What grades did you invest in?

What is the average age of your portfolio?

A,B, and C. I don't see anywhere that tells me what the average age of my portfolio

On the main summary page, just to the left of your ANAR number, make sure you've selected "primary notes". Now click on the words "understanding your returns". This will take you to a page with a chart showing everyone's returns, broken out by portfolio age. Your account will be shown as a large dot. You can see how you stack up vs other folks with similar age portfolios. To the left of the chart it shows you the average age of the loans in your portfolio.

If you had all 3-year loans, and they all ran for the entire 3 years, and you had this portfolio long enough so that you have a mix of loans of different ages, they would average out to 18 months. Most porfolios are mix of 3 and 5 year loans, and lots of loans pay off early, so 15-20 months is the typical age of loans in a mature portfolio.

Portfoios with small # of loans experience significantly varied returns just because of the luck of the draw. Its like flipping pennies. Even tho you know the probability of heads should be 50%, you can flip 10 times and get only 3 heads, and that isn't strange. Its just what happens with a small number of flips.

In statistical lingo, the performance of your portfolio is a SAMPLE of the performance of the strategy you are following. With such a small portfolio (75 loans) you may well be following a strategy that will produce 4.5% returns, but your sample right now is returning 2%.