P2P Forum

Lending Club Discussion => Investors - LC => Topic started by: trevor on August 17, 2015, 11:00:00 PM

Title:
Post by: trevor on August 17, 2015, 11:00:00 PM
Be sure to increase the minimum number of notes and decrease the portfolio concentration percentage so it's more accurate.


Show me yours I'll show you mine:




And here is where you can find it:
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Post by: megamx26 on August 17, 2015, 11:00:00 PM
Great thread, I'm hoping others contribute.  My avg age is only 0.4 months since I'm loading in aggressively.  I'll have stuff to show in a few months.  I'm curious if people can also post what their grade composition is so it's more relevant to the strategy they're going with.
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Post by: lascott on August 17, 2015, 11:00:00 PM
Thought it would be fun to play in google spreadsheets to compare P2P investing "philosophies". First time I used conditional formatting w/color scale. Sorted by A, B...G %s. [update]Sorted by WAIR.[/update]

To add yours it is preferable just attach the screens like others or cut-n-paste an image. See info below on where located.

March (vs February {or prevs qtr}) UPDATES:
Image: http://i.imgur.com/DOgwBpz.png
Image: http://i.imgur.com/4dRk4eo.png



How YOU can provide the data to this thread summary:
PeerToPeerQuant (P2PQ) calculator: https://www.peertopeerquant.com/percentile-calculator
Term and Grade composition: https://www.lendingclub.com/account/lenderAccountDetail.action
Understanding Your Returns %s: https://www.lendingclub.com/account/lenderBenchmarkReturns.action#what-are-nar

Image: http://i.imgur.com/8yp8Tuo.png

How YOU can provide the data to this thread details:
Purple box "Understanding Your Returns" (C,D,E,F) from
   https://www.lendingclub.com/account/lenderBenchmarkReturns.action#what-are-nar
Pink box "My Account # More Details" (G..M) from
   https://www.lendingclub.com/account/lenderAccountDetail.action
Green box "My Account # More Details" (N,O) from (click Term)
   https://www.lendingclub.com/account/lenderAccountDetail.action
Blue box "P2PQ % Calc" (P,Q,R)  from (or I can do this)
   http://lc.geekminute.com/Home/ANARCompare

Some people may not want to expose/state how much money they have invested in LC notes. Totally get that.  Number of notes give a general idea (minimum: #notes * $25).

How about providing all the numbers in the chart except the number of notes?

Table update log:
[update 28Oct2015 11am: update w/rubicon's info]
[update 21Oct2015 11am: Several people provided updates]
[update 29Aug2015 9am: Conditional formatted the account age]
[update 29Aug2015 8pm: updated RaymondG, LovingLifeStyle, storm ANARs to use combined & all 3 P2PQ]
[update 28Aug2015 9pm: updated CircleT009, added Edward Reid]
[update 27Aug2015 8am: added rawraw, kitono,Lovinglifestyle]
[update 26Aug2015 11pm: added Peter Renton]
[update 24Aug2015 8am: added jheiser]
[update 22Aug2015 4pm: added Simon Simon -- http://www.lendingmemo.com/returns-2015-q2/]
[update 22Aug2015 9am: added jonpildis, CircleT009 and lascott ROTH]
[update 20Aug2015 9pm: updated P2PQ for storm and altern P2PQ for RaymondR]
[update 20Aug2015 5pm: updated P2PQ for aliengar0]
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Post by: TravelingPennies on August 17, 2015, 11:00:00 PM
@lascott  :  curious, why are you going more conservative?
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Post by: RaymondG on August 17, 2015, 11:00:00 PM
The Combined & Adjusted Net Annualized Return (ANAR) overall is 10.64%. I really wish LC can draw this chart with Combined ANAR which is more accurate return for accounts that have traded on FolioFn.
The green dot is the Combined ANAR of the portfolio using latest loan filtering method for past 1.5 years. Its Weighted Average Rate is 18.3%, and has similar loan compositions like the whole account. I am glad that my interest received is more than 3 times of loss from all non-performing loans.
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Post by: TravelingPennies on August 17, 2015, 11:00:00 PM
from: megamx26 on August 18, 2015, 09:27:46 PM
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Post by: BruiserB on August 18, 2015, 11:00:00 PM
Here are mine:

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Post by: TravelingPennies on August 19, 2015, 11:00:00 PM
from: megamx26 on August 18, 2015, 02:40:03 PM
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Post by: TravelingPennies on August 19, 2015, 11:00:00 PM
from: BruiserB on August 19, 2015, 01:37:00 PM
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Post by: aliengar0 on August 19, 2015, 11:00:00 PM

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Post by: TravelingPennies on August 19, 2015, 11:00:00 PM
Thought it would be fun to play in google spreadsheets to compare P2P investing "philosophies". First time I used conditional formatting w/color scale. Sorted by A, B...G %s.

http://www.lendacademy.com/forum/index.php?topic=3365.msg30067#msg30067

from: trevor on August 18, 2015, 02:24:02 PM
Title:
Post by: storm on August 19, 2015, 11:00:00 PM
I haven't done any Folio trades in about 6 months.  Combined NAR:  10.86%.  IRR:  10.34%.

I started investing in 2008 and in mostly A and B notes.  Now I only invest in loans that pay 12% interest or greater.  I'm not sure those old paid off loans are ever culled from my composition numbers.
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Post by: TravelingPennies on August 19, 2015, 11:00:00 PM
from: storm on August 20, 2015, 06:22:11 PM
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Post by: TravelingPennies on August 19, 2015, 11:00:00 PM
from: lascott on August 20, 2015, 06:38:16 PM
Title:
Post by: TravelingPennies on August 19, 2015, 11:00:00 PM
In P2PQ chart, our numbers are compared to the investors that have never traded on FolioFn. I suggest that it's best to use the Combined ANAR  than the ANAR from "Understanding your Return" page.
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Post by: lascott on August 19, 2015, 11:00:00 PM
Update spreadsheet. Sorry, Storm, I guess could have ran those numbers myself.

Image: http://i.imgur.com/ZxRnIPa.png
<snip>
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Post by: trevor on August 19, 2015, 11:00:00 PM
Hey everyone, thanks to all who contributed! If we keep this up we can get a very nice chart going.  8)

I've never used Folio, can someone explain (in newbie terms) if it's even possible for an account that's sold notes on Folio to have a "fair" comparison to an account that hasn't?

Either way, it's nice to see all the numbers in one place. Chart looks great!
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Post by: RaymondG on August 19, 2015, 11:00:00 PM
from: trevor on August 20, 2015, 10:49:02 PM
Title:
Post by: TravelingPennies on August 20, 2015, 11:00:00 PM
from: trevor on August 20, 2015, 10:49:02 PM
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Post by: jonpildis on August 20, 2015, 11:00:00 PM
Here's mine... I do a fair amount of folio selling
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Post by: rawraw on August 20, 2015, 11:00:00 PM
You have a huge risk appetite lol
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Post by: TravelingPennies on August 20, 2015, 11:00:00 PM
from: rawraw on August 21, 2015, 05:35:58 PM
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Post by: TravelingPennies on August 20, 2015, 11:00:00 PM
Quote"> from: jonpildis on August 21, 2015, 08:54:57 PM
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Post by: megamx26 on August 20, 2015, 11:00:00 PM
from: rawraw on August 21, 2015, 08:56:37 PM
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Post by: TravelingPennies on August 20, 2015, 11:00:00 PM
from: rawraw on August 21, 2015, 08:56:37 PM
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Post by: TravelingPennies on August 21, 2015, 11:00:00 PM
Added jonpildis
and CircleT009 (my reference point for many months) via http://www.lendacademy.com/forum/index.php?topic=2235.msg21435#msg21435
and lascott ROTH -- is that lascott guy the most conservative one here :) http://www.lendacademy.com/forum/index.php?topic=3365.msg30070#msg30070
and Simon -- http://www.lendingmemo.com/returns-2015-q2/

Image: http://i.imgur.com/IjxnqNi.png
<snip>
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Post by: TravelingPennies on August 22, 2015, 11:00:00 PM
Lascott - my combined return is 16.45%... the 17=% is only my non-traded return.
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Post by: TravelingPennies on August 22, 2015, 11:00:00 PM
from: jonpildis on August 23, 2015, 09:32:58 AM
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Post by: jheizer on August 22, 2015, 11:00:00 PM
Can grab my info from here https://docs.google.com/spreadsheets/d/1vIWsPi5fb3YTo_H3aOnIppxyypQkBZW90HpBcLXLjVo/edit?usp=sharing  All in the same order as the images above.  Not sure how useful it is with such a young age though.

Also sharing it (even readonly) would be easier than you having to screenshot each time.
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Post by: TravelingPennies on August 23, 2015, 11:00:00 PM
from: jheizer on August 23, 2015, 11:58:23 PM
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Post by: Peter on August 25, 2015, 11:00:00 PM
Thanks to lascott for organizing this, it is very interesting. While I have many accounts I can share the breakdown of my largest account. This is not my best performing account but it is one of my oldest. While I could include the screenshot with all the dots my account has an average age of 34 months so my blue dot doesn't make it on the chart.

Anyway, here is my breakdown of each field in the table:
Peter, 8/25/2015, 9.27%, 17.11%, 34.0, 3,892, A – 0%, B – 2%, C – 3%, D – 53%, E – 28%, F – 11%, G – 3%, 36 - 78%, 60 - 22%, 71%, 89%, 69%
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Post by: lascott on August 26, 2015, 11:00:00 PM
from: Peter on August 26, 2015, 06:50:40 PM
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Post by: SeanMCA on August 26, 2015, 11:00:00 PM
Can I get in on this too? Is there an easy way to send you my stats? I've bought more than 2,400 notes and have an average weighted age of around 11 months.
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Post by: rawraw on August 26, 2015, 11:00:00 PM
I'm finally on my home computer.  I've increased my risk profile slightly lately
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Post by: TravelingPennies on August 26, 2015, 11:00:00 PM
from: rawraw on August 27, 2015, 04:28:58 AM
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Post by: TravelingPennies on August 26, 2015, 11:00:00 PM
from: SeanMCA on August 27, 2015, 01:00:45 AM
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Post by: TravelingPennies on August 26, 2015, 11:00:00 PM
Quote"> from: lascott on August 27, 2015, 09:16:53 AM
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Post by: TravelingPennies on August 26, 2015, 11:00:00 PM
from: rawraw on August 27, 2015, 09:24:49 AM
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Post by: TravelingPennies on August 26, 2015, 11:00:00 PM
Regarding pasting my portfolio composition, I have 2 "portfolios", one which represents picks I made manually and another designated to LendingRobot's automated picks for me. Is there a simple way to combine them to get  a composition pie chart for my entire account?

from: lascott on August 27, 2015, 09:16:53 AM
Title:
Post by: TravelingPennies on August 26, 2015, 11:00:00 PM
Quote"> from: jonpildis on August 21, 2015, 09:28:25 PM
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Post by: TravelingPennies on August 26, 2015, 11:00:00 PM
from: SeanMCA on August 27, 2015, 01:13:30 PM
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Post by: kitono on August 26, 2015, 11:00:00 PM
Here are mine. I hope this includes everything for you.
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Post by: TravelingPennies on August 26, 2015, 11:00:00 PM
from: kitono on August 27, 2015, 09:22:48 PM
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Post by: Lovinglifestyle on August 26, 2015, 11:00:00 PM
Cut and paste.  Tell me if I left something out.

Combined Return
Adjusted Net Annualized Return 10.50%

My Notes at-a-Glance 9048

Your Notes purchased on the Lending Club platform
Adjusted Net Annualized Return3 ?:   15.81%
Weighted Average Interest Rate:   18.68%
Weighted Average Age of Portfolio:   19.7 mos
Number of Notes:   9,048

Term|Grade
A(0.5%) B (8.7%) C(10.7%) D(11.6%) E(47.3%) F(15.9%) G(5.2%)

Composition ** ( $ )
Term|Grade
Payments  36(36.5%) 60(63.5%)

I'll edit when I find something else, so I don't lose this screen.

(edit) This: (sold 1424 lates on Folio, so this is skewed)
Your Percentile:
vs All Accounts: 99
vs Similar Age Accounts: 99
vs Similar Age & Similar WAIR Accounts: 99

 
Title:
Post by: TravelingPennies on August 26, 2015, 11:00:00 PM
Added Lovinglifestyles (normally screen captures required for proof <grin>)
Added kitono

Image: http://i.imgur.com/wphy0QF.png


Where to get data to get your added described here: http://www.lendacademy.com/forum/index.php?topic=3365.msg30067#msg30067
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Post by: lascott on November 22, 2015, 12:00:00 AM
Quote"> from: AnilG on November 22, 2015, 07:22:29 PM
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Post by: AnilG on November 22, 2015, 12:00:00 AM
White Paper was a PDF file. Another one in understanding intricacies of NAR behavior
https://www.lendingclub.com/public/about-nar.action

from: lascott on November 22, 2015, 08:48:02 PM
Title:
Post by: RaymondG on November 22, 2015, 12:00:00 AM
Quote"> from: lascott on November 22, 2015, 06:26:52 PM
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Post by: NSR on November 23, 2015, 12:00:00 AM
Anil,

1.)

Please see: http://blog.nsrplatform.com/2014/01/nickel-steamroller-2-0/ in response to not giving credit where credit is due.  This is just one example of the many.  I am also not familiar with the argument I had with Ken, if you have any references, please feel free to cite them.

2.)

Lending Club had a negative return in 2007. The total loss exceeded the the interest paid. You are reporting +1.18%
Even Lending Club confirms it was a down year: https://www.lendingclub.com/info/demand-and-credit-profile.action

Please be mindful before attacking others and calling their methodology a "POS"

Michael

Quote"> from: AnilG on November 22, 2015, 07:22:29 PM
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Post by: rubicon on November 25, 2015, 12:00:00 AM
updated numbers:


Weighted Average Interest Rate: 16.31%
Weighted Average Age of Portfolio: 4.6 months
Number of Notes: 7337
Issued & Current: 6632
Adjusted Net Annualized Return: 13.05%

36 Month = 91.7%
60 Month = 8.3%

A = 1.1%
B = 4.4%
C = 44.1%
D = 35.5%
E = 10.7%
F = 3.8%
G =0.4%
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Post by: TravelingPennies on November 25, 2015, 12:00:00 AM
there are many ways of calculating returns. It's up to the individual to pick one and stick with it while realizing the strength and weaknesses.

Couple of issues to be considered:
(1) Fair value on secondary market. Arguably loans that are on "down trend", have been missing payments, etc. should really be marked below par even if they are still current because that's where they would trade at.

(2) Cash vs accrual basis.
Do you only count cash interest paid OR accrue the interest over the month? For people who don't trade much, it probably doesn't matter that much over the long term. But for people who trade a lot it gets complicated because the amount you pay for the loan includes the accrued interest so you are not really "over-paying".
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Post by: TravelingPennies on November 30, 2015, 12:00:00 AM
Updated rubicon and RaymondG and scottf200's
Added thinleywangchuk

NOVEMBER UPDATES
Image: http://i.imgur.com/JoAVWe9.png
<snip>

OCTOBER UPDATES
Image: http://i.imgur.com/4O1LVOT.png
<snip>
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Post by: ThinleyWangchuk on November 30, 2015, 12:00:00 AM
Got a few LC accounts.  This one has the most notes.  Hope this helps!
-Thinley
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Post by: TravelingPennies on November 30, 2015, 12:00:00 AM
"Focused" portfolio.
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Post by: TravelingPennies on November 30, 2015, 12:00:00 AM
from: thinleywangchuk on November 30, 2015, 01:28:02 PM
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Post by: TravelingPennies on December 03, 2015, 12:00:00 AM
Update for Nov,  I'm guessing we are longer tracking P2PQuant data.

