Author Topic: What does your "Understanding Your Returns" page look like? Here's mine  (Read 252056 times)

rubicon

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #630 on: June 18, 2017, 05:14:40 PM »
glad you're both safe. hope you make a full recovery!

jennrod12

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #631 on: June 25, 2017, 05:43:53 PM »
Thanks for the updated chart.  Hope you're doing better!  I hope your son is doing well, too, from the pic it looks like it was a traumatic experience.

Jenn

lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #632 on: June 25, 2017, 07:18:10 PM »
Thanks for the updated chart.  Hope you're doing better!  I hope your son is doing well, too, from the pic it looks like it was a traumatic experience.  Jenn

You are welcome.  My son is doing great. He only had some scrapes and no stitches. You could not tell he was in a car accident.  I am well overall except my left eye area. Continue to see Drs this week. I feel very fortunate overall and thankful it was not worse.
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

RomanLegend

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #633 on: June 27, 2017, 06:47:05 PM »
I've been working on an algorithm for about 3 years.  Seems to be doing pretty well!  I just created a webpage and need some Beta Testers to test the system for free.  If you're interested let me know!  Below is my output!


rubicon

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #634 on: June 30, 2017, 10:26:09 PM »
Jun 30

https://www.lendingclub.com/account/summary.action
ANAR: 10.17% (combined return)
Number of notes: 32034

https://www.lendingclub.com/account/lenderBenchmarkReturns.action
Weighted Average Age of Portfolio: 24.0 months

https://www.lendingclub.com/account/lenderAccountDetail.action
Weighted Average Rate:16.47%
A: 0.3%
B: 4.8%
C: 30.6%
D: 35.2%
E: 22.5%
F: 5.6%
G:  1.1%

36: 89.1%
60: 10.9%

lascott

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #635 on: July 01, 2017, 12:08:08 AM »
ROTH

Adjusted Net Annualized Return3 ?:   5.27%
Weighted Average Interest Rate:   10.90%
Weighted Average Age of Portfolio:   21.8 mos
Number of Notes:   6,106

A (23.1%) B (30.6%) C (26.5%) D (10.5%) E (8.7%) F (0.3%) G (0.2%)
36 (65.8%) 60 (34.2%)


Taxable

Adjusted Net Annualized Return3 ?:   5.34%
Weighted Average Interest Rate:   12.06%
Weighted Average Age of Portfolio:   20.9 mos
Number of Notes:   11,435

A (27.8%) B (28.1%) C (20.9%) D (11.2%) E (8.3%) F (2.3%) G (1.4%)
36 (76.5%) 60 (23.5%)
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 #636 on: July 01, 2017, 03:21:31 AM »
Combined Return
Adjusted Net Annualized Return 8.46%

Weighted Average Interest Rate:   18.77%
Weighted Average Age of Portfolio:   42.8 mos
Number of Notes:   5,656

A(0.5%) B (3.4%) C(9.7%) D(12.5%) E(43.4%) F(21.8%) G(8.9%)

Payments  36(35.6%) 60(64.4%)

vs All Accounts:
90.50
vs Similar Age Accounts:
0.00
vs Similar Age and WAIR Accounts:
0.00
« Last Edit: July 06, 2017, 10:52:50 PM by Lovinglifestyle »

agd

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #637 on: July 01, 2017, 09:38:51 AM »
Account #1
Adjusted Net Annualized Return 9.25%

Weighted Average Interest Rate:   21.45%
Weighted Average Age of Portfolio:   37.4 mos
Number of Notes:   2,696

Account #2
Adjusted Net Annualized Return 9.70%

Weighted Average Interest Rate:   21.35%
Weighted Average Age of Portfolio:   18.7 mos
Number of Notes:   8,056

Rob L

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #638 on: July 01, 2017, 10:16:25 AM »
As of 7/1/2017:

Combined Adjusted Net Annualized Return:  7.38%
Weighted Average Interest Rate: 17.42%
Weighted Average Age of Portfolio: 32.7 mos
Number of Notes: 9715

Notes Breakdown: Active: 3043 (31.3%), Fully Paid: 5309 (54.7%), Charged Off: 1363 (14.0%)
Number of Traded Notes: 1348

Grade
A (0.4%) B (6.0%) C (1.7%) D (59.6%) E (31.5%) F (0.8%) G (0.0%)

Term
36 (100%) 60 (0%)

Weighted Average Age is now past the end of the "Understanding Your Returns" chart (i.e. have no blue dot).

