Author Topic: What does your "Understanding Your Returns" page look like? Here's mine  (Read 252049 times)

jheizer

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #570 on: March 28, 2017, 03:41:41 PM »
Yeah I saw that after I had updated and replied here.  History page isn't updating either.  I'll look at it eventually.
Replacement to P2P Quant's Percentile Tool http://lc.geekminute.com

rubicon

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #571 on: March 31, 2017, 11:27:54 PM »
Mar 31

https://www.lendingclub.com/account/summary.action
ANAR: 10.15% (combined return)
Number of notes: 28387

https://www.lendingclub.com/account/lenderBenchmarkReturns.action
Weighted Average Age of Portfolio: 21.0 months

https://www.lendingclub.com/account/lenderAccountDetail.action
Weighted Average Rate:16.21%
A: 0.3%
B: 4.7%
C: 35.4%
D: 35.2%
E: 18.5%
F: 5.0%
G:  0.9%

36: 86.5%
60: 13.5%
« Last Edit: April 02, 2017, 07:56:13 AM by rubicon »

storm

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #572 on: April 01, 2017, 12:52:36 AM »
Combined ANAR:  9.52%
Weighted Average Interest Rate:   15.13%
Weighted Average Age of Portfolio:   32.3 mos
Number of Notes:   6,624

A(0.0%) B (9.9%) C(44.9%) D(23.4%) E(17.1%) F(3.6%) G(1.1%)
36(35.7%) 60(64.3%)

vs All Accounts: 94.30
vs Similar Age Accounts: 0.00
vs Similar Age and WAIR Accounts: 0.00

XIRR:  9.86%

jz451

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #573 on: April 01, 2017, 02:58:44 PM »
I started the process of investing $2500 this month into my account which is going to result in a big change to my results over the next couple of months as I slowly churn through the cash.

Combined ANAR:  11.50%
Weighted Average Interest Rate:  21.24%
Weighted Average Age of Portfolio:   23.31 mos
Number of Notes:   169

A(0.0%) B (0.0%) C(0.0%) D(31.4%) E(42.1%) F(13.5%) G(13.0%)
36(0.5%) 60(99.5%)

vs All Accounts: 97.79
vs Similar Age Accounts: 99.81
vs Similar Age and WAIR Accounts: 99.02
« Last Edit: April 01, 2017, 03:00:54 PM by jz451 »

Lovinglifestyle

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #574 on: April 01, 2017, 07:52:18 PM »
Combined ANAR:  8.46
Weighted Average Interest Rate:  18.55
Weighted Average Age of Portfolio:  39.1 mos
Number of Notes:  5835
Active Notes:  1528

A(0.4%) B (8.8%) C(11.7%) D(13.3%) E(38.9%) F(20.0%) G(7.1%)
36(38.2%) 60(61.8%)

vs All Accounts:  91.23
vs Similar Age Accounts:  0.00
vs Similar Age and WAIR Accounts:  0.00

Note:  Am making withdrawals and limiting re-investment.


dr.everett

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #575 on: April 01, 2017, 10:23:38 PM »
IRA:

Combined ANAR: 8.13
Weighted Average Interest Rate:   18.51%
Weighted Average Age of Portfolio:   31.6 mos
Number of Notes:   4,789
Active Notes: 7355

A(0.3%) B (6.0%) C(15.3%) D(27.1%) E(35.4%) F(13.7%) G(2.2%)

vs All Accounts: 89.76
vs Similar Age Accounts: 0.00
vs Similar Age and WAIR Accounts: 0.00


Taxable:

Combined ANAR: 6.73
Weighted Average Interest Rate:   19.39%
Weighted Average Age of Portfolio:   20.1 mos
Number of Notes:   1,724
Active Notes: 5146

A(0.2%) B (5.0%) C(14.1%) D(25.8%) E(37.8%) F(14.9%) G(2.3%)

vs All Accounts: 77.76
vs Similar Age Accounts: 90.17
vs Similar Age and WAIR Accounts: 87.03

Edward Reid

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #576 on: April 02, 2017, 11:56:47 AM »
2017-04-01

Adjusted Net Annualized Return:   8.08%
Weighted Average Interest Rate:   13.73%
Weighted Average Age of Portfolio:   11.6 mos
Number of Notes:   447

Grade
A(0.4%) B (2.4%) C(95.3%) D(1.8%) E(0.0%) F(0.0%) G(0.0%)

Term
Payments  36(35.1%) 60(64.9%)

vs All Accounts: 89.32
vs Similar Age Accounts: 95.10
vs Similar Age and WAIR Accounts: 96.00

(no folio)
« Last Edit: April 02, 2017, 01:18:05 PM by Edward Reid »

SLCPaladin

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #577 on: April 02, 2017, 04:51:55 PM »
As of 4/2/2017:

Adjusted Net Annualized Return:  7.41%
Weighted Average Interest Rate: 14.21%
Weighted Average Age of Portfolio: 24.3 mos
Number of Notes: 6415

Grade
A (13.1%) B (27.9%) C (23.1%)
D (17.1%) E (15.7%) F (2.4%) G (0.6%)