Adjusted Net Annualized Return:             6.52%
Weighted Average Interest Rate:    12.20%
Weighted Average Age of Portfolio:    32.5 mos
Number of Notes:                  747

A 13.9%
B 32.3%
C 31.3%
D 10.9%
E 8.7%
F 2.3%
G 0.5%

Payment Term 
36 43.6%
60 56.4%
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Post by: jheizer on December 03, 2015, 12:00:00 AM
from: dbailey75 on December 03, 2015, 03:27:34 PM
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Post by: TravelingPennies on December 03, 2015, 12:00:00 AM
from: dbailey75 on December 03, 2015, 03:27:34 PM
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Post by: megamx26 on December 05, 2015, 12:00:00 AM
Finally hit the 3 month mark weighted which tool a while to load in my $100k test.  Here are the results so far






Title:
Post by: TravelingPennies on December 05, 2015, 12:00:00 AM
from: megamx26 on December 05, 2015, 05:26:26 PM
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Post by: michael49 on March 09, 2016, 12:00:00 AM
Here's my update: (no Folio):

Adjusted Net Annualized Return:   9.18%
Weighted Average Interest Rate:   16.18%
Weighted Average Age of Portfolio: 7.9 mos
Number of Notes: 881
A(0.0%) B (4.1%) C(35.9%) D(35.5%) E(16.9%) F(7.2%) G(0.4%)
36(53.6%) 60(46.4%)

vs All Accounts: 80.69
vs Similar Age Accounts: 76.27
vs Similar Age and WAIR Accounts: 62.70
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Post by: lascott on March 09, 2016, 12:00:00 AM
from: michael49 on March 09, 2016, 06:51:02 PM
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Post by: balto21 on March 10, 2016, 12:00:00 AM
http://screencast.com/t/c4n1STpWbR Here is mine!

No Folio
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Post by: TravelingPennies on March 10, 2016, 12:00:00 AM
from: balto21 on March 10, 2016, 03:43:38 PM
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Post by: TravelingPennies on March 11, 2016, 12:00:00 AM
Overview: http://screencast.com/t/d01sh2p1
Understanding your returns: http://screencast.com/t/TL4hWLwq07
Note Variety: http://screencast.com/t/1JSitO3yjp

Personal Comments: Very upset that I have not gotten many notes this week. I have not changed my filters so I think that there is something going on at LC.

Reply to your question: I will update a few times a year. Quarterly would be a good assumption. If you are looking for more, than I respect your decision not to add my data.

Either way, it is a great thing that you are doing and keep it up,
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Post by: TravelingPennies on March 11, 2016, 12:00:00 AM
from: balto21 on March 11, 2016, 04:59:44 PM
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Post by: TravelingPennies on March 12, 2016, 12:00:00 AM
Understood. Must have done it too quickly and messed up the A. Love what you are doing!!!
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Post by: aliengar0 on March 13, 2016, 11:00:00 PM
my previous update was in january but it lists november for some reason


Here is my march update

Adjusted Net Annualized Return:   11.26%
Weighted Average Interest Rate:   19.49%
Weighted Average Age of Portfolio:   9.2 mos
Number of Notes:   1,268
A(0.2%) B (0.1%) C(4.6%) D(36.6%) E(37.2%) F(18.9%) G(2.5%)
36(26.2%) 60(73.8%)
vs All Accounts: 94.09
vs Similar Age Accounts: 97.02
vs Similar Age and WAIR Accounts: 87.91
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Post by: TravelingPennies on March 13, 2016, 11:00:00 PM
from: aliengar0 on March 14, 2016, 10:32:52 PM
Title:
Post by: Fred93 on March 14, 2016, 11:00:00 PM
March 15 2016 update for Fred93

ANAR 10.43%
WAIR 13.84%
Avg age 9.1 mo
Notes: 5458 total, 4081 active.  I don't know which of these you prefer.  I've been giving you the active # in the past but someone argued that total is more consistent with ANAR which does include all history.

v all 90.64%tile
v sim age 93.37%tile
v sim age & wair 92.60%tile

A 0%
B 18.5%
C 56.5%
D 18.5%  Yes, B and D come out the same to 3 decimal places; was not planned.
E 6.4%
F & G 0%

36: 23.7%
60: 76.3%

I've shut down most purchase of 60 month loans temporarily, to try to get 36m back > 30%.
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Post by: TravelingPennies on March 16, 2016, 11:00:00 PM
Understanding returns page - i see a lot more outliers today that are beating the normal returns of LendingClub. Do you think that LC is putting them there as a carrot in front of our noses?

I only marked 2, but there are more now than i have seen in a while.
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Post by: Quackhead on March 16, 2016, 11:00:00 PM
from: balto21 on March 17, 2016, 09:18:23 AM
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Post by: TravelingPennies on March 17, 2016, 11:00:00 PM
out of town. back sunday. will update then
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Post by: TravelingPennies on March 17, 2016, 11:00:00 PM
Did you overlook my update message?
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Post by: TravelingPennies on March 17, 2016, 11:00:00 PM
from: balto21 on March 17, 2016, 09:18:23 AM
Title:
Post by: Edward Reid on June 30, 2016, 11:00:00 PM
2016-07-01

Adjusted Net Annualized Return:    9.83%
Weighted Average Interest Rate:    13.22%
Weighted Average Age of Portfolio:    8.7 mos
Number of Notes:    306

Grade
A (1.3%) B (5.0%) C (91.0%)
D (2.8%) E (0.0%) F (0.0%) G (0.0%)

Term
Payments  36 (5.1%) 60 (94.9%)

Your Portfolio
vs All Accounts:
    87.71
vs Similar Age Accounts:
    89.51
vs Similar Age and WAIR Accounts:
    89.75

and for grins, here's a new version of my graph ... this is based on accounts with 250 or more notes and no note larger than 1% of portfolio.
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Post by: balto21 on June 30, 2016, 11:00:00 PM
Here is my Q2 understanding returns: http://screencast.com/t/jpunMvtyh. It has been a rough quarter. :)
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Post by: jennrod12 on July 01, 2016, 11:00:00 PM
Here are my numbers, I should have posted yesterday before I got 2 new charge-offs (raising my total to 4 so far).

Adjusted Net Annualized Return: 5.69%
Weighted Average Interest Rate: 13.48%
Weighted Average Age of Portfolio: 8.3 mos
Number of Notes: 200
Active notes: 184

A (2.2%)
B (24.8%)
C (41.9%)
D (21.8%)
E (6.6%)
F (2.8%)
G (0.0%)

Payments 
36 (99.4%)
60 (0.6%)

Your Portfolio
vs All Accounts:
    20.01
vs Similar Age Accounts:
    21.88
vs Similar Age and WAIR Accounts:
    20.15

Thanks for compiling these stats!

Jenn
Title:
Post by: lascott on July 01, 2016, 11:00:00 PM
Sorry for the delay folks. Some interesting changes as it looks like some selling and buying was going on!

June (vs May)
Image: http://i.imgur.com/M1LyiJM.png
Image: http://i.imgur.com/nAmqfit.png
<snip>
Title:
Post by: Lovinglifestyle on July 01, 2016, 11:00:00 PM
7-2-2016

(1.6%) B (10.4%) C(16.3%) D(17.1%) E(38.7%) F(12.0%) G(3.9%)

Term 36(39.4%) 60(60.6%)

Combined Return:
Adjusted Net Annualized Return 8.60%

Net Annualized Return:   14.79%
Weighted Average Interest Rate:   17.93%
Weighted Average Age of Portfolio:   31.0 mos
Number of Notes:   6,144

I don't understand this result re the Q, R, S columns:

Your Portfolio
vs All Accounts:
80.19
vs Similar Age Accounts:
0.00
vs Similar Age and WAIR Accounts:
0.00
© 2016 - Jon Heizer

Title:
Post by: Fudgenut on July 02, 2016, 11:00:00 PM
7/3/2016

Fudgenut SEP IRA:
Adjusted Net Annualized Return:   10.51%
Weighted Average Interest Rate:   19.07%
Weighted Average Age of Portfolio:   21.7 mos
Number of Notes:   4,565

A(0.0%) B (0.0%) C(7.3%) D(51.7%) E(28.4%) F(10.3%) G(2.3%)
Payments  36(22.5%) 60(77.5%)

vs All Accounts:
93.56
vs Similar Age Accounts:
98.37
vs Similar Age and WAIR Accounts:
94.19

Fudgenut ROTH IRA:
Adjusted Net Annualized Return3 ?:   10.36%
Weighted Average Interest Rate:   19.16%
Weighted Average Age of Portfolio:   22.0 mos
Number of Notes:   3,748

A(0.0%) B (0.0%) C(7.8%) D(50.7%) E(28.1%) F(11.0%) G(2.3%)
Payments  36(21.5%) 60(78.5%)

vs All Accounts:
92.78
vs Similar Age Accounts:
98.14
vs Similar Age and WAIR Accounts:
95.48

Fudgenut Taxable:

Adjusted Net Annualized Return3 ?:   9.28%
Weighted Average Interest Rate:   18.79%
Weighted Average Age of Portfolio:   18.3 mos
Number of Notes:   2,283

A(0.0%) B (0.0%) C(8.5%) D(53.8%) E(27.6%) F(8.7%) G(1.5%)
Payments  36(22.6%) 60(77.4%)

vs All Accounts:
86.73
vs Similar Age Accounts:
95.78
vs Similar Age and WAIR Accounts:
86.03
Title:
Post by: jheizer on July 04, 2016, 11:00:00 PM
Lovinglifestyle, the data from the understanding returns chart is being used and it only goes to 30 months average age.
Title:
Post by: TravelingPennies on July 04, 2016, 11:00:00 PM
from: jheizer on July 05, 2016, 10:31:12 AM
Title:
Post by: TravelingPennies on July 04, 2016, 11:00:00 PM
I will make final June (vs May) updates tonight in case others want to get their updates in.  Pretty interesting month of changes!
Title:
Post by: TravelingPennies on July 05, 2016, 11:00:00 PM
June (vs May)
Image: http://i.imgur.com/5383gSM.png
Image: http://i.imgur.com/NN9ZBVg.png

Title:
Post by: chi_ra on July 07, 2016, 11:00:00 PM
Update as of 7-8-2016

A (0%) B (30.4%) C(35.0%) D(29.5%) E(5.0%) F(0%) G(0%)

Term 36(99.3%) 60(0.7%)

Combined Return:
Adjusted Net Annualized Return 10.2%
Weighted Average Interest Rate:   13.56%
Weighted Average Age of Portfolio:   5.8 mos
Number of Notes:   150

ANAR compare-
vs All Accounts:
91.71
vs Similar Age Accounts:
79.22
vs Similar Age and WAIR Accounts:
83.51
Title:
Post by: rawraw on July 08, 2016, 11:00:00 PM
A(9.0%) B (25.7%) C(24.0%) D(15.3%) E(12.8%) F(11.1%) G(2.1%
  36(38.2%) 60(61.8%)

ANAR: 9.72
Primary ANAR: 9.20
Secondary ANAR: 11.23

Adjusted Net Annualized Return3 ?:   9.20%
Weighted Average Interest Rate:   14.68%
Weighted Average Age of Portfolio:   18.3 mos
Number of Notes:   3,345
Title:
Post by: Paulie2083 on July 08, 2016, 11:00:00 PM
here's mine, still pretty early.

Adjusted Net Annualized Return: 14.44%
Weighted Average Interest Rate: 19.12%
Weighted Average Age of Portfolio: 3.7 mos
Number of Notes:   672

Grade:
C(2.5%) D(54.8%) E(42.6%)
Term:
36(43.1%) 60(56.9%)

vs All Accounts:
99.30
vs Similar Age Accounts:
94.59
vs Similar Age and WAIR Accounts:
77.02

Title:
Post by: Fred93 on July 09, 2016, 11:00:00 PM
7/9/16 update
ANAR 9.47
WAIR 13.81
AGE 11.6
#notes 5816 total, of which 4193 active
%ile 87.02 vs all
%ile 95.70 vs sim age
%ile 96.00 vs sim age & WAIR

A 0%
B 19.3%
C 57.6%
D 17.4%
E 5.6%
F 0%
G 0%

36 mo 23.5%
60 mo 76.5%
Title:
Post by: PennySaved on July 09, 2016, 11:00:00 PM
PennySaved Taxable   7-10-16

Adjusted Net Annualized Return 8.36%

Weighted Average Interest Rate  12.94%

Weighted Average Age of Portfolio  22.5 mos

Number of Notes 4,048  (Of these, 1057 are paid off, 237 are charged off)

A    12.2%
B    28.7%
C    42.5%
D    10.2%
E    5.6%
F    1.1%
G    0.7%

42.2% 36 mos.   57.8% 60 mos.

I have stopped reinvesting and have started to sell notes on Folio.
I also have an Roth IRA account, will have to dig up stats on those numbers later.
Title:
Post by: lascott on July 16, 2016, 11:00:00 PM
Quote"> from: Paulie2083 on July 09, 2016, 09:12:17 PM
Title:
Post by: TravelingPennies on July 16, 2016, 11:00:00 PM
Quote"> from: PennySaved on July 10, 2016, 03:19:33 AM
Title:
Post by: TravelingPennies on July 16, 2016, 11:00:00 PM
Sorry for being so slow about this update!

July (vs June)
Image: http://i.imgur.com/9cBZ2i2.png
Image: http://i.imgur.com/EnfLhfG.png

Title:
Post by: rubicon on July 26, 2016, 11:00:00 PM
Jun 27

https://www.lendingclub.com/account/summary.action
ANAR: 12.21% (combined return)
Number of notes: 12333

https://www.lendingclub.com/account/lenderBenchmarkReturns.action
Weighted Average Age of Portfolio: 12.8 months

https://www.lendingclub.com/account/lenderAccountDetail.action
Weighted Average Rate:15.56%
A: 1.1%
B: 8.0%
C: 44.0%
D: 32.4%
E: 11.2%
F: 2.8%
G:  0.5%

36: 88.5%
60: 11.5%
Title:
Post by: Larry321 on July 26, 2016, 11:00:00 PM
from: rubicon on July 27, 2016, 10:12:15 AM
Title:
Post by: fliphusker on July 26, 2016, 11:00:00 PM
from: rubicon on July 27, 2016, 10:12:15 AM
Title:
Post by: TravelingPennies on July 26, 2016, 11:00:00 PM
here's my screenshot

Title:
Post by: rawraw on July 26, 2016, 11:00:00 PM
from: rubicon on July 27, 2016, 10:12:15 AM
Title:
Post by: TravelingPennies on July 26, 2016, 11:00:00 PM
yes I definitely expect returns to moderate as the portfolio ages further.
Title:
Post by: michael49 on July 30, 2016, 11:00:00 PM
A(0.0%) B (4.2%) C(34.7%) D(34.3%) E(18.3%) F(7.5%)G(1.0%)

36month: 55.7%.  60 month: 44.3%

Your Notes purchased on the Lending Club platform
Adjusted Net Annualized Return3 ?:   8.80%
Weighted Average Interest Rate:   16.47%
Weighted Average Age of Portfolio:   10.1 mos
Number of Notes:   1,132

This is my main account which I've paused investing in new loans but I'm going to start investing again, probably just 36 month loans for now.
I have a IRA acct as well which I've continued to invest in all along which is doing well.



Title:
Post by: jennrod12 on July 30, 2016, 11:00:00 PM
No new investing in this account in 2016, I'm letting it run it's course to see how it turns out.

