People will be very upset with A borrowers, until the day where they may be the only one with positive returns. Setting the rules up front on what you want is key in my opinion. And having arbitrary return numbers is normally a bad idea. Relative measures normally get you in less trouble.
Yes ... with all the numbers tossed around here, it's easy to lose track of the fact that class A notes yield (at present) far better returns than CDs with nearly the safety. (Though
not guaranteed! If you would be destroyed by the loss of your LC investment,
run away now.) And it's better than inflation, which is an important relative measure for many investors.
I don't buy the concept of "class diversification". To me, that's just diluting your goals and risk tolerance. Pick the class that fits your goals and risk tolerance and invest there. But make sure to look at historical data: for example, C and D are yielding about the same today, but D notes tanked after the 2008 crash while C notes did not. Past performance is not a guarantee of future performance, but does provide cautionary tales.
Your goal in terms of number of notes is good. You'll see investors here with 100 times as many notes, and they have many reasons. But when you study the statistics and charts -- as it appears you've done -- you find that the diversification benefits of 200
similar notes are pretty much the same as for 20,000 notes.
Edward