Author Topic: What does your "Understanding Your Returns" page look like? Here's mine  (Read 248188 times)

Fudgenut

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #525 on: February 03, 2017, 01:04:21 PM »
Feb 3, 2017

Fudgenut SEP IRA:
Adjusted Net Annualized Return:   9.43%
Weighted Average Interest Rate:   18.88%
Weighted Average Age of Portfolio:   25.5 mos
Number of Notes:   5,251

A(0.0%) B (0.7%) C(19.3%) D(46.0%) E(23.8%) F(8.2%) G(1.9%)
Payments  36(33.6%) 60(66.4%)

COMBINED
vs All Accounts:
94.81
vs Similar Age Accounts:
98.66
vs Similar Age and WAIR Accounts:
97.34


Fudgenut ROTH IRA:
Adjusted Net Annualized Return3 ?:   8.84%
Weighted Average Interest Rate:   18.95%
Weighted Average Age of Portfolio:   26.3 mos
Number of Notes:   4,212

A(0.0%) B (0.7%) C(20.7%) D(44.7%) E(23.2%) F(8.8%) G(1.8%)
Payments  36(31.5%) 60(68.5%)

FOLIO COMBINED
vs All Accounts:
92.87
vs Similar Age Accounts:
97.43
vs Similar Age and WAIR Accounts:
93.51


Fudgenut Taxable:

Adjusted Net Annualized Return3 ?:   8.33%
Weighted Average Interest Rate:   18.86%
Weighted Average Age of Portfolio:   24.4 mos
Number of Notes:   2,404

A(0.0%) B (0.0%) C(9.9%) D(53.7%) E(26.7%) F(8.4%) G(1.3%)
Payments  36(22.1%) 60(77.9%)

FOLIO COMBINED
vs All Accounts:
90.53
vs Similar Age Accounts:
95.48
vs Similar Age and WAIR Accounts:
92.38

lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #526 on: February 03, 2017, 07:34:58 PM »
If anyone has updates of Jan, please get them in. I will update the spreadsheet over the weekend. Thx
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 #527 on: February 03, 2017, 10:42:19 PM »
Combined ANAR:  8.39

Adjusted Net Annualized Return:  14.35%
Weighted Average Interest Rate:    18.47%
Weighted Average Age of Portfolio:  37.7 mos
Number of Notes:  5,774

A(0.4%) B (9.9%) C(12.5%) D(13.6%) E(37.9%) F(19.2%) G(6.5%)
36(37.5%) 60(62.5%)

vs All Accounts:
90.53
vs Similar Aged Accounts: (37.7 months)
0.00
vs Similar Aged and WAIR Accounts: (37.7 and 18.47)
0.00
« Last Edit: February 04, 2017, 09:53:15 AM by Lovinglifestyle »

storm

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #528 on: February 03, 2017, 11:13:22 PM »
Combined ANAR: 9.52%

Weighted Average Interest Rate:   15.16%
Weighted Average Age of Portfolio:   31.2 mos
Number of Notes:   6,428

A(0.0%) B (8.6%) C(45.7%) D(23.5%) E(17.4%) F(3.7%) G(1.2%)
36(33.5%) 60(66.5%)

vs All Accounts:  95.06
vs Similar Aged Accounts:  0.00
vs Similar Aged and WAIR Accounts:  0.00

XIRR:  9.98%

Paulie2083

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #529 on: February 04, 2017, 12:20:35 AM »
Adjusted Net Annualized Return3 ?:   10.01%
Weighted Average Interest Rate:   19.54%
Weighted Average Age of Portfolio:   7.5 mos
Number of Notes:   1,168

vs All Accounts:
96.16
vs Similar Aged Accounts:
95.64
vs Similar Aged and WAIR Accounts:
91.07

A(0.0%) B (0.0%) C(1.4%) D(63.0%) E(35.6%) F(0.0%) G(0.0%)
Payments  36(52.1%) 60(47.9%
« Last Edit: February 04, 2017, 12:23:27 AM by Paulie2083 »

lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #530 on: February 06, 2017, 11:48:19 AM »
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

Adjusted Net Annualized Return:    11.56%
Weighted Average Interest Rate:    22.37%
Weighted Average Age of Portfolio:    22.06 mos
Number of Notes:    124
Grade A (0%) B (0%) C (0%) D (15.7%) E (43%) F (22.2%) G (19.1%)
Term 36 (1.2%) 60 (98.2%)
vs All Accounts: 98.33 vs Similar Aged Accounts: 99.83 vs Similar Aged and WAIR Accounts: 100.00

This looks like a pretty big change for 1 month. Are you just buying and selling on Folio? Or are these just new purchased notes and because you have so few notes it is making the percentage change so much?
D(7.2%) E(36.2%) F(31.6%) G(24.9%)
D (15.7%) E (43%) F (22.2%) G (19.1%)
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

jz451

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #531 on: February 06, 2017, 12:14:48 PM »
Yes I have added $500 work on notes on Folio, about 25 notes with the added notes changing the composition of the portfolio. I'm going into less risky notes in the D-E range, and have another $2500 I might be moving into my account in the coming months.

