Author Topic: What does your "Understanding Your Returns" page look like? Here's mine  (Read 252071 times)

Edward Reid

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2017-05-01

Adjusted Net Annualized Return:    7.82%
Weighted Average Interest Rate:    13.74%
Weighted Average Age of Portfolio:    12.1 mos
Number of Notes:    456

Grade
A (0.4%) B (2.3%) C (95.6%) D (1.7%) E (0.0%) F (0.0%) G (0.0%)

Term
Payments  36 (36.8%) 60 (63.2%)

lc.geekminute.com is throwing 502s at me tonight.

vs All Accounts: 87.93
vs Similar Age Accounts: 95.28
vs Similar Age and WAIR Accounts: 96.10

(no folio)
« Last Edit: May 01, 2017, 11:40:56 AM by Edward Reid »

jheizer

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lc.geekminute.com is throwing 502s at me tonight.

Back up.  Some things didn't come back up after a power outage correctly.
Replacement to P2P Quant's Percentile Tool http://lc.geekminute.com

Rob L

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01 May 2017

Combined Returns
Adjusted Net Annualized Return:            7.52%

Weighted Average Interest Rate:           17.42%
Weighted Average Age of Portfolio:        30.6 mos
Number of Notes:                                  9715

A (0.4%) B (6.1%) C(1.6%) D(59.9%) E(31.2%) F(0.7%) G(0.0%)                                 

Term 36(100%) 60(0%)

vs All Accounts: 85.89
vs Similar Age Accounts: 92.87
vs Similar Age and WAIR Accounts: 94.12

Lovinglifestyle

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01 May 2017

Combined Returns
Adjusted Net Annualized Return:      8.50%

Weighted Average Interest Rate:     18.57%
Weighted Average Age of Portfolio:  40.0 mos
Number of Notes:  5857

A (0.4%)  B (8.5%)  C(11.4%)  D(13.1%)  E(39.6%)  F(19.7%)  G(7.2%)

Term  36(39.1%)  60(60.9%)

vs All Accounts:  90.89
vs Similar Age Accounts:  0.00
vs Similar Age and WAIR Accounts:  0.00
Warning, the chart is slow to generate.
(I waited two minutes, but the 0.00 result didn't change.)

Have not used Folio for 9 weeks.  Am reinvesting in new notes sparingly.

I hope at least half of the people who haven't posted any 2017 returns yet will do so this month.






Fred93

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5/1/2017
ANAR 7.81%
WAIR 13.44%
Avg age 17.3
# 7184
Grade A...G  1.4% 28.4% 53.3% 12.9% 3.9% 0% 0%
vs all 87.93%
vs similar age 97.47%
vs similar similar age & WAIR 97.67%

hamblingl

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5/1/2017
ANAR 6.36%
WAIR 15.7%
Avg age  20.2
# 1,096
Grade A...G  1.6% 12.2% 29.6% 33.2% 14.9% 6.3% 2.2%
vs all 72.97%
vs similar age 86.46%
vs similar similar age & WAIR 87.11%

jz451

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Adjusted Net Annualized Return:    11.47%
Weighted Average Interest Rate:    20.93%
Weighted Average Age of Portfolio:    23.79 mos
Number of Notes:    195

Grade
A (0%) B (0%) C (2.5%) D (34.4%) E (41.2%) F (11.4%) G (10.0%)

Term
Payments  36 (0.4%) 60 (99.6%)

vs All Accounts: 97.76
vs Similar Age Accounts: 99.83
vs Similar Age and WAIR Accounts: 100.00

lascott

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5/1/2017

Placing this here until I get to all this in a couple/few days. (ANARCompare not done yet).  Don't have high hopes for my overall gains (interest - losses) as I watch my 'Adjusted Account Value' on the main LC summary page about every day yoyo up and down about back to the same value over the week. 3 steps forward 3 steps backward as it were.

Some may not realize but you can just cut-n-paste from the LC webpages and this is what it looks like.  Tip For the grades and terms, I start at the right most paren and highlight to the left.