Adjusted Net Annualized Returns:   5.60%
Weighted Average Interest Rate:   13.48%
Weighted Average Age of Portfolio:   9.3 mos
Number of Notes: 200
Active notes: 182

A(2.2%) B (24.7%) C(41.8%) D(21.9%) E(6.6%) F(2.8%) G(0.0%)
Payments  36(99.4%) 60(0.6%)

ANAR Compare:
vs All Accounts:
21.35
vs Similar Age Accounts:
27.42
vs Similar Age and WAIR Accounts:
25.93

Jenn
Title:
Post by: Edward Reid on July 31, 2016, 11:00:00 PM
2016-08-01

Adjusted Net Annualized Return:    9.72%
Weighted Average Interest Rate:    13.29%
Weighted Average Age of Portfolio:    9.1 mos
Number of Notes:    321

Grade
A (1.1%) B (4.6%) C (91.8%)
D (2.5%) E (0.0%) F (0.0%) G (0.0%)

Term
Payments  36 (4.6%) 60 (95.4%)

Your Portfolio

vs All Accounts:
    91.63
vs Similar Age Accounts:
    94.56
vs Similar Age and WAIR Accounts:
    95.97
Title:
Post by: Lovinglifestyle on July 31, 2016, 11:00:00 PM
2016-08-01

Combined ANAR:  8.62
WAIR:  17.82
Weighted Average Age of Portfolio:  31.2 mos
Number of Notes:6,287

Grade
A(1.5%) B (13.6%) C(17.5%) D(16.6%) E(36.0%) F(11.2%) G(3.6%)

Term
Payments  36(43.5%) 60(56.5%)

Your Portfolio

vs All Accounts:
83.92
vs Similar Age Accounts:
0.00
vs Similar Age and WAIR Accounts:
0.00
Title:
Post by: dr.everett on July 31, 2016, 11:00:00 PM
08/01/16

PDF with screenshots attached- sorry I've been MIA for a while- been busy and also been changing strategy. Will try to update a bit more often.
Title:
Post by: Fudgenut on August 01, 2016, 11:00:00 PM
8/2/2016

Fudgenut SEP IRA:
Adjusted Net Annualized Return:   10.46%
Weighted Average Interest Rate:   19.09%
Weighted Average Age of Portfolio:   22.5 mos
Number of Notes:   4,585

A(0.0%) B (0.0%) C(9.8%) D(50.5%) E(27.6%) F(10.1%) G(2.2%)
Payments  36(22.7%) 60(77.3%)

vs All Accounts:
94.20
vs Similar Age Accounts:
98.14
vs Similar Age and WAIR Accounts:
93.96

Fudgenut ROTH IRA:
Adjusted Net Annualized Return3 ?:   10.23%
Weighted Average Interest Rate:   19.19%
Weighted Average Age of Portfolio:   22.7 mos
Number of Notes:   3,796

A(0.0%) B (0.0%) C(10.0%) D(49.4%) E(27.3%) F(11.0%) G(2.3%)
Payments  36(21.5%) 60(78.5%)

vs All Accounts:
93.42
vs Similar Age Accounts:
97.84
vs Similar Age and WAIR Accounts:
94.25

Fudgenut Taxable:

Adjusted Net Annualized Return3 ?:   9.05%
Weighted Average Interest Rate:   18.83%
Weighted Average Age of Portfolio:   18.9 mos
Number of Notes:   2,326

A(0.0%) B (0.0%) C(9.2%) D(53.4%) E(27.2%) F(8.7%) G(1.4%)
Payments  36(22.6%) 60(77.4%)

vs All Accounts:
86.76
vs Similar Age Accounts:
95.21
vs Similar Age and WAIR Accounts:
84.07
Title:
Post by: lascott on August 02, 2016, 11:00:00 PM
Sorry, just got back from a roadtrip. Will update the spreadsheet tonight or tomorrow morning.
Title:
Post by: TravelingPennies on August 03, 2016, 11:00:00 PM
Some folio buying and selling going on as percentages and counts changed a fair amount for some. Interesting.

Final --
July (vs June)
Image: http://i.imgur.com/fI10c2V.png
Image: http://i.imgur.com/ZNeqw0u.png

Title:
Post by: jheizer on August 03, 2016, 11:00:00 PM
My update https://docs.google.com/spreadsheets/d/1vIWsPi5fb3YTo_H3aOnIppxyypQkBZW90HpBcLXLjVo/edit?usp=sharing

A whole lot has changed for my account.  January I stopped added more money so my notes are aging a lot and defaults are rolling in.  10% of my current loans are now sourced from folio at discounts.
Title:
Post by: Paulie2083 on August 16, 2016, 11:00:00 PM
Quote"> from: lascott on July 17, 2016, 03:05:40 PM
Title:
Post by: Fudgenut on August 31, 2016, 11:00:00 PM
Is there another tool to use now?  It appears that http://lc.geekminute.com/Home/ANARCompare is down...
Title:
Post by: TravelingPennies on August 31, 2016, 11:00:00 PM
from: Fudgenut on September 01, 2016, 10:44:26 AM
Title:
Post by: TravelingPennies on August 31, 2016, 11:00:00 PM
from: Fudgenut on September 01, 2016, 10:44:26 AM
Title:
Post by: Fred93 on August 31, 2016, 11:00:00 PM
from: jheizer on September 01, 2016, 10:52:38 AM
Title:
Post by: ThinleyWangchuk on August 31, 2016, 11:00:00 PM
Will update my info soon...  Currently my ANAR is ~2% less for all accounts.
Title:
Post by: TravelingPennies on August 31, 2016, 11:00:00 PM
September 1, 2016

Added folio combined metrics for the first time...not sure if I did that right, as I used all the same numbers except the ANAR for the combined return from the main dashboard home screen.

Fudgenut SEP IRA:
Adjusted Net Annualized Return:   10.24%
Weighted Average Interest Rate:   19.10%
Weighted Average Age of Portfolio:   23.3 mos
Number of Notes:   4,625

A(0.0%) B (0.0%) C(12.2%) D(49.1%) E(26.8%) F(9.7%) G(2.1%)
Payments  36(22.8%) 60(77.2%)

vs All Accounts:
94.07
vs Similar Age Accounts:
98.26
vs Similar Age and WAIR Accounts:
96.24

FOLIO COMBINED
Adjusted Net Annualized Return (COMBINED):   10.37%
vs All Accounts:
94.38
vs Similar Age Accounts:
98.40
vs Similar Age and WAIR Accounts:
96.24

Fudgenut ROTH IRA:
Adjusted Net Annualized Return3 ?:   10.03%
Weighted Average Interest Rate:   19.20%
Weighted Average Age of Portfolio:   23.6 mos
Number of Notes:   3,809

A(0.0%) B (0.0%) C(12.4%) D(48.2%) E(26.6%) F(10.6%) G(2.2%)
Payments  36(21.7%) 60(78.3%)

vs All Accounts:
93.38
vs Similar Age Accounts:
97.91
vs Similar Age and WAIR Accounts:
95.56

FOLIO COMBINED
Adjusted Net Annualized Return (COMBINED):   10.00%
vs All Accounts:
92.93
vs Similar Age Accounts:
97.81
vs Similar Age and WAIR Accounts:
95.56


Fudgenut Taxable:

Adjusted Net Annualized Return3 ?:   8.96%
Weighted Average Interest Rate:   18.86%
Weighted Average Age of Portfolio:   19.5 mos
Number of Notes:   2,372

A(0.0%) B (0.0%) C(9.9%) D(53.2%) E(26.9%) F(8.7%) G(1.3%)
Payments  36(23.2%) 60(76.8%)

vs All Accounts:
87.43
vs Similar Age Accounts:
95.55
vs Similar Age and WAIR Accounts:
88.46

FOLIO COMBINED
Adjusted Net Annualized Return (COMBINED):   9.20%
vs All Accounts:
88.84
vs Similar Age Accounts:
96.48
vs Similar Age and WAIR Accounts:
89.74
Title:
Post by: jennrod12 on September 03, 2016, 11:00:00 PM
9/4/2016 - Jennrod12 buy & hold account (still holding)

Adjusted Net Annualized Return3 ?:   5.78%
Weighted Average Interest Rate:   13.48%
Weighted Average Age of Portfolio:   10.5 mos
Number of Notes:   200
Active Notes:  175

A(2.2%) B (24.7%) C(41.0%) D(22.4%) E(6.8%) F(2.8%) G(0.0%)
Payments  36(99.3%) 60(0.7%)

vs All Accounts:
30.17
vs Similar Age Accounts:
41.64
vs Similar Age and WAIR Accounts:
38.79


thanks, and have a great long weekend!

Jenn
Title:
Post by: twigster on September 03, 2016, 11:00:00 PM
It looks like my 6/8/2016 updates are no longer in the current chart.  I see them in the chart posted on July 6th 2016:
Twigster IRA 9.30% (not 10.25%)
Twigster 10.11% (not 10.13%)
Title:
Post by: TravelingPennies on September 04, 2016, 11:00:00 PM
from: twigster on September 04, 2016, 09:40:06 PM
Title:
Post by: TravelingPennies on September 06, 2016, 11:00:00 PM
from: twigster on September 04, 2016, 09:40:06 PM
Title:
Post by: TravelingPennies on September 06, 2016, 11:00:00 PM
August (vs July)
Image: http://i.imgur.com/wmTdx7E.png
Image: http://i.imgur.com/GPlpZmx.png
<snip>
Title:
Post by: Edward Reid on September 07, 2016, 11:00:00 PM
I only got power last night after Hurricane Hermine, and I'm still catching up. I guess I'm too late for this month's report, but I'll post the numbers anyway.

2016-09-08

Adjusted Net Annualized Return:    10.10%
Weighted Average Interest Rate:    13.33%
Weighted Average Age of Portfolio:    9.9 mos
Number of Notes:    330

Grade
A (1.1%) B (4.4%) C (92.0%)
D (2.5%) E (0.0%) F (0.0%) G (0.0%)

Term
Payments  36 (4.4%) 60 (95.6%)

vs All Accounts:
    93.68
vs Similar Age Accounts:
    97.20
vs Similar Age and WAIR Accounts:
    97.58
Title:
Post by: lascott on September 08, 2016, 11:00:00 PM
from: Edward Reid on September 08, 2016, 02:34:40 PM
Title:
Post by: Paulie2083 on September 20, 2016, 11:00:00 PM
Quote"> from: Paulie2083 on August 17, 2016, 06:19:02 PM
Title:
Post by: senatorkevin on September 22, 2016, 11:00:00 PM
Just discovered this message board and thread. Was curious at what other returns people were getting as I felt what LC was telling me was not exactly accurate and after doing a quick google search, this site came up. (August was my first profitable month in awhile after numerous break even months and September seems to be trending up)



vs All Accounts:
    99.76
vs Similar Age Accounts:
    99.97
vs Similar Age and WAIR Accounts:
    100.00
Title:
Post by: ThinleyWangchuk on September 22, 2016, 11:00:00 PM
from: senatorkevin on September 23, 2016, 12:27:46 AM
Title:
Post by: TravelingPennies on September 22, 2016, 11:00:00 PM
from: ThinleyWangchuk on September 23, 2016, 01:20:19 AM
Title:
Post by: Lovinglifestyle on September 22, 2016, 11:00:00 PM
Are you also selling some?
Title:
Post by: TravelingPennies on September 22, 2016, 11:00:00 PM
from: Lovinglifestyle on September 23, 2016, 03:03:50 PM
Title:
Post by: TravelingPennies on September 23, 2016, 11:00:00 PM
from: senatorkevin on September 23, 2016, 02:56:02 PM
Title:
Post by: Shylock on September 23, 2016, 11:00:00 PM
Jeez, I am just getting rocked badly. I'm on autopilot using NSR and Lending Robot, focusing on D/E grades. F and G have much poorer returns.

Are there any passive strategies that can boost returns, in concert with the algorithmic pickers, or to replace them?

Your Notes purchased on the Lending Club platform
Adjusted Net Annualized Return3 ?:   4.09%
Weighted Average Interest Rate:   22.51%
Weighted Average Age of Portfolio:   7.8 mos
Number of Notes:   1,665
Title:
Post by: ameydhar on September 26, 2016, 11:00:00 PM
I have been following this thread for some time now, but this is my first time reporting back. I intend to be active in the coming months. I used the secondary market to trade a few notes.

Adjusted Net Annualized Return : 10.17%
Weighted Average Interest Rate : 16.88%
Weighted Average Age of Portfolio : 5.9 months
Number of Notes : 413

Grade
A (3.2%) B (11.3%) C (27.0%)
D (30.8%) E (18.1%) F (8.7%) G (0.8%)

Term
Payments  36 (35.1%) 60 (64.9%)

vs All Accounts:
95.06
vs Similar Age Accounts:
85.47
vs Similar Age and WAIR Accounts:
78.03
Title:
Post by: TravelingPennies on September 26, 2016, 11:00:00 PM
from: ThinleyWangchuk on September 24, 2016, 12:51:23 AM
Title:
Post by: TravelingPennies on September 26, 2016, 11:00:00 PM
from: senatorkevin on September 27, 2016, 01:53:24 AM
Title:
Post by: jennrod12 on September 26, 2016, 11:00:00 PM
Also interested!  :)
Title:
Post by: storm on September 30, 2016, 11:00:00 PM
3rd quarter update.  LC has really been charging off the loans.   :(

Combined ANAR:  10.00%
Weighted Average Interest Rate:   15.31%
Weighted Average Age of Portfolio:   30.1 mos
Number of Notes:   5,712

A(0.0%) B (2.4%) C(46.1%) D(25.4%) E(20.7%) F(4.1%) G(1.4%)
36(21.4%) 60(78.6%)

vs All Accounts:  94.09
vs Similar Age Accounts:  98.92
vs Similar Age and WAIR Accounts:  98.15

IRR:  10.18%
Title:
Post by: jennrod12 on October 02, 2016, 11:00:00 PM
Quote"> from: Fred93 on October 03, 2016, 01:11:10 AM
Title:
Post by: Fred93 on October 02, 2016, 11:00:00 PM
from: jennrod12 on October 03, 2016, 03:09:07 PM
Title:
Post by: jheizer on October 02, 2016, 11:00:00 PM
Last I checked there was like 51k dots.  Just to give an idea just how many are missing.
Title:
Post by: senatorkevin on October 02, 2016, 11:00:00 PM
Quote"> from: storm on October 03, 2016, 03:35:44 AM
Title:
Post by: Rob L on October 02, 2016, 11:00:00 PM
It clearly says below the chart: " Other accounts in the chart have not transacted in the Note Trading Platform".

He (she) has transacted, so why do you think you should see his (her) dot on your graph?
Title:
Post by: lascott on October 02, 2016, 11:00:00 PM
Quote"> from: senatorkevin on October 03, 2016, 12:34:05 AM
Title:
Post by: Lovinglifestyle on October 02, 2016, 11:00:00 PM
Quote"> from: Rob L on October 03, 2016, 01:18:42 PM
Title:
Post by: TravelingPennies on October 03, 2016, 11:00:00 PM
from: Lovinglifestyle on October 03, 2016, 09:31:27 PM
Title:
Post by: TravelingPennies on October 03, 2016, 11:00:00 PM
** headed out of town for a few days -- hope I got the updates right -- need to finish packing or dear wife will not be happy with me :) **

If you buy/sell notes then you need to provide the Combined ANAR otherwise your data is 'bogus' and is not really comparable. Note that it is combined.

I can drop some older non-updaters off but new folks needs to provide screen shots and Combined ANAR if they buy/sell. Not adding people that want to see themselves way higher than average/realistic. Only want to add mature accounts tho and folks that will contribute *at*least* quarterly.  Accounts should probably be 8ish months for weighted average age ... otherwise data is higher than average/realistic. Idea is to have some more realistic (given comparable data we all have from the site asis).  Hope that makes some sense. We need to keep it real. Sorry for my bluntness.

Sept (vs August)
Image: http://i.imgur.com/rm3p9VO.png
Image: http://i.imgur.com/0Fidjei.png
<snip>
Title:
Post by: BruiserB on October 03, 2016, 11:00:00 PM
My Updates:

In May I stopped all reinvestment on my Standard Account for about 2 months and withdrew cash to invest elsewhere.  I resumed investing in July but changed to a much more conservative mix as I can't make use of all of the capital losses I've been racking up with defaults.  In fact, in September, my defaults were equal to 81% of the interest I earned on the account.  I'm hoping to start seeing a decrease in defaults soon, although there seems to be a healthy queue of late notes marching toward default at the moment.  :-( 

Going forward my Standard Account is reinvesting using the BluePicks Moderate tool from BlueVestment.  My IRA is using NSRPlatform's NSR Aggressive tool.  We'll see how that goes for a while.

I'm still around, but not as excited about LC as I used to be.  Have less time to fully track it as well these days, so have moved to fully automated investing in a "set it and forget it" fashion.