Edward Reid

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #639 on: July 01, 2017, 12:41:33 PM »
Holy cow. Or rather, unholy deer! Very glad that both cars and eye surgery are far better than 50 years ago. I've been through cataract surgery and retinal surgery; neither was nearly as painful as inflammation of third cranial nerve, which among other things resulted in loss of control of one eye for a couple of months. Just saying I know how hard it is to try to do anything with one eye out of commission.

2017-07-01

Adjusted Net Annualized Return:   7.75%
Weighted Average Interest Rate:   13.79%
Weighted Average Age of Portfolio:   13.3 mos
Number of Notes:   480

Grade: A (0.4%) B (1.9%) C (96.2%) D (1.6%) E (0.0%) F (0.0%) G (0.0%)
Term: Payments  36 (42.6%) 60 (57.4%)

vs All Accounts: 86.33
vs Similar Age Accounts: 95.52
vs Similar Age and WAIR Accounts: 96.36

(No folio)

Edward
« Last Edit: July 08, 2017, 10:32:52 PM by Edward Reid »

storm

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #640 on: July 01, 2017, 03:34:37 PM »
Combined ANAR:  9.20%
Weighted Average Interest Rate:   15.12%
Weighted Average Age of Portfolio:   35.4 mos
Number of Notes:   6,624
A (0.0%) B (9.8%) C (44.5%) D (23.4%) E (17.4%) F (3.7%) G (1.2%)
Payments  36 (35.0%) 60 (65.0%)

vs All Accounts:  92.27
vs Similar Age Accounts:  0.00
vs Similar Age and WAIR Accounts:  0.00

XIRR:  9.62%
« Last Edit: July 09, 2017, 03:07:14 PM by storm »

dr.everett

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #641 on: July 01, 2017, 03:54:43 PM »
IRA as of 7-1-17:

Combined Annualized Return:   7.80%
Weighted Average Interest Rate:   18.21%
Weighted Average Rate   18.29%
Weighted Average Age of Portfolio:   34.8 mos
Number of Notes:   12,634

Grade
A(0.3%) B (5.8%) C (18.1%) D (28.8%) E (33.3%) F (11.8%) G (1.9%)

Payments  36 (30.5%) 60 (69.5%)


Taxable as of 7-1-17:(in Liquidation)


Combined Annualized Return:   6.94%
Weighted Average Interest Rate:   19.47%
Weighted Average Rate   18.82%
Weighted Average Age of Portfolio:   23.2 mos
Number of Notes:   5,871


Grade
A (0.2%) B (5.5%) C (15.8%) D (26.2%) E (36.0%) F (13.9%) G (2.4%)

Payments  36 (21.8%) 60 (78.2%)

jz451

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #642 on: July 03, 2017, 10:16:54 PM »
Adjusted Net Annualized Return:   10.82%
Weighted Average Interest Rate:   20.43%
Weighted Average Age of Portfolio:   25.51 mos
Number of Notes: 218

Grade A(0%) B (0%) C(2.6%) D(37%) E(44.9%) F(8.9%) G(6.5%)

Term  36(0.2%) 60(99.8%)


Paulie2083

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #643 on: July 04, 2017, 12:02:06 AM »
anar compare is down

Adjusted Net Annualized Return3 ?:   9.63%
Weighted Average Interest Rate:   19.67%
Weighted Average Age of Portfolio:   10.4 mos
Number of Notes:   1,461

jennrod12

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Re: What does your "Understanding Your Returns" page look like? Here's mine
« Reply #644 on: July 06, 2017, 09:06:22 PM »
Jennrod12 "buy and hold" account - 7/6/17

Adjusted Net Annualized Return: 4.22%
Weighted Average Interest Rate: 13.48%
Weighted Average Age of Portfolio: 20.6 mos
Number of Notes: 200
Number of Active Notes: 134

A(1.2%) B(21.1%) C(41.3%) D(25.1%) E(8.0%) F(3.3%) G(0.0%)
 
36(98.9%) 60(1.1%)

vs All Accounts: 36.48
vs Similar Age Accounts: 43.67
vs Similar Age and WAIR Accounts: 44.02

Thanks!

Jenn