edit: January 05, 2017, 12:49:33 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

lascott

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« Last Edit: February 06, 2017, 01:20:25 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

dr.everett

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #509 on: January 05, 2017, 03:02:26 PM »
Updated stats for my accounts- let me know if I missed anything?
Yes, Please provide the "Weighted Average Interest Rate (WAIR)" in the future. I just added on 2 months to what you had before (14.1+2) for the time being since that is how long you did your previous update. However, I'm guessing you were buying on Folio so that age addition may not be accurate. Thanks.

Taxable account is 19.31%, and my IRA is 18.25%, taken from https://www.lendingclub.com/account/lenderBenchmarkReturns.action#what-are-nar. I buy almost exclusively on Folio now as very little meets my criteria, and buying notes with a payment history usually avoids "straight rollers".