Measure         Standard Account                 IRA Account
ANAR             8.31                                      7.48
WAIR             17.75                                    19.20
WAAoP          25.2                                      17.5
#Notes           13,125                                  1,822
WAIR-ANAR   9.44                                      11.72
A                    3.5                                        0.0
B                    13.6                                        0.2
C                    15.6                                        20.1
D                    20.8                                      30.0
E                    25.9                                       28.5
F                     17.2                                       18.6
G                    3.4                                         2.7
36                  38.2                                        33.8
60                  61.8                                       66.2
Q                    85.78                                     75.36
R                    92.39                                     88.32
S                    86.28                                     80.71
                      No Folio                                  No Folio

2016 XIRR      5.85                                      4.12
Title:
Post by: dr.everett on October 03, 2016, 11:00:00 PM
Updates for my accounts attached
Title:
Post by: rawraw on October 04, 2016, 11:00:00 PM
ANAR: 8.42
Primary ANAR: 7.56
Secondary ANAR: 10.41

From Portfolio detail page:
Weighted Average Rate   14.17%

From Scatter Plot:
Adjusted Net Annualized Return3 ?:   7.56%
Weighted Average Interest Rate:   14.43%
Weighted Average Age of Portfolio:   20.8 mos

A(9.1%) B (26.5%) C(25.5%) D(14.7%) E(12.5%) F(9.6%) G(2.1%)

60 Month (60.1%)

My Notes at-a-Glance 3896
Not Yet Issued ?9
Issued & Current ?2,221
In Grace Period ?26
Fully Paid ?1,336
Late 16 - 30 Days ?15
Late 31 - 120 Days ?88
Default ?4
Charged Off ?197
Number of Notes:   3,242
Title:
Post by: TravelingPennies on October 11, 2016, 11:00:00 PM
Updated the 3 folks above (5 accounts)

Sept (vs August)
Image: http://i.imgur.com/pq3ljLm.png
Image: http://i.imgur.com/ovzWBuX.png

Title:
Post by: Paulie2083 on October 17, 2016, 11:00:00 PM
Quote"> from: Paulie2083 on September 21, 2016, 03:07:31 PM
Title:
Post by: Edward Reid on October 30, 2016, 11:00:00 PM
2016-11-01

Adjusted Net Annualized Return:    9.94%
Weighted Average Interest Rate:    13.39%
Weighted Average Age of Portfolio:    11.2 mos
Number of Notes:    340

Grade
A (0.9%) B (4.2%) C (92.5%)
D (2.4%) E (0.0%) F (0.0%) G (0.0%)

Term
Payments  36 (4.0%) 60 (96.0%)

vs All Accounts:
    95.53
vs Similar Age Accounts:
    98.75
vs Similar Age and WAIR Accounts:
    99.35
Title:
Post by: lascott on October 31, 2016, 11:00:00 PM
Quote"> from: Paulie2083 on October 18, 2016, 05:38:29 PM
Title:
Post by: Lovinglifestyle on October 31, 2016, 11:00:00 PM
Updates:  (Thank you!)

Combined ANAR:  8.41
Adjusted Net Annualized Return3 ?:   14.53%
Weighted Average Interest Rate:   17.91%
Weighted Average Age of Portfolio:   36.0 mos
Number of Notes:   5,692

Composition ** ( $ )
Term|Grade
A(0.4%) B (13.0%) C(16.8%) D(17.2%) E(37.1%) F(11.8%) G(3.7%)

Composition ** ( $ )
Term|Grade
Payments  36(39.5%) 60(60.5%)

Your Portfolio

vs All Accounts:
89.05
vs Similar Age Accounts:
0.00
vs Similar Age and WAIR Accounts:
0.00
© 2016 - Jon Heizer

Note:  Active notes are now down to 1682 due to sales.
Title:
Post by: rubicon on October 31, 2016, 11:00:00 PM
Nov 1

https://www.lendingclub.com/account/summary.action
ANAR: 10.98% (combined return)
Number of notes: 19848

https://www.lendingclub.com/account/lenderBenchmarkReturns.action
Weighted Average Age of Portfolio: 16.0 months

https://www.lendingclub.com/account/lenderAccountDetail.action
Weighted Average Rate:15.67%
A: 0.7%
B: 6.8%
C: 42.7%
D: 33.4%
E: 12.7%
F: 3.2%
G:  0.5%

36: 88.4%
60: 11.6%
Title:
Post by: TravelingPennies on November 01, 2016, 11:00:00 PM
I'm leaving on another trip soon. Will do updates tomorrow (Thu) afternoon/evening.
Title:
Post by: Fudgenut on November 01, 2016, 11:00:00 PM
November 2, 2016

Fudgenut SEP IRA:
Adjusted Net Annualized Return:   9.91%
Weighted Average Interest Rate:   19.12%
Weighted Average Age of Portfolio:   24.5 mos
Number of Notes:   4,817

A(0.0%) B (0.0%) C(13.4%) D(49.1%) E(25.9%) F(9.5%) G(2.1%)
Payments  36(24.2%) 60(75.8%)

COMBINED
vs All Accounts:
96.01
vs Similar Age Accounts:
98.64
vs Similar Age and WAIR Accounts:
96.59


Fudgenut ROTH IRA:
Adjusted Net Annualized Return3 ?:   9.34%
Weighted Average Interest Rate:   19.20%
Weighted Average Age of Portfolio:   25.2 mos
Number of Notes:   3,894

A(0.0%) B (0.0%) C(15.3%) D(47.4%) E(25.2%) F(10.0%) G(2.1%)
Payments  36(22.5%) 60(77.5%)

FOLIO COMBINED
vs All Accounts:
94.17
vs Similar Age Accounts:
97.64
vs Similar Age and WAIR Accounts:
96.05


Fudgenut Taxable:

Adjusted Net Annualized Return3 ?:   9.00%
Weighted Average Interest Rate:   18.86%
Weighted Average Age of Portfolio:   21.3 mos
Number of Notes:   2,404

A(0.0%) B (0.0%) C(10.0%) D(53.6%) E(26.5%) F(8.6%) G(1.3%)
Payments  36(23.1%) 60(76.9%)

FOLIO COMBINED
vs All Accounts:
92.46
vs Similar Age Accounts:
97.41
vs Similar Age and WAIR Accounts:
95.87
Title:
Post by: TravelingPennies on November 03, 2016, 11:00:00 PM
Oct (vs Sept)
Image: http://i.imgur.com/tWWGNvA.png
Image: http://i.imgur.com/pEx5fY6.png
<snip>
Title:
Post by: jennrod12 on November 04, 2016, 11:00:00 PM
I apologize for the late report - it was a tough week.

Jennrod12 "Buy & Hold" taxable account, 11/5:

Adjusted Net Annualized Return3 ?:   5.01%
Weighted Average Interest Rate:   13.48%
Weighted Average Age of Portfolio:   12.5 mos
Number of Notes:   200
Active Notes:168

A(2.3%) B (25.3%) C(41.0%) D(21.4%) E(7.1%) F(2.9%) G(0.0%)
Payments  36(99.3%) 60(0.7%)

vs All Accounts:
26.35
vs Similar Age Accounts:
41.48
vs Similar Age and WAIR Accounts:
41.02

Thanks,  Jenn
Title:
Post by: Paulie2083 on November 16, 2016, 12:00:00 AM
Quote"> from: Paulie2083 on October 18, 2016, 05:38:29 PM
Title:
Post by: TravelingPennies on November 30, 2016, 12:00:00 AM
Added: Paulie2083, Updated: jennrod12, Removed/Hide: Simon (lendingmemo who seem to disappear from the P2P scene)

Gets your Nov updates in for the comparison to Oct. Will do that update in a few days after they get posted.

Oct (vs Sept)
Image: http://i.imgur.com/H9RJBpT.png
Image: http://i.imgur.com/5rlJyFj.png

Title:
Post by: TravelingPennies on December 01, 2016, 12:00:00 AM
Dec 1

https://www.lendingclub.com/account/summary.action
ANAR: 10.62% (combined return)
Number of notes: 23027

https://www.lendingclub.com/account/lenderBenchmarkReturns.action
Weighted Average Age of Portfolio: 17.0 months

https://www.lendingclub.com/account/lenderAccountDetail.action
Weighted Average Rate:15.83%
A: 0.5%
B: 6.5%
C: 40.4%
D: 34.1%
E: 14.0%
F: 4.0%
G:  0.6%

36: 87.5%
60: 12.5%
Title:
Post by: storm on December 01, 2016, 12:00:00 AM
Combined ANAR: 9.80%
WAIR:  15.30%
Weighted Average Age of Portfolio:   31.0 mos
Number of Notes:   5,746

A(0.0%) B (2.6%) C(47.3%) D(24.9%) E(19.8%) F(4.1%) G(1.3%)
36(23.7%) 60(76.3%)

vs All Accounts:  95.44
vs Similar Age Accounts:  0.00
vs Similar Age and WAIR Accounts:  0.00

XIRR:  10.05%
Title:
Post by: Edward Reid on December 01, 2016, 12:00:00 AM
2016-12-01

Adjusted Net Annualized Return:    9.22%
Weighted Average Interest Rate:    13.54%
Weighted Average Age of Portfolio:    11.2 mos
Number of Notes:    368

Grade
A (0.8%) B (3.7%) C (92.9%)
D (2.6%) E (0.0%) F (0.0%) G (0.0%)

Term
Payments  36 (14.2%) 60 (85.8%)

vs All Accounts:
    93.90
vs Similar Age Accounts:
    97.53
vs Similar Age and WAIR Accounts:
    98.07
Title:
Post by: rawraw on December 01, 2016, 12:00:00 AM
A(10.1%) B (26.3%) C(24.7%) D(14.4%) E(13.2%) F(9.3%) G(2.0%)
Payments  36(36.6%) 60(63.4%)
Weighted Average Rate   14.08%
Weighted Average Age of Portfolio:   22.8 mos
Number of Notes:   2,873
Adjusted Net Annualized Return 8.23%
Title:
Post by: TravelingPennies on December 02, 2016, 12:00:00 AM

Adjusted Net Annualized Return3 ?:   14.38%
Weighted Average Interest Rate:   17.93%
Weighted Average Age of Portfolio:   37.4 mos
Number of Notes:   5,563

Combined Return
Adjusted Net Annualized Return 8.37%

A(0.4%) B (12.9%) C(16.8%) D(16.4%) E(38.5%) F(10.9%) G(4.1%)
Payments  36(39.8%) 60(60.2%)

Status   
Not Yet Issued (24)   
Issued & Current (1,479)
In Grace Period† (7)   
Late 16 - 30 days† (0)   
Late 31 - 120 days† (0)   
Fully Paid* (3,756)   
Default (0)
Charged Off* (297)


ANAR (combined) Compare:
vs All Accounts:
89.24
vs Similar Age Accounts:
0.00
vs Similar Age and WAIR Accounts:
0.00








Title:
Post by: 3rd quarter on December 02, 2016, 12:00:00 AM
Hi,
I don't talk your language but if anyone can tell me how my notes are doing.. most appreciated.

I am a grandmother and don't quite understand any of this.
thank you
Title:
Post by: rawraw on December 03, 2016, 12:00:00 AM
Quote"> from: 3rd quarter on December 02, 2016, 11:54:14 PM
Title:
Post by: Fudgenut on December 03, 2016, 12:00:00 AM
December 3, 2016

Fudgenut SEP IRA:
Adjusted Net Annualized Return:   9.69%
Weighted Average Interest Rate:   19.04%
Weighted Average Age of Portfolio:   24.9 mos
Number of Notes:   4,977

A(0.0%) B (0.0%) C(15.7%) D(48.2%) E(25.2%) F(8.8%) G(2.1%)
Payments  36(27.9%) 60(72.1%)

COMBINED
vs All Accounts:
95.55
vs Similar Age Accounts:
98.52
vs Similar Age and WAIR Accounts:
97.16


Fudgenut ROTH IRA:
Adjusted Net Annualized Return3 ?:   9.11%
Weighted Average Interest Rate:   19.13%
Weighted Average Age of Portfolio:   25.6 mos
Number of Notes:   4,002

A(0.0%) B (0.0%) C(17.1%) D(46.8%) E(24.6%) F(9.4%) G(2.0%)
Payments  36(25.8%) 60(74.2%)

FOLIO COMBINED
vs All Accounts:
94.06
vs Similar Age Accounts:
97.89
vs Similar Age and WAIR Accounts:
97.81


Fudgenut Taxable:

Adjusted Net Annualized Return3 ?:   8.58%
Weighted Average Interest Rate:   18.86%
Weighted Average Age of Portfolio:   22.4 mos
Number of Notes:   2,404

A(0.0%) B (0.0%) C(10.0%) D(53.6%) E(26.7%) F(8.4%) G(1.3%)
Payments  36(22.8%) 60(77.2%)

FOLIO COMBINED
vs All Accounts:
91.27
vs Similar Age Accounts:
95.78
vs Similar Age and WAIR Accounts:
92.15
Title:
Post by: jennrod12 on December 04, 2016, 12:00:00 AM
Jennrod12 "buy & hold" account:

Adjusted Net Annualized Return:   4.74%
Weighted Average Interest Rate:   13.48%
Weighted Average Age of Portfolio:   13.5 mos
Number of Notes:   200
Active notes: 165

A(2.3%) B (24.9%) C(40.8%) D(21.8%) E(7.2%) F(3.0%) G(0.0%)
Payments  36(99.3%) 60(0.7%)

vs All Accounts: 26.58
vs Similar Age Accounts: 42.95
vs Similar Age and WAIR Accounts: 43.81

Thanks!
Jenn
Title:
Post by: ameydhar on December 05, 2016, 12:00:00 AM
This is my first time reporting after crossing the 6-month average age of my portfolio. I intend to report my returns every month from now on.

Taxable Account:

Adjusted Net Annualized Return:   9.18%
Weighted Average Interest Rate:   17.06%
Weighted Average Age of Portfolio:   7.8 mos
Number of Notes:   448

Grade: A(2.9%) B (10.2%) C(26.1%) D(33.5%) E(18.7%) F(7.9%) G(0.8%)
Term: 36(38%) 60(62%)

vs All Accounts: 94.15
vs Similar Age Accounts: 90.77
vs Similar Age and WAIR Accounts: 87.25
Title:
Post by: lascott on December 06, 2016, 12:00:00 AM
Nov (vs Oct)
Image: http://i.imgur.com/JAQ98Jb.png
Image: http://i.imgur.com/by95kVM.png

Title:
Post by: TravelingPennies on December 06, 2016, 12:00:00 AM
from: ameydhar on December 05, 2016, 02:00:30 AM
Title:
Post by: ThinleyWangchuk on December 07, 2016, 12:00:00 AM
Quote"> from: 3rd quarter on December 02, 2016, 11:54:14 PM
Title:
Post by: michael49 on December 09, 2016, 12:00:00 AM
Been a while, sorry.  I have been trying to keep things simple by investing with Bluepicks aggressive filter, but my ANAR has fallen - not sure if its due to this or the LC fallout over the past 6 months though....

Anyone else here investing with Bluepicks (through Bluevestment) ? 