Term
36 (42.9%) 60 (57.1%)

vs All Accounts: 85.28
vs Similar Aged Accounts: 92.48
vs Similar Aged and WAIR Accounts: 93.27

Note: For a variety of reasons, I am withdrawing funds as notes mature and no longer reinvesting. Interest rates are not high enough to offset increased default and perceived risks.
« Last Edit: April 02, 2017, 04:55:06 PM by SLCPaladin »

jennrod12

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #578 on: April 02, 2017, 05:10:50 PM »
Jennrod12 "buy and hold" account:

Adjusted Net Annualized Return:   4.11%
Weighted Average Interest Rate:   13.48%
Weighted Average Age of Portfolio:   17.5 mos
Number of Notes:   200
Number of Active loans: 144

A(2.0%) B (22.1%) C(40.5%) D(24.1%) E(8.0%) F(3.2%) G(0.0%)
Payments 36(99.1%) 60(0.9%)

vs All Accounts: 27.72
vs Similar Age Accounts: 38.95
vs Similar Age and WAIR Accounts: 40.10

My larger IRA account is doing a little better than this, but I am withdrawing funds and don't plan to continue with LC after I've aged out.  It's not worth the trouble.

Thanks for compiling these stats!

Jenn

Fudgenut

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #579 on: April 02, 2017, 05:22:49 PM »
April 2, 2017

Fudgenut SEP IRA:
Adjusted Net Annualized Return:   9.14%
Weighted Average Interest Rate:   18.58%
Weighted Average Age of Portfolio:   26.2 mos
Number of Notes:   5,251

A(0.0%) B (4.8%) C(20.7%) D(43.3%) E(21.9%) F(7.6%) G(1.8%)
Payments  36(39.0%) 60(61.0%)

COMBINED
vs All Accounts:
93.76
vs Similar Age Accounts:
98.82
vs Similar Age and WAIR Accounts:
98.19


Fudgenut ROTH IRA:
Adjusted Net Annualized Return3 ?:   8.55%
Weighted Average Interest Rate:   18.67%
Weighted Average Age of Portfolio:   27.0 mos
Number of Notes:   4,420

A(0.0%) B (4.4%) C(22.0%) D(42.3%) E(21.4%) F(8.3%) G(1.7%)
Payments  36(36.9%) 60(63.1%)

FOLIO COMBINED
vs All Accounts:
91.74
vs Similar Age Accounts:
97.19
vs Similar Age and WAIR Accounts:
94.69


Fudgenut Taxable:

Adjusted Net Annualized Return3 ?:   8.04%
Weighted Average Interest Rate:   18.94%
Weighted Average Age of Portfolio:   25.8 mos
Number of Notes:   2,046

A(0.0%) B (0.0%) C(11.4%) D(50.8%) E(27.2%) F(9.2%) G(1.4%)
Payments  36(20.5%) 60(79.5%)

FOLIO COMBINED
vs All Accounts:
89.32
vs Similar Age Accounts:
95.03
vs Similar Age and WAIR Accounts:
91.71


lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #581 on: April 03, 2017, 12:23:59 PM »
I'll will probably update this tomorrow.  BTW, LC statements are available. Things are moving in the right direction.
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

Paulie2083

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #582 on: April 04, 2017, 01:29:03 PM »
Adjusted Net Annualized Return3 ?:   9.39%
Weighted Average Interest Rate:   19.57%
Weighted Average Age of Portfolio:   8.4 mos
Number of Notes:   1,315

(0.0%) B (0.0%) C(1.2%) D(64.0%) E(34.7%) F(0.0%) G(0.0%)
36(55.9%) 60(44.1%)

vs All Accounts:
94.44
vs Similar Age Accounts:
94.02
vs Similar Age and WAIR Accounts:
90.42
« Last Edit: April 04, 2017, 01:37:25 PM by Paulie2083 »

ameydhar

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #583 on: April 05, 2017, 09:42:26 PM »
Adjusted Net Annualized Return:  7.65%
Weighted Average Interest Rate: 17.36%
Weighted Average Age of Portfolio: 9.6 months
Number of Notes: 574

Grade
A (1.7%) B (7.5%) C (29.2%)
D (35.7%) E (18.5%) F (6.8%) G (0.6%)

Term
36 (48.5%) 60 (51.5l%)

vs All Accounts: 86.91
vs Similar Age Accounts: 88.83
vs Similar Age and WAIR Accounts: 87.67
$10k managed for free at LendingRobot: https://www.lendingrobot.com/ref/seYfx332/

lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #584 on: April 05, 2017, 11:29:00 PM »
Mar'17 (vs Feb'17)
Image: http://i.imgur.com/gbcvn4T.jpg
Image: http://i.imgur.com/HkXiIjt.jpg
Image: http://i.imgur.com/ruIY6Zu.jpg
<snip>
Added ANAR Compare URL to spreadsheet above: http://lc.geekminute.com/Home/ANARCompare
« Last Edit: May 09, 2017, 12:40:02 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