Title: Understanding Your Returns Page
Post by: Zach on December 04, 2013, 11:00:00 PM
Post by: Zach on December 04, 2013, 11:00:00 PM
Lending Club's new "Understanding Your Returns" page is somewhat of an interesting direction for them to take, but the comparison information is really intriguing to me.
I was just curious how everyone looks on their performance chart plot....
Here's mine (for my primary/largest account):
I was just curious how everyone looks on their performance chart plot....
Here's mine (for my primary/largest account):
Title: Understanding Your Returns Page
Post by: brycemason on December 04, 2013, 11:00:00 PM
Post by: brycemason on December 04, 2013, 11:00:00 PM
Nice. I posted mine in my portfolio returns page on the P2P-P forum area, but here it is again. Definitely love this chart. Sure aren't many red dots on your page!
[attachment deleted by admin]
- 36 month loans only
- No trading of notes
- Strategy selects approximately 10% of all available 36 month loans (large availability)
[attachment deleted by admin]
Title: Understanding Your Returns Page
Post by: Fred on December 04, 2013, 11:00:00 PM
Post by: Fred on December 04, 2013, 11:00:00 PM
Please make sure we are aware of the following disclaimer on the top of page (https://www.lendingclub.com/account/lenderBenchmarkReturns.action) :
Quote
Quote
Title: Understanding Your Returns Page
Post by: Lovinglifestyle on December 04, 2013, 11:00:00 PM
Post by: Lovinglifestyle on December 04, 2013, 11:00:00 PM
Thanks for sharing!
I tried to post mine, but I couldn't figure out how.
Sorry.
I tried to post mine, but I couldn't figure out how.
Sorry.
Title: Understanding Your Returns Page
Post by: TravelingPennies on December 05, 2013, 11:00:00 PM
Post by: TravelingPennies on December 05, 2013, 11:00:00 PM
Title: Understanding Your Returns Page
Post by: storm on December 05, 2013, 11:00:00 PM
Post by: storm on December 05, 2013, 11:00:00 PM
My mature portfolio...
[attachment deleted by admin]
[attachment deleted by admin]
Title: Understanding Your Returns Page
Post by: Inflationhawk on December 05, 2013, 11:00:00 PM
Post by: Inflationhawk on December 05, 2013, 11:00:00 PM
Wow, well done Storm! Do you use Folio or hold your notes to maturity? If you use Folio, mind sharing your basic strategy?
Title: Understanding Your Returns Page
Post by: New Jersey Guy on December 05, 2013, 11:00:00 PM
Post by: New Jersey Guy on December 05, 2013, 11:00:00 PM
"Please make sure we are aware of the following disclaimer on the top of page (https://www.lendingclub.com/account/lenderBenchmarkReturns.action) :"
I got this graph and could not figure out what the hell it meant! Now I just realized my graph doesn't have the little, light blue dot. I'm figuring it's because I trade on Folio.
Fred.....does yours have the little, light blue dot?
It's not fair. I want a little, light blue dot, too
I got this graph and could not figure out what the hell it meant! Now I just realized my graph doesn't have the little, light blue dot. I'm figuring it's because I trade on Folio.
Fred.....does yours have the little, light blue dot?
It's not fair. I want a little, light blue dot, too
Title: Understanding Your Returns Page
Post by: core on December 05, 2013, 11:00:00 PM
Post by: core on December 05, 2013, 11:00:00 PM
NJG- If I had to guess I'd say it's not because you trade on Folio, but because you have purchased 100% of your notes on Folio. Well that still doesn't make sense though, because Folio users still get a NAR and everything for those notes that they are holding. Heck if I know.
I'm just eagerly awaiting this new version that Peter says is on the way which takes into account Folio users too. They are probably having troubles trying to get the graph high enough to accommodate our returns! :p The graph is going to look like an flat outline of the earth's crust with a few satellites orbiting out there in the heavens.
I'm just eagerly awaiting this new version that Peter says is on the way which takes into account Folio users too. They are probably having troubles trying to get the graph high enough to accommodate our returns! :p The graph is going to look like an flat outline of the earth's crust with a few satellites orbiting out there in the heavens.