Your Notes purchased on the Lending Club platform
Adjusted Net Annualized Return:   7.67%
Weighted Average Interest Rate:   16.99%
Weighted Average Age of Portfolio:   12.9 mos
Number of Notes: 1300

A(0.0%) B (3.1%) C(27.3%) D(41.7%) E(19.4%) F(7.5%) G(1.1%)
Payments  36(55.5%) 60(44.5%)

vs All Accounts: 83.68
vs Similar Age Accounts: 93.16
vs Similar Age and WAIR Accounts: 92.51
Title:
Post by: dr.everett on December 16, 2016, 12:00:00 AM
Updated stats for my accounts- let me know if I missed anything?
Title:
Post by: rubicon on December 30, 2016, 12:00:00 AM
Dec 30

https://www.lendingclub.com/account/summary.action
ANAR: 10.45% (combined return)
Number of notes: 24636

https://www.lendingclub.com/account/lenderBenchmarkReturns.action
Weighted Average Age of Portfolio: 18.0 months

https://www.lendingclub.com/account/lenderAccountDetail.action
Weighted Average Rate:16.01%
A: 0.4%
B: 4.2%
C: 39.4%
D: 35.8%
E: 15.2%
F: 4.3%
G:  0.6%

36: 86.9%
60: 13.1%
Title:
Post by: storm on December 30, 2016, 12:00:00 AM
Combined ANAR:  9.75
Weighted Average Interest Rate:   15.21%
Weighted Average Age of Portfolio:   30.8 mos
Number of Notes:   6,171

A(0.0%) B (6.5%) C(46.2%) D(24.0%) E(18.2%) F(3.9%) G(1.2%)
36(30.4%) 60(69.6%)

vs All Accounts:  95.92
vs Similar Age Accounts:  96.94
vs Similar Age and WAIR Accounts: 88.57

XIRR:  10.07%
Title:
Post by: twigster on December 30, 2016, 12:00:00 AM
twigster ROTH:
Your Notes purchased on the Lending Club platform
Adjusted Net Annualized Return:   8.17%
Weighted Average Interest Rate:   14.11%
Weighted Average Age of Portfolio:   18.5 mos
Number of Notes: 2,799

A(4.3%) B (4.6%) C(55.3%) D(26.2%) E(9.3%) F(0.3%) G(0.1%)
Payments  36(29.9%) 60(70.1%)

vs All Accounts: 89.37
vs Similar Age Accounts: 96.92
vs Similar Age and WAIR Accounts: 95.67
_______________________________________

twigster:
Your Notes purchased on the Lending Club platform
Adjusted Net Annualized Return:   8.95%
Weighted Average Interest Rate:   14.13%
Weighted Average Age of Portfolio:   25.3 mos
Number of Notes: 1,066

A(3.1%) B (10.2%) C(48.0%) D(38.6%) E(0.1%) F(0.0%) G(0.0%)
Payments  36(39.2%) 60(60.8%)

vs All Accounts: 93.55
vs Similar Age Accounts: 97.22
vs Similar Age and WAIR Accounts: 97.44

_____________________________________
notes;  I have become somewhat disenchanted with the loan returns in the last 6 months as it seems that charge offs are too high in a non recession period.  Beginning in early December 2016 I decided to only purchase A notes (A2 through A5 as A1 interest rate is much lower, A2 = 6.99%, A5 = 7.99%) as an experiment.  Will see if paid in fulls go down (it should because no incentive to churn the loans) and stability of returns go up (at a much lower level).  Should be able to tell something in about 12 months.  Note on ROTH account: by re-investing all payments in A notes went from 0% to 4.3% in just under a month. 
Title:
Post by: TravelingPennies on December 30, 2016, 12:00:00 AM
Thanks all. I should get this updated in a few days. Hoping to get more updates so I don't have to do it more than a couple times.

from: twigster on December 30, 2016, 10:47:00 PM
Title:
Post by: jpildis on December 31, 2016, 12:00:00 AM
Every time I see this, I say, "I should really send in my results."  As we close out a truly sh*tty year for returns, here's my latest:

Your Notes purchased on the Lending Club platform
Adjusted Net Annualized Return3 ?:   10.60%
Weighted Average Interest Rate:   20.98%
Weighted Average Age of Portfolio:   20.5 mos
Number of Notes:   1,490

My combined ANAR w/ trading is reported at 10.71%

XIRR = 10.3%

60 month:95% - 36 month: 5%

A - 0
B - 0
C - 0.1%
D - 24.7%
E - 46.9%
F - 24.3%
G - 4.0%

Purchased vs Originated: 52% / 48%
One more tidbit... my trailing 12 month return is 3%
Title:
Post by: Lovinglifestyle on December 31, 2016, 12:00:00 AM
Combined Return
Adjusted Net Annualized Return 8.39%

Your Notes purchased on the Lending Club platform
Adjusted Net Annualized Return3 ?:   14.34%
Weighted Average Interest Rate:           18.27%
Weighted Average Age of Portfolio:   37.4 mos
Number of Notes:   5,668

A (0.4%) B (11.0%) C(14.3%) D(14.2%) E(36.8%) F(17.3%) G(6.0%)                                 

36(37.5%) 60(62.5%

vs All Accounts:
90.14
vs Similar Age Accounts:
0.00
vs Similar Age and WAIR Accounts:
0.00


Title:
Post by: SLCPaladin on December 31, 2016, 12:00:00 AM
I've watched this thread and figured it's time to move from spectator to contributor. I intend to report my returns every month from now on.

Taxable Account:

Adjusted Net Annualized Return:   7.61%
Weighted Average Interest Rate:   14.41%
Weighted Average Age of Portfolio:   22.5 mos
Number of Notes:   6054

Grade: A(11.2%) B (26.7%) C(24.0%) D(18.4%) E(16.5%) F(2.6%) G(0.5%)
Term: 36(37.7%) 60(62.3%)

I don't buy or sell on Folio.

vs All Accounts: 84.75
vs Similar Age Accounts: 91.28
vs Similar Age and WAIR Accounts: 91.45
Title:
Post by: Rob L on December 31, 2016, 12:00:00 AM
30 Dec 2016

Combined Returns
Adjusted Net Annualized Return:            7.83%

Weighted Average Interest Rate:           17.49%
Weighted Average Age of Portfolio:        27.4 mos
Number of Notes:                                 9306

A (0.3%) B (0.6%) C(1.8%) D(64.7%) E(31.9%) F(0.7%) G(0.0%)                                 

Term 36(100%) 60(0%)

vs All Accounts: 86.56
vs Similar Age Accounts: 90.62
vs Similar Age and WAIR Accounts: 84.65

Happy New Year All!!
Title:
Post by: jennrod12 on December 31, 2016, 12:00:00 AM
Here is my latest:  Jennrod12 "Buy & Hold" account, no folio

Adjusted Net Annualized Return ?:   4.62%
Weighted Average Interest Rate:   13.48%
Weighted Average Age of Portfolio:   14.4 mos
Number of Notes:   200
Number of Active notes: 162

A(2.3%) B (24.1%) C(41.1%) D(22.2%) E(7.4%) F(3.0%) G(0.0%)
Payments  36(99.2%) 60(0.8%)

vs All Accounts:  27.69
vs Similar Age Accounts:  43.66
vs Similar Age and WAIR Accounts:  45.95

Thank you, and Happy New Year!

Jenn
Title:
Post by: jz451 on December 31, 2016, 12:00:00 AM
It is about time I finally posted my returns after starting nine months ago, so here we go. All but one note is from folio after accidently not turning off a LendingRobot filter.

Combined ANAR:   10.11%
Weighted Average Interest Rate:   23.2%
Weighted Average Age of Portfolio:   25.22 mos  <<<<calculated from my excel returns file due to being combined.
Number of Notes:   101 (93 active)

Grade: A(0%) B (0%) C(0%) D(7.2%) E(36.2%) F(31.6%) G(24.9%)
Term: 36(1.9%) 60(98.1%)


vs All Accounts: 96.48
vs Similar Age Accounts: 99.28
vs Similar Age and WAIR Accounts: 100.00

Proof photos are attached below.   


Title:
Post by: Edward Reid on December 31, 2016, 12:00:00 AM
2017-01-01

Adjusted Net Annualized Return:    8.58%
Weighted Average Interest Rate:    13.58%
Weighted Average Age of Portfolio:    11.5 mos
Number of Notes:    377

Grade
A (0.8%) B (3.5%) C (93.1%)
D (2.5%) E (0.0%) F (0.0%) G (0.0%)

Term
Payments  36 (18.1%) 60 (81.9%)

vs All Accounts:
    91.31
vs Similar Age Accounts:
    95.92
vs Similar Age and WAIR Accounts:
    96.23
Title:
Post by: Paulie2083 on January 02, 2017, 12:00:00 AM
Quote"> from: Paulie2083 on November 16, 2016, 03:36:56 PM
Title:
Post by: jheizer on January 02, 2017, 12:00:00 AM
My update: https://docs.google.com/spreadsheets/d/1vIWsPi5fb3YTo_H3aOnIppxyypQkBZW90HpBcLXLjVo/edit?usp=sharing
Title:
Post by: JohnnyP on January 03, 2017, 12:00:00 AM
Where do you get you ranking versus other accounts like this:

vs All Accounts:
    91.31
vs Similar Age Accounts:
    95.92
vs Similar Age and WAIR Accounts:
    96.23

I do not see it on my "Understanding Your Returns" page.
Title:
Post by: TravelingPennies on January 03, 2017, 12:00:00 AM
See my signature.
Title:
Post by: BruiserB on January 04, 2017, 12:00:00 AM
My Updates:

Measure         Standard Account                 IRA Account
ANAR             7.81                                      6.44
WAIR             17.61                                    19.24
WAAoP          27.6                                      19.1
#Notes           13,453                                  1,997
WAIR-ANAR   9.80                                      12.80
A                    4.0                                        0.0
B                    14.5                                       0.2
C                    16.9                                       21.3
D                    19.5                                      29.6
E                    24.9                                       29.5
F                     16.9                                       17.3
G                    3.3                                         2.2
36                  39.0                                        29.1
60                  61.0                                       70.9
Q                    88.19                                     70.46
R                    91.30                                     82.51
S                    87.67                                     79.14
                      No Folio                                  No Folio

2016 XIRR      4.12%                                     3.69
Reinvesting?   No                                          Yes, with NSR Invest Aggressive Managed
Title:
Post by: lascott on January 05, 2017, 12:00:00 AM
Quote"> from: dr.everett on December 16, 2016, 10:16:32 PM
Title:
Post by: TravelingPennies on January 05, 2017, 12:00:00 AM
Thanks for all the updates. People are making some changes in the notes they are buying!

I updated about 1/2 and will finish in the morning and post the sheets.
Title:
Post by: TravelingPennies on January 05, 2017, 12:00:00 AM
Thanks to the new and interesting accounts. If I dont' see regular updates (at least quarterly), I'd probably mark this in the spreadsheet to be one of the first to fall off (hide rows). jz451's being so new and < 100 active notes would be the first to go since it may not be longterm realistic performance without more quality purchases/notes. I did hide a few non-active ones to add you folks.

SLCPaladin and jpildis, Thank you both for providing the data in this straight forward format/manner.  You both have some history/post here also.
jz451, thanks for providing the interesting account.

from: SLCPaladin on December 31, 2016, 02:49:04 PM
Title:
Post by: TravelingPennies on January 05, 2017, 12:00:00 AM
Dec (vs Nov)
Image: http://i.imgur.com/PjSByrf.png
Image: http://i.imgur.com/u9gOUYf.png
<snip>
Title:
Post by: dr.everett on January 05, 2017, 12:00:00 AM
from: lascott on January 05, 2017, 12:48:09 AM
Title:
Post by: jz451 on January 05, 2017, 12:00:00 AM
Yeah my portfolio is really interesting at the moment, and continuously working to decide what to do in the future once I invest more money. I'm using the account to test my original strategy and don't intend to sell it off anytime soon. I attached below an PDF with my results this past year which gives anyone interested a better understanding of what I have been doing. Also I intend to add another 3k either all at once or incrementally in the near future.Quote"> from: lascott on January 05, 2017, 12:08:47 PM
Title:
Post by: jheizer on January 24, 2017, 12:00:00 AM
PSA: My web hosting company has gone bankrupt and it shutting down so the compare page might be down a day or two depending on how long my server keeps running.  It is up as of now.  Hopefully I can be all migrated before anything happens, so just a heads up.
Title:
Post by: Rob L on January 24, 2017, 12:00:00 AM
from: jheizer on January 24, 2017, 12:53:10 PM
Title:
Post by: TravelingPennies on January 24, 2017, 12:00:00 AM
Thanks. I need a VPS for the stuff I run on it and I'm too cheap to use any of the big name people since it is mostly junk projects.  Signed up for another budget class place for $70/yr.  Now I just have to move everything over.
Title:
Post by: TravelingPennies on January 24, 2017, 12:00:00 AM
from: jheizer on January 24, 2017, 07:33:16 PM
Title:
Post by: AnilG on January 24, 2017, 12:00:00 AM
You can get a VPS for $5/month at Digital Ocean. You could use Amazon Web Services (AWS) and get a micro EC2 instance at no charge for the first year with new account. Microsoft Azure is another one which is very cost effective.

from: jheizer on January 24, 2017, 07:33:16 PM
Title:
Post by: TravelingPennies on January 24, 2017, 12:00:00 AM
from: Rob L on January 24, 2017, 09:08:55 PM
Title:
Post by: TravelingPennies on January 25, 2017, 12:00:00 AM
All back online.  It would have gone great except I run something that triggers my threat detection on my firewall here at home and I hit that and lost all connectivity to the remote server.  Thinking it was an issue with my "discount" provider or that I blocked my self I eventually got made and hit the reformat button.  At that very instant I remember to check my firewall.  I was so mad.  At least things are always faster the second time...
Title:
Post by: TravelingPennies on January 25, 2017, 12:00:00 AM
from: jheizer on January 25, 2017, 09:18:13 AM
Title:
Post by: rubicon on January 31, 2017, 12:00:00 AM
Jan 31

https://www.lendingclub.com/account/summary.action
ANAR: 10.27% (combined return)
Number of notes: 25955

https://www.lendingclub.com/account/lenderBenchmarkReturns.action
Weighted Average Age of Portfolio: 19.0 months

https://www.lendingclub.com/account/lenderAccountDetail.action
Weighted Average Rate:16.07%
A: 0.3%
B: 4.1%
C: 38.3%
D: 36.0%
E: 16.2%
F: 4.4%
G:  0.7%

36: 86.9%
60: 13.1%
Title:
Post by: TravelingPennies on January 31, 2017, 12:00:00 AM
Adjusted Net Annualized Return:    11.56%
Weighted Average Interest Rate:    22.37%
Weighted Average Age of Portfolio:    22.06 mos
Number of Notes:    124

Grade
A (0%) B (0%) C (0%)
D (15.7%) E (43%) F (22.2%) G (19.1%)

Term
36 (1.2%) 60 (98.2%)

vs All Accounts: 98.33
vs Similar Aged Accounts: 99.83
vs Similar Aged and WAIR Accounts: 100.00
Title:
Post by: SLCPaladin on February 01, 2017, 12:00:00 AM
As of 2/1/2017L

Adjusted Net Annualized Return:  7.52%
Weighted Average Interest Rate: 14.32%
Weighted Average Age of Portfolio: 22.9 mos
Number of Notes: 6229

Grade
A (11.9%) B (27.8%) C (23.5%)
D (17.7%) E (15.9%) F (2.6%) G (0.6%)

Term
36 (40.5%) 60 (59.5%)

vs All Accounts: 85.36
vs Similar Aged Accounts: 91.59
vs Similar Aged and WAIR Accounts: 90.41
Title:
Post by: TravelingPennies on February 01, 2017, 12:00:00 AM
01 Feb 2017

Combined Returns
Adjusted Net Annualized Return:            7.68%

Weighted Average Interest Rate:           17.47%
Weighted Average Age of Portfolio:        27.9 mos
Number of Notes:                                 9601

A (0.3%) B (3.5%) C(1.7%) D(62.2%) E(31.6%) F(0.7%) G(0.0%)                                 

Term 36(100%) 60(0%)

vs All Accounts: 86.75
vs Similar Age Accounts: 89.47
vs Similar Age and WAIR Accounts: 85.07

On 19 Jan 2017 I revised my investment strategy from reinvesting cash in D & E grade notes exclusively to reinvesting cash B grade notes.
Title:
Post by: Edward Reid on February 01, 2017, 12:00:00 AM
2017-02-01

Adjusted Net Annualized Return:    8.38%
Weighted Average Interest Rate:    13.62%
Weighted Average Age of Portfolio:    12.2 mos
Number of Notes:    383

Grade
A (0.8%) B (3.4%) C (93.4%)
D (2.5%) E (0.0%) F (0.0%) G (0.0%)

Term
Payments  36 (19.6%) 60 (80.4%)

vs All Accounts:
    91.40
vs Similar Aged Accounts:
    96.54
vs Similar Aged and WAIR Accounts:
    96.30
Title:
Post by: jennrod12 on February 02, 2017, 12:00:00 AM
Jennrod12 "Buy & Hold" - 2/2/17

Adjusted Net Annualized Return3: 4.67%
Weighted Average Interest Rate: 13.48%
Weighted Average Age of Portfolio: 15.5 mos
Number of Notes: 200
Number of active notes: 153

A(2.4%) B(23.3%) C(40.8%)
D(22.9%) E(7.6%) F(3.1%) G(0.0%)

