Scott, do you just think it's not worth continuing, ...

Yes, per past discussion I don't think it is worth doing. Certainly not statistically valid only novel. No doubt your trend will continue as it has. You were not in the D,E,F,G frenzy of going for maximum returns. Many long timers are winding down and moving on to other investment areas. I'm on the path taking 4/5th of my money out of LC from the high I had it at. ANAR and XIRR numbers are interesting but where the rubber meets the road is the monthly statements and the amount of earned income vs losses for the month. Then if it is a taxable account factor in 'losing' that amount off the earned interest income.

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Taxable

Adjusted Net Annualized Return3 ?: 5.08%

Weighted Average Interest Rate: 12.05%

Weighted Average Age of Portfolio: 25.9 mos

Number of Notes: 11,536

A (26.1%) B (27.1%) C (21.0%) D (12.2%) E (9.2%) F *** (2.7%) G *** (1.7%)

Payments 36 (74.2%)

IRA ROTH

Adjusted Net Annualized Return3 ?: 4.80%

Weighted Average Interest Rate: 10.86%

Weighted Average Age of Portfolio: 25.8 mos

Number of Notes: 6,843

A (23.8%) B (30.5%) C (25.1%) D (10.9%) E (9.0%) F *** (0.4%) G *** (0.3%)

Payments 36 (65.6%)