Taxable
Adjusted Net Annualized Return3 ?:   5.39%
Weighted Average Interest Rate:   12.13%
Weighted Average Age of Portfolio:   19.7 mos
Number of Notes:   10,906
A(26.9%) B (27.9%) C(21.3%) D(11.6%) E(8.6%) F(2.3%) G(1.4%)
Payments  36(75.8%) 60(24.2%)

Roth
Adjusted Net Annualized Return3 ?:   5.48%
Weighted Average Interest Rate:   10.90%
Weighted Average Age of Portfolio:   19.8 mos
Number of Notes:   6,074
A(24.1%) B (31.0%) C(25.9%) D(10.2%) E(8.3%) F(0.3%) G(0.2%)
Payments  36(68.3%) 60(31.7%)
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

rubicon

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May 01

https://www.lendingclub.com/account/summary.action
ANAR: 10.13% (combined return)
Number of notes: 29446

https://www.lendingclub.com/account/lenderBenchmarkReturns.action
Weighted Average Age of Portfolio: 22.0 months

https://www.lendingclub.com/account/lenderAccountDetail.action
Weighted Average Rate:16.30%
A: 0.3%
B: 4.8%
C: 33.5%
D: 35.4%
E: 19.8%
F: 5.2%
G:  0.9%

36: 87.1%
60: 12.9%

jennrod12

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Jennrod12 "buy & hold" account:

Adjusted Net Annualized Return: 3.82% - just awful!
Weighted Average Interest Rate: 13.48%
Weighted Average Age of Portfolio: 18.5 mos
Number of Notes: 200
Number of Active Notes: 140 (40 fully paid, 20 (10%) charged off)


A (1.8%) B (21.6%) C (40.5%) D (24.7%) E (8.2%) F (3.2%) G(0.0%)
Payments  36 (99.0%) 60 (1.0%)

vs All Accounts: 25.46
vs Similar Age Accounts: 32.78
vs Similar Age and WAIR Accounts: 30.86

Thanks for compiling these stats!

Jenn

SLCPaladin

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As of 5/3/2017:

Adjusted Net Annualized Return:  7.34%
Weighted Average Interest Rate: 14.21%
Weighted Average Age of Portfolio: 25.3 mos
Number of Notes: 6415

Grade
A (13.0%) B (27.8%) C (23.0%)
D (17.2%) E (15.9%) F (2.5%) G (0.6%)

Term
36 (42.7%) 60 (57.3%)

vs All Accounts: 84.59
vs Similar Aged Accounts: 92.22
vs Similar Aged and WAIR Accounts: 91.69

Paulie2083

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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
As of 5/4

Adjusted Net Annualized Return3 ?:   9.67%
Weighted Average Interest Rate:   19.60%
Weighted Average Age of Portfolio:   9.0 mos
Number of Notes:   1,383

(0.0%) B (0.0%) C(1.2%) D(64.0%) E(34.9%) F(0.0%) G(0.0%)

vs All Accounts:
94.52
vs Similar Age Accounts:
96.05
vs Similar Age and WAIR Accounts:
91.96

lascott

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Apr'17 (vs Mar'17)
Image: http://i.imgur.com/EorngO4.jpg
Image: http://i.imgur.com/P6fB11B.jpg
Image: http://i.imgur.com/SZ4sHt4.jpg
<snip>
Added ANAR Compare URL to spreadsheet above: http://lc.geekminute.com/Home/ANARCompare
« Last Edit: June 18, 2017, 03:13:06 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

rubicon

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May 31

https://www.lendingclub.com/account/summary.action
ANAR: 10.10% (combined return)
Number of notes: 31715

https://www.lendingclub.com/account/lenderBenchmarkReturns.action
Weighted Average Age of Portfolio: 23.0 months

https://www.lendingclub.com/account/lenderAccountDetail.action
Weighted Average Rate:16.46%
A: 0.3%
B: 4.8%
C: 31.3%
D: 34.5%
E: 22.0%
F: 5.9%
G:  1.2%

36: 88.3%
60: 11.7%

Edward Reid

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #599 on: June 01, 2017, 12:29:52 AM »
2017-06-01

Adjusted Net Annualized Return:   7.76%
Weighted Average Interest Rate:   13.76%
Weighted Average Age of Portfolio:   12.8 mos
Number of Notes:   464

Grade: A(0.4%) B (1.9%) C(96.0%) D(1.6%) E(0.0%) F(0.0%) G(0.0%)
Term: Payments  36(38.9%) 60(61.1%)

vs All Accounts: 86.99
vs Similar Age Accounts: 95.22
vs Similar Age and WAIR Accounts: 96.08

no folio