Payments  36 (99.2%) 60 (0.8%)

vs All Accounts: 31.89
vs Similar Aged Accounts: 48.16
vs Similar Aged and WAIR Accounts: 52.15
Title:
Post by: Fudgenut on February 03, 2017, 12:00:00 AM
Feb 3, 2017

Fudgenut SEP IRA:
Adjusted Net Annualized Return:   9.43%
Weighted Average Interest Rate:   18.88%
Weighted Average Age of Portfolio:   25.5 mos
Number of Notes:   5,251

A(0.0%) B (0.7%) C(19.3%) D(46.0%) E(23.8%) F(8.2%) G(1.9%)
Payments  36(33.6%) 60(66.4%)

COMBINED
vs All Accounts:
94.81
vs Similar Age Accounts:
98.66
vs Similar Age and WAIR Accounts:
97.34


Fudgenut ROTH IRA:
Adjusted Net Annualized Return3 ?:   8.84%
Weighted Average Interest Rate:   18.95%
Weighted Average Age of Portfolio:   26.3 mos
Number of Notes:   4,212

A(0.0%) B (0.7%) C(20.7%) D(44.7%) E(23.2%) F(8.8%) G(1.8%)
Payments  36(31.5%) 60(68.5%)

FOLIO COMBINED
vs All Accounts:
92.87
vs Similar Age Accounts:
97.43
vs Similar Age and WAIR Accounts:
93.51


Fudgenut Taxable:

Adjusted Net Annualized Return3 ?:   8.33%
Weighted Average Interest Rate:   18.86%
Weighted Average Age of Portfolio:   24.4 mos
Number of Notes:   2,404

A(0.0%) B (0.0%) C(9.9%) D(53.7%) E(26.7%) F(8.4%) G(1.3%)
Payments  36(22.1%) 60(77.9%)

FOLIO COMBINED
vs All Accounts:
90.53
vs Similar Age Accounts:
95.48
vs Similar Age and WAIR Accounts:
92.38
Title:
Post by: lascott on February 03, 2017, 12:00:00 AM
If anyone has updates of Jan, please get them in. I will update the spreadsheet over the weekend. Thx
Title:
Post by: Lovinglifestyle on February 03, 2017, 12:00:00 AM
Combined ANAR:  8.39

Adjusted Net Annualized Return:  14.35%
Weighted Average Interest Rate:    18.47%
Weighted Average Age of Portfolio:  37.7 mos
Number of Notes:  5,774

A(0.4%) B (9.9%) C(12.5%) D(13.6%) E(37.9%) F(19.2%) G(6.5%)
36(37.5%) 60(62.5%)

vs All Accounts:
90.53
vs Similar Aged Accounts: (37.7 months)
0.00
vs Similar Aged and WAIR Accounts: (37.7 and 18.47)
0.00
Title:
Post by: storm on February 03, 2017, 12:00:00 AM
Combined ANAR: 9.52%

Weighted Average Interest Rate:   15.16%
Weighted Average Age of Portfolio:   31.2 mos
Number of Notes:   6,428

A(0.0%) B (8.6%) C(45.7%) D(23.5%) E(17.4%) F(3.7%) G(1.2%)
36(33.5%) 60(66.5%)

vs All Accounts:  95.06
vs Similar Aged Accounts:  0.00
vs Similar Aged and WAIR Accounts:  0.00

XIRR:  9.98%
Title:
Post by: Paulie2083 on February 04, 2017, 12:00:00 AM
Adjusted Net Annualized Return3 ?:   10.01%
Weighted Average Interest Rate:   19.54%
Weighted Average Age of Portfolio:   7.5 mos
Number of Notes:   1,168

vs All Accounts:
96.16
vs Similar Aged Accounts:
95.64
vs Similar Aged and WAIR Accounts:
91.07

A(0.0%) B (0.0%) C(1.4%) D(63.0%) E(35.6%) F(0.0%) G(0.0%)
Payments  36(52.1%) 60(47.9%
Title:
Post by: TravelingPennies on February 06, 2017, 12:00:00 AM
Quote"> from: jz451 on December 31, 2016, 05:36:15 PM
Title:
Post by: jz451 on February 06, 2017, 12:00:00 AM
Yes I have added $500 work on notes on Folio, about 25 notes with the added notes changing the composition of the portfolio. I'm going into less risky notes in the D-E range, and have another $2500 I might be moving into my account in the coming months.
Title:
Post by: TravelingPennies on February 06, 2017, 12:00:00 AM
Jan'17 (vs Dec'16)
Image: http://i.imgur.com/6MMK1oQ.jpg
Image: http://i.imgur.com/Fg98D4r.jpg

Title:
Post by: ThinleyWangchuk on February 28, 2017, 12:00:00 AM
Adjusted Net Annualized Return :   9.81%
Weighted Average Interest Rate:   20.95%
Weighted Average Age of Portfolio:   28.4 mos
Number of Notes:   1,353

vs All Accounts:
95.71
vs Similar Age Accounts:
99.25
vs Similar Age and WAIR Accounts:
97.30

--

Adjusted Net Annualized Return3 ?:   15.87%
Weighted Average Interest Rate:   20.76%
Weighted Average Age of Portfolio:   51.2 mos
Number of Notes:   79

vs All Accounts:
99.83
vs Similar Age Accounts:
0.00
vs Similar Age and WAIR Accounts:
0.00
Title:
Post by: rubicon on February 28, 2017, 12:00:00 AM
Feb 28

https://www.lendingclub.com/account/summary.action
ANAR: 10.22% (combined return)
Number of notes: 27503

https://www.lendingclub.com/account/lenderBenchmarkReturns.action
Weighted Average Age of Portfolio: 20.0 months

https://www.lendingclub.com/account/lenderAccountDetail.action
Weighted Average Rate:16.11%
A: 0.4%
B: 4.5%
C: 37.1%
D: 35.9%
E: 16.8%
F: 4.5%
G:  0.8%

36: 86.9%
60: 13.1%
Title:
Post by: TravelingPennies on March 01, 2017, 12:00:00 AM
Adjusted Net Annualized Return :   10.87%
Weighted Average Interest Rate:   22.08%
Weighted Average Age of Portfolio:   22.98 mos
Number of Notes:   134

vs All Accounts: 97.37
vs Similar Age Accounts: 99.75
vs Similar Age and WAIR Accounts: 100.00

Title:
Post by: TravelingPennies on March 01, 2017, 12:00:00 AM
from: jz451 on March 01, 2017, 01:44:05 AM
Title:
Post by: SLCPaladin on March 01, 2017, 12:00:00 AM
As of 3/1/2017

Adjusted Net Annualized Return:  7.48%
Weighted Average Interest Rate: 14.23%
Weighted Average Age of Portfolio: 23.3 mos
Number of Notes: 6382

Grade
A (13.2%) B (28.0%) C (23.1%)
D (17.1%) E (15.6%) F (2.5%) G (0.6%)

Term
36 (42.9%) 60 (57.1%)

vs All Accounts: 84.53
vs Similar Aged Accounts: 91.97
vs Similar Aged and WAIR Accounts: 90.51
Title:
Post by: Edward Reid on March 01, 2017, 12:00:00 AM
2017-03-01

Adjusted Net Annualized Return:    7.67%
Weighted Average Interest Rate:    13.65%
Weighted Average Age of Portfolio:    12.9 mos
Number of Notes:    389

Grade
A (0.6%) B (3.2%) C (93.9%)
D (2.3%) E (0.0%) F (0.0%) G (0.0%)

Term
Payments  36 (21.1%) 60 (78.9%)

vs All Accounts:
    86.28
vs Similar Age Accounts:
    93.77
vs Similar Age and WAIR Accounts:
    93.32

(no folio)
Title:
Post by: TravelingPennies on March 01, 2017, 12:00:00 AM
Woops how did I miss that. Also good thing I'm reposting as the ANAR didn't get updated last night.  :P

Adjusted Net Annualized Return :   10.93%
Weighted Average Interest Rate:   22.08%
Weighted Average Age of Portfolio:   22.98 mos
Number of Notes:   134

Grade
A (0%) B (0%) C (0%)
D (19.9%) E (43.7%) F (18.9%) G (17.5%)

Term
36 (0.8%) 60 (99.2%)


vs All Accounts: 97.37
vs Similar Age Accounts: 99.75
vs Similar Age and WAIR Accounts: 100.00

from: lascott on March 01, 2017, 10:16:27 AM
Title:
Post by: scotty0318 on March 01, 2017, 12:00:00 AM
Adjusted Net Annualized Return3 ?:   9.46%
Weighted Average Interest Rate:           20.57%
Weighted Average Age of Portfolio:           6.8 mos
Number of Notes:                                   1,338

A(0.0%) B (0.5%) C(22.1%) D(24.4%) E(39.6%) F(10.8%) G(2.7%)

Payments  36(48.9%) 60(51.1%)

**Where do you find the following information?**
vs All Accounts:
vs Similar Aged Accounts:
vs Similar Aged and WAIR Accounts:
Title:
Post by: BruiserB on March 01, 2017, 12:00:00 AM
My Updates:

Measure         Standard Account                 IRA Account
ANAR             7.66                                      6.04
WAIR             17.61                                    19.28
WAAoP          29.5                                      18.5
#Notes           13,453                                  2,293
WAIR-ANAR   9.95                                      13.24
A                    3.9                                        0.0
B                    14.3                                      0.1
C                    16.7                                      23.6
D                    19.3                                      29.0
E                    25.2                                       29.1
F                     17.2                                       16.4
G                    3.3                                         1.8
36                  37.9                                        30.7
60                  62.1                                       69.3
Q                    86.28                                     64.15
R                    90.60                                     78.55
S                    84.05                                     82.16
                      No Folio                                  No Folio

2017 XIRR      -1.37                                     -1.31


Both accounts negative returns YTD.
Title:
Post by: Lovinglifestyle on March 01, 2017, 12:00:00 AM
Combined ANAR:                            8.42%
Weighted Average Interest Rate:      18.53%
Weighted Average Age of Portfolio: 38.2 mos
Number of Notes:                      5,819

A (0.3%) B (9.3%) C(11.9%) D(13.4%) E(38.5%) F(19.8%) G(6.9%)
Payments  36(38.0%) 60(62.0%)

vs All Accounts:
91.60
vs Similar Age Accounts: (38.2 mos.)
0.00
vs Similar Age and WAIR Accounts: (WAIR 18.53)
0.00

Title:
Post by: hambling on March 01, 2017, 12:00:00 AM
Combined ANAR:                            6.18%
Weighted Average Interest Rate:      15.88%
Weighted Average Age of Portfolio: 19.4 mos
Number of Notes:                     1,028

A (2.0%) B (8.5%) C(28.1%) D(35.4%) E(16.9%) F(6.8%) G(2.3%)
Term   36(62.8%) 60(37.2%)

vs All Accounts:
67.63
vs Similar Age Accounts: (19.4 mos.)
81.34
vs Similar Age and WAIR Accounts: (WAIR 15.88)
82.82
Title:
Post by: TravelingPennies on March 01, 2017, 12:00:00 AM
IRA

Combined ANAR:                            6.39%
Weighted Average Interest Rate:      17.42%
Weighted Average Age of Portfolio: 17.0 mos
Number of Notes:                             919

A (0.4%) B (4.5%) C(23.4%) D(37.6%) E(23.5%) F(8.7%) G(1.9%)
Term   36(62.4%) 60(37.6%)

vs All Accounts:
71.3
vs Similar Age Accounts: (17.0 mos.)
85.96
vs Similar Age and WAIR Accounts: (WAIR 17.42%)
87.25
Title:
Post by: ameydhar on March 01, 2017, 12:00:00 AM
Combined ANAR:                            8.34%
Weighted Average Interest Rate:      17.30%
Weighted Average Age of Portfolio: 9.3 mos
Number of Notes:                     531

A (1.9%) B (8.2%) C(28.3%) D(34.7%) E(18.9%) F(7.2%) G(0.7%)
Term:  36(45.0%) 60(55.0%)

vs All Accounts:
91.11
vs Similar Age Accounts:
92.68
vs Similar Age and WAIR Accounts:
90.99
Title:
Post by: jennrod12 on March 02, 2017, 12:00:00 AM
Jennrod12 "Buy & Hold" account:

Adjusted Net Annualized Return3:   4.09%
Weighted Average Interest Rate:   13.48%
Weighted Average Age of Portfolio:   16.4 mos
Number of Notes:   200
Number of Active notes: 146

A(2.4%) B (22.5%) C(40.5%) D(23.6%) E(7.8%) F(3.1%) G(0.0%)
Term: 36(99.1%) 60(0.9%)

vs All Accounts: 24.77
vs Similar Age Accounts: 36.70
vs Similar Age and WAIR Accounts: 32.11

Seems to have slipped a bit this month, relative to others as shown in my ANAR Compare numbers.

Thanks for compiling this!

Jenn
Title:
Post by: Paulie2083 on March 03, 2017, 12:00:00 AM
Adjusted Net Annualized Return3 ?:   9.54%
Weighted Average Interest Rate:   19.54%
Weighted Average Age of Portfolio:   7.9 mos
Number of Notes:   1,236

vs All Accounts:
95.21
vs Similar Age Accounts:
94.85
vs Similar Age and WAIR Accounts:
90.86

(0.0%) B (0.0%) C(1.3%) D(64.0%) E(34.7%) F(0.0%) G(0.0%)

Title:
Post by: jpildis on March 03, 2017, 12:00:00 AM
ANAR: 9.85%
WAIR: 20.97%
WAA: 22.7 Months
notes 1440

C=0.1%, D=23.5%, E=46.7%, F=25.8%, G=3.8%
36 = 4% / 60 month=96%

59% Purchased / 41% Originated

10.20% XIRR

Title:
Post by: lascott on March 03, 2017, 12:00:00 AM
I will update this tomorrow. No new accounts are being added at this time. We have a pretty good representation.
Title:
Post by: storm on March 03, 2017, 12:00:00 AM
Combined ANAR:  9.46%
Weighted Average Interest Rate:   15.13%
Weighted Average Age of Portfolio:   31.4 mos
Number of Notes:   6,624

A(0.0%) B (9.9%) C(45.1%) D(23.4%) E(17.0%) F(3.6%) G(1.1%)
Payments  36(35.7%) 60(64.3%)

vs All Accounts: 94.65
vs Similar Age Accounts: 0.00
vs Similar Age and WAIR Accounts: 0.00
Title:
Post by: TravelingPennies on March 04, 2017, 12:00:00 AM
Thanks everyone. One person stood out this month :)

Feb'17 (vs Jan'17)
Image: http://i.imgur.com/MlWWJI7.jpg
Image: http://i.imgur.com/nYVNz4y.jpg
<snip>
Title:
Post by: twigster on March 05, 2017, 12:00:00 AM
twigster ROTH:
Your Notes purchased on the Lending Club platform
Adjusted Net Annualized Return:   7.94%
Weighted Average Interest Rate:   13.50%
Weighted Average Age of Portfolio:   19.0 mos
Number of Notes: 3,039

A(14.3%) B (4.0%) C(49.5%) D(23.6%) E(8.3%) F(0.3%) G(0.1%)
Payments  36(37.3%) 60(62.7%)

vs All Accounts: 88.32
vs Similar Age Accounts: 96.82
vs Similar Age and WAIR Accounts: 96.15
_______________________________________

twigster:
Your Notes purchased on the Lending Club platform
Adjusted Net Annualized Return:   8.56%
Weighted Average Interest Rate:   13.81%
Weighted Average Age of Portfolio:   26.4 mos
Number of Notes: 1,127

A(12.2%) B (9.3%) C(43.6%) D(34.9%) E(0.1%) F(0.0%) G(0.0%)
Payments  36(46%) 60(54%)

vs All Accounts: 91.47
vs Similar Age Accounts: 96.79
vs Similar Age and WAIR Accounts: 96.89

_______________________________________________________________________________________________
Have been transitioning over to A notes starting beginning of December, so main account is up to 14.3% A notes (from 0%) in about 3 months by just reinvesting payments in new A notes.  Still no negative months, and returns look like they are starting to stabilize a bit.  No unexpected churning on the A notes and so far no lates.   
Title:
Post by: JohnnyP on March 05, 2017, 12:00:00 AM
I keep seeing these stats in everybody's post:

vs All Accounts: 94.65
vs Similar Age Accounts: 0.00
vs Similar Age and WAIR Accounts: 0.00

I cannot find it anywhere in my 'Understanding Your Returns' area. Where are you finding it?