Title: Understanding Your Returns Page
Post by: TravelingPennies on December 05, 2013, 11:00:00 PM
Post by: TravelingPennies on December 05, 2013, 11:00:00 PM
"They are probably having troubles trying to get the graph high enough to accommodate our returns!"
That would greatly help. The good news is, My NAR on LC has now dropped to -35%. Getting there! I figure 5 more months, and I'll be back at zero!
That would greatly help. The good news is, My NAR on LC has now dropped to -35%. Getting there! I figure 5 more months, and I'll be back at zero!
Title: Understanding Your Returns Page
Post by: rawraw on December 05, 2013, 11:00:00 PM
Post by: rawraw on December 05, 2013, 11:00:00 PM
Title: Understanding Your Returns Page
Post by: TravelingPennies on December 05, 2013, 11:00:00 PM
Post by: TravelingPennies on December 05, 2013, 11:00:00 PM
Title: Understanding Your Returns Page
Post by: TravelingPennies on December 05, 2013, 11:00:00 PM
Post by: TravelingPennies on December 05, 2013, 11:00:00 PM
Users taking advantage of the pre-IGP Folio sales would have a large upwards force in their blue dot. Is that advantage gone these days?
Title: Understanding Your Returns Page
Post by: TravelingPennies on December 05, 2013, 11:00:00 PM
Post by: TravelingPennies on December 05, 2013, 11:00:00 PM
I don't have a little blue dot either. And unlike NJG, my NAR isn't negative. The force must not be strong enough with me.
You can hit the URL directly and grab the data for offline crunching, like so:
https://www.lendingclub.com/account/benchmarkScatterChart.action?adjOnOff=ON&myWeightedAvgIntRate=0.150&similarPercent=1&minNotes=100&portfolioConcentration=2.5
One of the fields appears to show how many notes everybody's got, which I find particularly interesting.
You can hit the URL directly and grab the data for offline crunching, like so:
https://www.lendingclub.com/account/benchmarkScatterChart.action?adjOnOff=ON&myWeightedAvgIntRate=0.150&similarPercent=1&minNotes=100&portfolioConcentration=2.5
One of the fields appears to show how many notes everybody's got, which I find particularly interesting.
Title: Understanding Your Returns Page
Post by: TravelingPennies on December 05, 2013, 11:00:00 PM
Post by: TravelingPennies on December 05, 2013, 11:00:00 PM
Title: Understanding Your Returns Page
Post by: storm on December 05, 2013, 11:00:00 PM
Post by: storm on December 05, 2013, 11:00:00 PM
Title: Understanding Your Returns Page
Post by: brycemason on December 05, 2013, 11:00:00 PM
Post by: brycemason on December 05, 2013, 11:00:00 PM
Title: Understanding Your Returns Page
Post by: Lovinglifestyle on December 05, 2013, 11:00:00 PM
Post by: Lovinglifestyle on December 05, 2013, 11:00:00 PM
Title: Understanding Your Returns Page
Post by: SeanMcD on December 05, 2013, 11:00:00 PM
Post by: SeanMcD on December 05, 2013, 11:00:00 PM
Title: Understanding Your Returns Page
Post by: TravelingPennies on December 05, 2013, 11:00:00 PM
Post by: TravelingPennies on December 05, 2013, 11:00:00 PM
I've used Folio for selling only so far, mostly lates.
If neither of these attempts to post the image work I'll delete this post asap.
[attachment deleted by admin]
If neither of these attempts to post the image work I'll delete this post asap.
[attachment deleted by admin]
Title: Understanding Your Returns Page
Post by: TravelingPennies on December 05, 2013, 11:00:00 PM
Post by: TravelingPennies on December 05, 2013, 11:00:00 PM
Well, it's there, but those aren't the custom settings I was hoping to capture.
Title: Understanding Your Returns Page
Post by: TravelingPennies on December 05, 2013, 11:00:00 PM
Post by: TravelingPennies on December 05, 2013, 11:00:00 PM
These are the custom settings with account info. (I hope!)