lascott

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« Last Edit: February 06, 2017, 06:13:04 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

ThinleyWangchuk

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #533 on: February 28, 2017, 08:29:41 PM »
Adjusted Net Annualized Return :   9.81%
Weighted Average Interest Rate:   20.95%
Weighted Average Age of Portfolio:   28.4 mos
Number of Notes:   1,353

vs All Accounts:
95.71
vs Similar Age Accounts:
99.25
vs Similar Age and WAIR Accounts:
97.30

--

Adjusted Net Annualized Return3 ?:   15.87%
Weighted Average Interest Rate:   20.76%
Weighted Average Age of Portfolio:   51.2 mos
Number of Notes:   79

vs All Accounts:
99.83
vs Similar Age Accounts:
0.00
vs Similar Age and WAIR Accounts:
0.00
« Last Edit: February 28, 2017, 08:38:02 PM by ThinleyWangchuk »

rubicon

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #534 on: February 28, 2017, 10:31:50 PM »
Feb 28

https://www.lendingclub.com/account/summary.action
ANAR: 10.22% (combined return)
Number of notes: 27503

https://www.lendingclub.com/account/lenderBenchmarkReturns.action
Weighted Average Age of Portfolio: 20.0 months

https://www.lendingclub.com/account/lenderAccountDetail.action
Weighted Average Rate:16.11%
A: 0.4%
B: 4.5%
C: 37.1%
D: 35.9%
E: 16.8%
F: 4.5%
G:  0.8%

36: 86.9%
60: 13.1%

jz451

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #535 on: March 01, 2017, 01:44:05 AM »
Adjusted Net Annualized Return :   10.87%
Weighted Average Interest Rate:   22.08%
Weighted Average Age of Portfolio:   22.98 mos
Number of Notes:   134

vs All Accounts: 97.37
vs Similar Age Accounts: 99.75
vs Similar Age and WAIR Accounts: 100.00


lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #536 on: March 01, 2017, 10:16:27 AM »
Adjusted Net Annualized Return :   10.87%
Weighted Average Interest Rate:   22.08%
Weighted Average Age of Portfolio:   22.98 mos
Number of Notes:   134

vs All Accounts: 97.37
vs Similar Age Accounts: 99.75
vs Similar Age and WAIR Accounts: 100.00
A-G? 36/60?
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

SLCPaladin

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #537 on: March 01, 2017, 10:59:09 AM »
As of 3/1/2017

Adjusted Net Annualized Return:  7.48%
Weighted Average Interest Rate: 14.23%
Weighted Average Age of Portfolio: 23.3 mos
Number of Notes: 6382

Grade
A (13.2%) B (28.0%) C (23.1%)
D (17.1%) E (15.6%) F (2.5%) G (0.6%)

Term
36 (42.9%) 60 (57.1%)

vs All Accounts: 84.53
vs Similar Aged Accounts: 91.97
vs Similar Aged and WAIR Accounts: 90.51

Edward Reid

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #538 on: March 01, 2017, 11:17:57 AM »
2017-03-01

Adjusted Net Annualized Return:    7.67%
Weighted Average Interest Rate:    13.65%
Weighted Average Age of Portfolio:    12.9 mos
Number of Notes:    389

Grade
A (0.6%) B (3.2%) C (93.9%)
D (2.3%) E (0.0%) F (0.0%) G (0.0%)

Term
Payments  36 (21.1%) 60 (78.9%)

vs All Accounts:
    86.28
vs Similar Age Accounts:
    93.77
vs Similar Age and WAIR Accounts:
    93.32

(no folio)

jz451

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #539 on: March 01, 2017, 11:30:34 AM »
Woops how did I miss that. Also good thing I'm reposting as the ANAR didn't get updated last night.  :P

Adjusted Net Annualized Return :   10.93%
Weighted Average Interest Rate:   22.08%
Weighted Average Age of Portfolio:   22.98 mos
Number of Notes:   134

Grade
A (0%) B (0%) C (0%)
D (19.9%) E (43.7%) F (18.9%) G (17.5%)

Term
36 (0.8%) 60 (99.2%)


vs All Accounts: 97.37
vs Similar Age Accounts: 99.75
vs Similar Age and WAIR Accounts: 100.00

Adjusted Net Annualized Return :   10.87%
Weighted Average Interest Rate:   22.08%
Weighted Average Age of Portfolio:   22.98 mos
Number of Notes:   134

vs All Accounts: 97.37
vs Similar Age Accounts: 99.75
vs Similar Age and WAIR Accounts: 100.00
A-G? 36/60?