Title:
Post by: Rob L on March 05, 2017, 12:00:00 AM
Use: Replacement to P2P Quant's Percentile Tool http://lc.geekminute.com
Courtesy of Jon
Title:
Post by: lascott on March 06, 2017, 12:00:00 AM
Quote"> from: twigster on March 05, 2017, 09:50:03 AM
Title:
Post by: TravelingPennies on March 08, 2017, 12:00:00 AM
Title:
Post by: Lovinglifestyle on March 08, 2017, 12:00:00 AM
Great new chart!  Thank you!
Title:
Post by: jheizer on March 08, 2017, 12:00:00 AM
NO no no, it is a depressing chart.
Title:
Post by: rawraw on March 08, 2017, 12:00:00 AM
A (10.6%) B (29.0%) C(23.5%) D(13.4%) E(12.6%) F(8.9%) G(2.1%)
Payments  36(39.6%) 60(60.4%)
Adjusted Net Annualized Return 8.04%
Weighted Average Interest Rate:   14.07%
Weighted Average Age of Portfolio:   25.1 mos
Number of Notes:   2,967
Title:
Post by: ThinleyWangchuk on March 22, 2017, 11:00:00 PM
Anyone have the link to the percentile calculator?
Title:
Post by: storm on March 22, 2017, 11:00:00 PM
from: ThinleyWangchuk on March 23, 2017, 10:28:59 PM
Title:
Post by: TravelingPennies on March 22, 2017, 11:00:00 PM
Doesn't load:

"502 Bad Gateway

nginx/1.10.0 (Ubuntu)"
Title:
Post by: TravelingPennies on March 22, 2017, 11:00:00 PM
Try now.  My server has been acting weird today.
Title:
Post by: TravelingPennies on March 22, 2017, 11:00:00 PM
Excellent!  Thanks
Title:
Post by: Rob L on March 23, 2017, 11:00:00 PM
from: storm on March 23, 2017, 10:39:09 PM
Title:
Post by: arcee49 on March 23, 2017, 11:00:00 PM
from: jheizer on March 23, 2017, 10:46:06 PM
Title:
Post by: TravelingPennies on March 23, 2017, 11:00:00 PM
bah, no.  Its broke.  I'll look at it tonight/this weekend.
Title:
Post by: TravelingPennies on March 26, 2017, 11:00:00 PM
Site fixed.  Could be a bad sign.  I had a bug in my code where the authentication wasn't sticking and they must have had an issue where it was currently working without an authenticated user.  Or so it appeared.  Hopefully it keeps working in the future.
Title:
Post by: TravelingPennies on March 27, 2017, 11:00:00 PM
from: jheizer on March 27, 2017, 11:31:42 PM
Title:
Post by: jheizer on March 27, 2017, 11:00:00 PM
Yeah I saw that after I had updated and replied here.  History page isn't updating either.  I'll look at it eventually.
Title:
Post by: rubicon on March 30, 2017, 11:00:00 PM
Mar 31

https://www.lendingclub.com/account/summary.action
ANAR: 10.15% (combined return)
Number of notes: 28387

https://www.lendingclub.com/account/lenderBenchmarkReturns.action
Weighted Average Age of Portfolio: 21.0 months

https://www.lendingclub.com/account/lenderAccountDetail.action
Weighted Average Rate:16.21%
A: 0.3%
B: 4.7%
C: 35.4%
D: 35.2%
E: 18.5%
F: 5.0%
G:  0.9%

36: 86.5%
60: 13.5%
Title:
Post by: storm on March 31, 2017, 11:00:00 PM
Combined ANAR:  9.52%
Weighted Average Interest Rate:   15.13%
Weighted Average Age of Portfolio:   32.3 mos
Number of Notes:   6,624

A(0.0%) B (9.9%) C(44.9%) D(23.4%) E(17.1%) F(3.6%) G(1.1%)
36(35.7%) 60(64.3%)

vs All Accounts: 94.30
vs Similar Age Accounts: 0.00
vs Similar Age and WAIR Accounts: 0.00

XIRR:  9.86%
Title:
Post by: jz451 on March 31, 2017, 11:00:00 PM
I started the process of investing $2500 this month into my account which is going to result in a big change to my results over the next couple of months as I slowly churn through the cash.

Combined ANAR:  11.50%
Weighted Average Interest Rate:  21.24%
Weighted Average Age of Portfolio:   23.31 mos
Number of Notes:   169

A(0.0%) B (0.0%) C(0.0%) D(31.4%) E(42.1%) F(13.5%) G(13.0%)
36(0.5%) 60(99.5%)

vs All Accounts: 97.79
vs Similar Age Accounts: 99.81
vs Similar Age and WAIR Accounts: 99.02
Title:
Post by: Lovinglifestyle on March 31, 2017, 11:00:00 PM
Combined ANAR:  8.46
Weighted Average Interest Rate:  18.55
Weighted Average Age of Portfolio:  39.1 mos
Number of Notes:  5835
Active Notes:  1528

A(0.4%) B (8.8%) C(11.7%) D(13.3%) E(38.9%) F(20.0%) G(7.1%)
36(38.2%) 60(61.8%)

vs All Accounts:  91.23
vs Similar Age Accounts:  0.00
vs Similar Age and WAIR Accounts:  0.00

Note:  Am making withdrawals and limiting re-investment.

Title:
Post by: dr.everett on March 31, 2017, 11:00:00 PM
IRA:

Combined ANAR: 8.13
Weighted Average Interest Rate:   18.51%
Weighted Average Age of Portfolio:   31.6 mos
Number of Notes:   4,789
Active Notes: 7355

A(0.3%) B (6.0%) C(15.3%) D(27.1%) E(35.4%) F(13.7%) G(2.2%)

vs All Accounts: 89.76
vs Similar Age Accounts: 0.00
vs Similar Age and WAIR Accounts: 0.00


Taxable:

Combined ANAR: 6.73
Weighted Average Interest Rate:   19.39%
Weighted Average Age of Portfolio:   20.1 mos
Number of Notes:   1,724
Active Notes: 5146

A(0.2%) B (5.0%) C(14.1%) D(25.8%) E(37.8%) F(14.9%) G(2.3%)

vs All Accounts: 77.76
vs Similar Age Accounts: 90.17
vs Similar Age and WAIR Accounts: 87.03
Title:
Post by: Edward Reid on April 01, 2017, 11:00:00 PM
2017-04-01

Adjusted Net Annualized Return:   8.08%
Weighted Average Interest Rate:   13.73%
Weighted Average Age of Portfolio:   11.6 mos
Number of Notes:   447

Grade
A(0.4%) B (2.4%) C(95.3%) D(1.8%) E(0.0%) F(0.0%) G(0.0%)

Term
Payments  36(35.1%) 60(64.9%)

vs All Accounts: 89.32
vs Similar Age Accounts: 95.10
vs Similar Age and WAIR Accounts: 96.00

(no folio)
Title:
Post by: SLCPaladin on April 01, 2017, 11:00:00 PM
As of 4/2/2017:

Adjusted Net Annualized Return:  7.41%
Weighted Average Interest Rate: 14.21%
Weighted Average Age of Portfolio: 24.3 mos
Number of Notes: 6415

Grade
A (13.1%) B (27.9%) C (23.1%)
D (17.1%) E (15.7%) F (2.4%) G (0.6%)

Term
36 (42.9%) 60 (57.1%)

vs All Accounts: 85.28
vs Similar Aged Accounts: 92.48
vs Similar Aged and WAIR Accounts: 93.27

Note: For a variety of reasons, I am withdrawing funds as notes mature and no longer reinvesting. Interest rates are not high enough to offset increased default and perceived risks.
Title:
Post by: jennrod12 on April 01, 2017, 11:00:00 PM
Jennrod12 "buy and hold" account:

Adjusted Net Annualized Return:   4.11%
Weighted Average Interest Rate:   13.48%
Weighted Average Age of Portfolio:   17.5 mos
Number of Notes:   200
Number of Active loans: 144

A(2.0%) B (22.1%) C(40.5%) D(24.1%) E(8.0%) F(3.2%) G(0.0%)
Payments 36(99.1%) 60(0.9%)

vs All Accounts: 27.72
vs Similar Age Accounts: 38.95
vs Similar Age and WAIR Accounts: 40.10

My larger IRA account is doing a little better than this, but I am withdrawing funds and don't plan to continue with LC after I've aged out.  It's not worth the trouble.

Thanks for compiling these stats!

Jenn
Title:
Post by: Fudgenut on April 01, 2017, 11:00:00 PM
April 2, 2017

Fudgenut SEP IRA:
Adjusted Net Annualized Return:   9.14%
Weighted Average Interest Rate:   18.58%
Weighted Average Age of Portfolio:   26.2 mos
Number of Notes:   5,251

A(0.0%) B (4.8%) C(20.7%) D(43.3%) E(21.9%) F(7.6%) G(1.8%)
Payments  36(39.0%) 60(61.0%)

COMBINED
vs All Accounts:
93.76
vs Similar Age Accounts:
98.82
vs Similar Age and WAIR Accounts:
98.19


Fudgenut ROTH IRA:
Adjusted Net Annualized Return3 ?:   8.55%
Weighted Average Interest Rate:   18.67%
Weighted Average Age of Portfolio:   27.0 mos
Number of Notes:   4,420

A(0.0%) B (4.4%) C(22.0%) D(42.3%) E(21.4%) F(8.3%) G(1.7%)
Payments  36(36.9%) 60(63.1%)

FOLIO COMBINED
vs All Accounts:
91.74
vs Similar Age Accounts:
97.19
vs Similar Age and WAIR Accounts:
94.69


Fudgenut Taxable:

Adjusted Net Annualized Return3 ?:   8.04%
Weighted Average Interest Rate:   18.94%
Weighted Average Age of Portfolio:   25.8 mos
Number of Notes:   2,046

A(0.0%) B (0.0%) C(11.4%) D(50.8%) E(27.2%) F(9.2%) G(1.4%)
Payments  36(20.5%) 60(79.5%)

FOLIO COMBINED
vs All Accounts:
89.32
vs Similar Age Accounts:
95.03
vs Similar Age and WAIR Accounts:
91.71
Title:
Post by: TravelingPennies on April 02, 2017, 11:00:00 PM
https://docs.google.com/spreadsheets/d/1vIWsPi5fb3YTo_H3aOnIppxyypQkBZW90HpBcLXLjVo/edit?usp=sharing
Title:
Post by: lascott on April 02, 2017, 11:00:00 PM
I'll will probably update this tomorrow.  BTW, LC statements are available. Things are moving in the right direction.
Title:
Post by: Paulie2083 on April 03, 2017, 11:00:00 PM
Adjusted Net Annualized Return3 ?:   9.39%
Weighted Average Interest Rate:   19.57%
Weighted Average Age of Portfolio:   8.4 mos
Number of Notes:   1,315

(0.0%) B (0.0%) C(1.2%) D(64.0%) E(34.7%) F(0.0%) G(0.0%)
36(55.9%) 60(44.1%)

vs All Accounts:
94.44
vs Similar Age Accounts:
94.02
vs Similar Age and WAIR Accounts:
90.42
Title:
Post by: ameydhar on April 04, 2017, 11:00:00 PM
Adjusted Net Annualized Return:  7.65%
Weighted Average Interest Rate: 17.36%
Weighted Average Age of Portfolio: 9.6 months
Number of Notes: 574

Grade
A (1.7%) B (7.5%) C (29.2%)
D (35.7%) E (18.5%) F (6.8%) G (0.6%)

Term
36 (48.5%) 60 (51.5l%)

vs All Accounts: 86.91
vs Similar Age Accounts: 88.83
vs Similar Age and WAIR Accounts: 87.67
Title:
Post by: TravelingPennies on April 04, 2017, 11:00:00 PM
Mar'17 (vs Feb'17)
Image: http://i.imgur.com/gbcvn4T.jpg
Image: http://i.imgur.com/HkXiIjt.jpg
Image: http://i.imgur.com/ruIY6Zu.jpg
<snip>
Added ANAR Compare URL to spreadsheet above: http://lc.geekminute.com/Home/ANARCompare
Title:
Post by: Edward Reid on April 30, 2017, 11:00:00 PM
2017-05-01

Adjusted Net Annualized Return:    7.82%
Weighted Average Interest Rate:    13.74%
Weighted Average Age of Portfolio:    12.1 mos
Number of Notes:    456

Grade
A (0.4%) B (2.3%) C (95.6%) D (1.7%) E (0.0%) F (0.0%) G (0.0%)

Term
Payments  36 (36.8%) 60 (63.2%)

lc.geekminute.com is throwing 502s at me tonight.

vs All Accounts: 87.93
vs Similar Age Accounts: 95.28
vs Similar Age and WAIR Accounts: 96.10

(no folio)
Title:
Post by: jheizer on April 30, 2017, 11:00:00 PM
from: Edward Reid on May 01, 2017, 03:18:08 AM
Title:
Post by: Rob L on April 30, 2017, 11:00:00 PM
01 May 2017

Combined Returns
Adjusted Net Annualized Return:            7.52%

Weighted Average Interest Rate:           17.42%
Weighted Average Age of Portfolio:        30.6 mos
Number of Notes:                                  9715

A (0.4%) B (6.1%) C(1.6%) D(59.9%) E(31.2%) F(0.7%) G(0.0%)                                 

Term 36(100%) 60(0%)

vs All Accounts: 85.89
vs Similar Age Accounts: 92.87
vs Similar Age and WAIR Accounts: 94.12
Title:
Post by: Lovinglifestyle on April 30, 2017, 11:00:00 PM
01 May 2017

Combined Returns
Adjusted Net Annualized Return:      8.50%

Weighted Average Interest Rate:     18.57%
Weighted Average Age of Portfolio:  40.0 mos
Number of Notes:  5857

A (0.4%)  B (8.5%)  C(11.4%)  D(13.1%)  E(39.6%)  F(19.7%)  G(7.2%)

Term  36(39.1%)  60(60.9%)

vs All Accounts:  90.89
vs Similar Age Accounts:  0.00
vs Similar Age and WAIR Accounts:  0.00
Warning, the chart is slow to generate.
(I waited two minutes, but the 0.00 result didn't change.)

Have not used Folio for 9 weeks.  Am reinvesting in new notes sparingly.

I hope at least half of the people who haven't posted any 2017 returns yet will do so this month.





Title:
Post by: Fred93 on April 30, 2017, 11:00:00 PM
5/1/2017
ANAR 7.81%
WAIR 13.44%
Avg age 17.3
# 7184
Grade A...G  1.4% 28.4% 53.3% 12.9% 3.9% 0% 0%
vs all 87.93%
vs similar age 97.47%
vs similar similar age & WAIR 97.67%
Title:
Post by: hamblingl on April 30, 2017, 11:00:00 PM

5/1/2017
ANAR 6.36%
WAIR 15.7%
Avg age  20.2
# 1,096
Grade A...G  1.6% 12.2% 29.6% 33.2% 14.9% 6.3% 2.2%
vs all 72.97%
vs similar age 86.46%
vs similar similar age & WAIR 87.11%
Title:
Post by: jz451 on April 30, 2017, 11:00:00 PM
Adjusted Net Annualized Return:    11.47%
Weighted Average Interest Rate:    20.93%
Weighted Average Age of Portfolio:    23.79 mos
Number of Notes:    195

Grade
A (0%) B (0%) C (2.5%) D (34.4%) E (41.2%) F (11.4%) G (10.0%)

Term
Payments  36 (0.4%) 60 (99.6%)

vs All Accounts: 97.76
vs Similar Age Accounts: 99.83
vs Similar Age and WAIR Accounts: 100.00
Title:
Post by: lascott on May 01, 2017, 11:00:00 PM
5/1/2017

Placing this here until I get to all this in a couple/few days. (ANARCompare not done yet).  Don't have high hopes for my overall gains (interest - losses) as I watch my 'Adjusted Account Value' on the main LC summary page about every day yoyo up and down about back to the same value over the week. 3 steps forward 3 steps backward as it were.