[attachment deleted by admin]
[attachment deleted by admin]
Title: Understanding Your Returns Page
Post by: skr5e on December 06, 2013, 11:00:00 PM
Post by: skr5e on December 06, 2013, 11:00:00 PM
Great job, here's where I fall:
As far as NAR it's slightly above average for now, which is surprising considering my early mistakes.
EDIT: now I can see everyone else's images too.
As far as NAR it's slightly above average for now, which is surprising considering my early mistakes.
EDIT: now I can see everyone else's images too.
Title: Understanding Your Returns Page
Post by: viking on December 07, 2013, 11:00:00 PM
Post by: viking on December 07, 2013, 11:00:00 PM
Title: Understanding Your Returns Page
Post by: TravelingPennies on December 07, 2013, 11:00:00 PM
Post by: TravelingPennies on December 07, 2013, 11:00:00 PM
Title: Understanding Your Returns Page
Post by: Fred on December 07, 2013, 11:00:00 PM
Post by: Fred on December 07, 2013, 11:00:00 PM
Title: Understanding Your Returns Page
Post by: core on December 07, 2013, 11:00:00 PM
Post by: core on December 07, 2013, 11:00:00 PM
Title: Understanding Your Returns Page
Post by: TravelingPennies on December 07, 2013, 11:00:00 PM
Post by: TravelingPennies on December 07, 2013, 11:00:00 PM
Very vigilant users were able to detect notes that were just about to go into grace and then sell them onto an unsuspecting buyer, preserving their ROI. It wasn't quite to the level of information asymmetry but definitely an advantage which has been quashed. Many of the blue dots many standard deviations above the norm used this and are unsustainable and incomparable to strategies which let the loan die in the portfolio.
from: viking on December 08, 2013, 02:50:09 AM
from: viking on December 08, 2013, 02:50:09 AM
Title: Understanding Your Returns Page
Post by: dontvote on December 26, 2013, 11:00:00 PM
Post by: dontvote on December 26, 2013, 11:00:00 PM
Can anyone tell if adjusting the returns for past due notes hits all dots with your adjustment levels or just uses LC's defaults?
I'm not going to post the graph but in my cash acct I look just like Bryce only stupider (same WA Interest Rate and slightly younger portfolio, slightly lower return). I don't trade folio though.
Maybe in real life I look just like Bryce only stupider.
dontjudgeabookbyitsNAR
I'm not going to post the graph but in my cash acct I look just like Bryce only stupider (same WA Interest Rate and slightly younger portfolio, slightly lower return). I don't trade folio though.
Maybe in real life I look just like Bryce only stupider.
dontjudgeabookbyitsNAR
Title: Understanding Your Returns Page
Post by: rawraw on December 27, 2013, 11:00:00 PM
Post by: rawraw on December 27, 2013, 11:00:00 PM
Has anyone noticed more people with negative NARs are now on the graph? Perhaps it was a conspiracy to hide negative returns. Alert Core
Title: Understanding Your Returns Page
Post by: RaymondG on January 14, 2014, 11:00:00 PM
Post by: RaymondG on January 14, 2014, 11:00:00 PM
I noticed that the dots dropped much more than it was several weeks ago when I compared the charts with and without Adjustment to return. Does it indicate that larger percentage of loans is deteriorating? My account have more bad loans in recent 2 months. Any guess about why?
-Raymond
[attachment deleted by admin]
-Raymond
[attachment deleted by admin]
Title: Understanding Your Returns Page
Post by: Joleran on January 14, 2014, 11:00:00 PM
Post by: Joleran on January 14, 2014, 11:00:00 PM
There's a lot of speculation that around this time of the year, people's finances are more likely to experience temporary setbacks due to overspending on the holidays.
Title: Understanding Your Returns Page
Post by: TravelingPennies on January 16, 2014, 11:00:00 PM
Post by: TravelingPennies on January 16, 2014, 11:00:00 PM
Here is mine FWIW
[attachment deleted by admin]
[attachment deleted by admin]
Title: Understanding Your Returns Page
Post by: PeerSocialLending on January 16, 2014, 11:00:00 PM
Post by: PeerSocialLending on January 16, 2014, 11:00:00 PM
Not sure if it is related, but I had several issues with the filters actually displaying/changing the dots based on my selections. Next time I logged on, it seemed to be working again.