Some may not realize but you can just cut-n-paste from the LC webpages and this is what it looks like.  Tip For the grades and terms, I start at the right most paren and highlight to the left.

Taxable
Adjusted Net Annualized Return3 ?:   5.39%
Weighted Average Interest Rate:   12.13%
Weighted Average Age of Portfolio:   19.7 mos
Number of Notes:   10,906
A(26.9%) B (27.9%) C(21.3%) D(11.6%) E(8.6%) F(2.3%) G(1.4%)
Payments  36(75.8%) 60(24.2%)

Roth
Adjusted Net Annualized Return3 ?:   5.48%
Weighted Average Interest Rate:   10.90%
Weighted Average Age of Portfolio:   19.8 mos
Number of Notes:   6,074
A(24.1%) B (31.0%) C(25.9%) D(10.2%) E(8.3%) F(0.3%) G(0.2%)
Payments  36(68.3%) 60(31.7%)
Title:
Post by: rubicon on May 01, 2017, 11:00:00 PM
May 01

https://www.lendingclub.com/account/summary.action
ANAR: 10.13% (combined return)
Number of notes: 29446

https://www.lendingclub.com/account/lenderBenchmarkReturns.action
Weighted Average Age of Portfolio: 22.0 months

https://www.lendingclub.com/account/lenderAccountDetail.action
Weighted Average Rate:16.30%
A: 0.3%
B: 4.8%
C: 33.5%
D: 35.4%
E: 19.8%
F: 5.2%
G:  0.9%

36: 87.1%
60: 12.9%
Title:
Post by: jennrod12 on May 01, 2017, 11:00:00 PM
Jennrod12 "buy & hold" account:

Adjusted Net Annualized Return: 3.82% - just awful!
Weighted Average Interest Rate: 13.48%
Weighted Average Age of Portfolio: 18.5 mos
Number of Notes: 200
Number of Active Notes: 140 (40 fully paid, 20 (10%) charged off)


A (1.8%) B (21.6%) C (40.5%) D (24.7%) E (8.2%) F (3.2%) G(0.0%)
Payments  36 (99.0%) 60 (1.0%)

vs All Accounts: 25.46
vs Similar Age Accounts: 32.78
vs Similar Age and WAIR Accounts: 30.86

Thanks for compiling these stats!

Jenn
Title:
Post by: SLCPaladin on May 02, 2017, 11:00:00 PM
As of 5/3/2017:

Adjusted Net Annualized Return:  7.34%
Weighted Average Interest Rate: 14.21%
Weighted Average Age of Portfolio: 25.3 mos
Number of Notes: 6415

Grade
A (13.0%) B (27.8%) C (23.0%)
D (17.2%) E (15.9%) F (2.5%) G (0.6%)

Term
36 (42.7%) 60 (57.3%)

vs All Accounts: 84.59
vs Similar Aged Accounts: 92.22
vs Similar Aged and WAIR Accounts: 91.69
Title:
Post by: Paulie2083 on May 03, 2017, 11:00:00 PM
Quote"> from: Paulie2083 on April 04, 2017, 01:29:03 PM
Title:
Post by: TravelingPennies on May 04, 2017, 11:00:00 PM
Apr'17 (vs Mar'17)
Image: http://i.imgur.com/EorngO4.jpg
Image: http://i.imgur.com/P6fB11B.jpg
Image: http://i.imgur.com/SZ4sHt4.jpg
<snip>
Added ANAR Compare URL to spreadsheet above: http://lc.geekminute.com/Home/ANARCompare
Title:
Post by: TravelingPennies on May 30, 2017, 11:00:00 PM
May 31

https://www.lendingclub.com/account/summary.action
ANAR: 10.10% (combined return)
Number of notes: 31715

https://www.lendingclub.com/account/lenderBenchmarkReturns.action
Weighted Average Age of Portfolio: 23.0 months

https://www.lendingclub.com/account/lenderAccountDetail.action
Weighted Average Rate:16.46%
A: 0.3%
B: 4.8%
C: 31.3%
D: 34.5%
E: 22.0%
F: 5.9%
G:  1.2%

36: 88.3%
60: 11.7%
Title:
Post by: TravelingPennies on May 31, 2017, 11:00:00 PM
2017-06-01

Adjusted Net Annualized Return:   7.76%
Weighted Average Interest Rate:   13.76%
Weighted Average Age of Portfolio:   12.8 mos
Number of Notes:   464

Grade: A(0.4%) B (1.9%) C(96.0%) D(1.6%) E(0.0%) F(0.0%) G(0.0%)
Term: Payments  36(38.9%) 60(61.1%)

vs All Accounts: 86.99
vs Similar Age Accounts: 95.22
vs Similar Age and WAIR Accounts: 96.08

no folio
Title:
Post by: storm on May 31, 2017, 11:00:00 PM
Combined ANAR:  9.28%
Weighted Average Interest Rate:   15.13%
Weighted Average Age of Portfolio:   34.4 mos
Number of Notes:   6,624

A(0.0%) B (9.8%) C(44.6%) D(23.5%) E(17.3%) F(3.7%) G(1.2%)
36(35.5%) 60(64.5)

vs All Accounts: 93.34
vs Similar Age Accounts: 0.00
vs Similar Age and WAIR Accounts: 0.00

XIRR:  9.63%

Draining my account to pay off my mortgage since the bleeding continues...
Title:
Post by: SLCPaladin on May 31, 2017, 11:00:00 PM
As of 6/1/2017:

Adjusted Net Annualized Return:  7.30%
Weighted Average Interest Rate: 14.21%
Weighted Average Age of Portfolio: 26.3 mos
Number of Notes: 6415

Grade
A (12.9%) B (27.7%) C (23.0%)
D (17.3%) E (16.0%) F (2.5%) G (0.6%)

Term
36 (42.4%) 60 (57.6%)

vs All Accounts: 83.69
vs Similar Aged Accounts: 91.72
vs Similar Aged and WAIR Accounts: 90.17

I continue to draw down my account. Moving funds to FDIC-/NCUA-insured 3-5 year CDs.
Title:
Post by: Lovinglifestyle on May 31, 2017, 11:00:00 PM
Combined Adjusted Net Annualized Return 8.48%
Weighted Average Interest Rate:   18.70%
Weighted Average Age of Portfolio: 41.2 mos
Number of Notes: 5,801

A(0.4%) B (5.2%) C(11.5%) D(13.4%) E(41.0%) F(20.7%) G(7.7%)
Payments  36(37.9%) 60(62.1%)

vs All Accounts:
90.78
vs Similar Age Accounts:
0.00
vs Similar Age and WAIR Accounts:
0.00

Am in process of withdrawing 8K more as it accumulates, and sending it back to my short term treasury account to reimburse myself for LC taxes paid.
Title:
Post by: Rob L on May 31, 2017, 11:00:00 PM
As of 6/1/2017:

Combined Adjusted Net Annualized Return:  7.43%
Weighted Average Interest Rate: 17.42%
Weighted Average Age of Portfolio: 31.7 mos
Number of Notes: 9715

Grade
A (0.4%) B (6.0%) C (1.7%)
D (59.8%) E (31.4%) F (0.8%) G (0.0%)

Term
36 (100%) 60 (0%)

vs All Accounts: 85.25
vs Similar Aged Accounts: 0.0
vs Similar Aged and WAIR Accounts: 0.0

My account age is now past the end of the "Understanding Your Returns" chart. But for earth itself I'd have no blue dot.
Withdrew 25% of account value that had built up in cash since 2/16/2017 when I ceased all investments.
No plans to resume. Plan to invest withdrawals in Goldman Sachs.  :)
Title:
Post by: jz451 on June 01, 2017, 11:00:00 PM
Combined Adjusted Net Annualized Return:  10.94%
Weighted Average Interest Rate: 20.6%
Weighted Average Age of Portfolio: 24.46 mos
Number of Notes: 211

Grade
A (0.0%) B (0.0%) C (2.3%)
D (36.5%) E (43.0%) F (10.7%) G (7.4%)

Term
36 (0.3%) 60 (99.7%)

vs All Accounts: 96.91
vs Similar Aged Accounts: 99.83
vs Similar Aged and WAIR Accounts: 100
Title:
Post by: Paulie2083 on June 02, 2017, 11:00:00 PM
Quote"> from: Paulie2083 on May 04, 2017, 03:12:03 AM
Title:
Post by: jasondhsd on June 02, 2017, 11:00:00 PM
Horrible. Just fucking horrible.
Title:
Post by: SeanMCA on June 02, 2017, 11:00:00 PM
Yeah, I have had a net loss over the last 9 months. All my account is doing is eroding all the "gains" booked from the first couple years.

I partially blame the early payoffs. About 40% of my notes have paid off early, depriving me of the interest I expected to earn over the loans' lifetimes from these good borrowers. In many cases, those borrowers paid off after the 12-month mark, meaning that Lending Club also charged me a 1% fee on my own outstanding principal.

Is Lending Club giving the good borrowers a 2nd loan and are a significant percentage of these borrowers using it to pay off their first ones? I believe they are. Thank you Lending Club for sticking me as the investor in the first loans with the resulting losses.
Title:
Post by: apc3161 on June 02, 2017, 11:00:00 PM
from: SeanMCA on June 03, 2017, 12:25:25 PM
Title:
Post by: rawraw on June 03, 2017, 11:00:00 PM
I am making money again but  have had to reduce the size of my portfolio for tax reasons.  Given the stress last year and the size of my taxable account, I need to try to be tax efficient with my losses.  I'm not comfortable using retirement vehicles for my situation, but perhaps I need to start one
Title:
Post by: TravelingPennies on June 03, 2017, 11:00:00 PM
from: rawraw on June 04, 2017, 07:40:16 AM
Title:
Post by: TravelingPennies on June 03, 2017, 11:00:00 PM


from: Rob L on June 04, 2017, 09:37:44 AM
Title:
Post by: jpildis on June 03, 2017, 11:00:00 PM
Combined Adjusted Net Annualized Return:  9.96%
Weighted Average Interest Rate: 20.87%
Weighted Average Age of Portfolio:  20.3 mos
Number of Notes: 3041 (excluding fully paid and charge-offs)

Grade
A (0.0%) B (0.0%) C (0.1%)
D (20.8%) E (47.4%) F (26.6%) G (5.1%)

Term
36 (2.8%) 60 (97.2%)

XIRR = 9.65%

Current (95.89%), IGP (0.92%), 16-30 (0.55%), 31+ (2.59%), default (0.06%)

FICO Trend = Up (79.41%), Flat (4.82%), Down (15.77%)

Can't really do comparisons as over 70% of my portfolio was purchased via Folio.
Title:
Post by: dr.everett on June 03, 2017, 11:00:00 PM
from: SeanMCA on June 03, 2017, 12:25:25 PM
Title:
Post by: Peter on June 03, 2017, 11:00:00 PM
https://www.youtube.com/watch?v=mypHpsSoF8o
Title:
Post by: jennrod12 on June 03, 2017, 11:00:00 PM
Jennrod12 "Buy & Hold" account:

Adjusted Net Annualized Return3 ?:   4.04%
Weighted Average Interest Rate:   13.48%
Weighted Average Age of Portfolio:   19.6 mos
Number of Notes: 200
Number of Active Notes:137

A(1.8%) B (21.7%) C(40.9%) D(24.6%) E(7.8%) F(3.2%) G(0.0%)
Payments  36(99.0%) 60(1.0%)

vs All Accounts: 29.47
vs Similar Age Accounts: 36.98
vs Similar Age and WAIR Accounts: 37.00

Drawing down my accounts (this one and my larger IRA account) as the funds trickle in.

Jenn
Title:
Post by: lascott on June 05, 2017, 11:00:00 PM
...been on a roadtrip. Will be home in 3 or 4 days.
Title:
Post by: TravelingPennies on June 10, 2017, 11:00:00 PM
Made it home but long journey. Hit deer which came through windshield and messed up one of my eyes. Working though the follow up additional doctor visits, surgery scheduling, etc this week. Will be back.
Title:
Post by: SLCPaladin on June 11, 2017, 11:00:00 PM
from: lascott on June 11, 2017, 10:26:50 PM
Title:
Post by: AnilG on June 11, 2017, 11:00:00 PM
I hope you didn't destroy your Tesla. Just kidding  ;D Car can be replaced but life can't. I am glad to read that you survived relatively unscathed.. Hopefully no lasting damage and you will be back in saddle soon. My best wishes for speedy recovery.

from: lascott on June 11, 2017, 10:26:50 PM
Title:
Post by: jheizer on June 11, 2017, 11:00:00 PM
Crap!  Good luck on a quick and full recovery.
Title:
Post by: Rob L on June 11, 2017, 11:00:00 PM
Sorry to hear. Best thoughts for a full and speedy recovery.
Title:
Post by: Lovinglifestyle on June 11, 2017, 11:00:00 PM
So sorry!!  What an ordeal for you!  Hope your procedures and healing go well.  Best wishes.
Title:
Post by: rawraw on June 11, 2017, 11:00:00 PM
from: lascott on June 11, 2017, 10:26:50 PM
Title:
Post by: TravelingPennies on June 12, 2017, 11:00:00 PM
I appreciate that everyone. It has been a lot to process. I'm already antsy to get answers and understand the implications/prognosis for my sight. Very early in the financial implications as well and hope car and health insurance treat us reasonable.  Seeing ophthalmologist soon. Surprising my pain is not severe considering the impact to my eye and eye socket. 
Title:
Post by: TravelingPennies on June 17, 2017, 11:00:00 PM
Oh no!  Just logged in for the first time in a couple of weeks and saw this.  I'll say a prayer for you!

Jenn
Title:
Post by: TravelingPennies on June 17, 2017, 11:00:00 PM
I will work on the updates some today and perhaps tomorrow if I don't finish.  It is a little hard for me to stay focused in multiple senses of that word.

from: AnilG on June 12, 2017, 01:54:16 AM
Title:
Post by: TravelingPennies on June 17, 2017, 11:00:00 PM
Wow.
Title:
Post by: TravelingPennies on June 17, 2017, 11:00:00 PM
May 17 (vs Apr'17)
Image: http://i.imgur.com/Rcz6k4H.jpg
Image: http://i.imgur.com/h9Bk9ee.jpg
Image: http://i.imgur.com/hJKR4JR.jpg
Title:
Post by: TravelingPennies on June 17, 2017, 11:00:00 PM
Wow, looks like the car was a total loss. But I am glad that you and your son survived. Hopefully no lasting damage to the you both.

from: lascott on June 18, 2017, 01:54:14 PM
Title:
Post by: rubicon on June 17, 2017, 11:00:00 PM
glad you're both safe. hope you make a full recovery!
Title:
Post by: jennrod12 on June 24, 2017, 11:00:00 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
Title:
Post by: lascott on June 24, 2017, 11:00:00 PM
from: jennrod12 on June 25, 2017, 05:43:53 PM
Title:
Post by: RomanLegend on June 26, 2017, 11:00:00 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!

Title:
Post by: TravelingPennies on June 29, 2017, 11:00:00 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%
Title:
Post by: TravelingPennies on June 30, 2017, 11:00:00 PM
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%)
Title:
Post by: Lovinglifestyle on June 30, 2017, 11:00:00 PM
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
Title:
Post by: agd on June 30, 2017, 11:00:00 PM
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
Title:
Post by: Rob L on June 30, 2017, 11:00:00 PM
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).
Title:
Post by: Edward Reid on June 30, 2017, 11:00:00 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
Title:
Post by: storm on June 30, 2017, 11:00:00 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%
Title:
Post by: dr.everett on June 30, 2017, 11:00:00 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%)
Title:
Post by: jz451 on July 02, 2017, 11:00:00 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%)

Title:
Post by: Paulie2083 on July 03, 2017, 11:00:00 PM
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
Title:
Post by: TravelingPennies on July 05, 2017, 11:00:00 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
Title:
Post by: jheizer on July 05, 2017, 11:00:00 PM
Compare page is back up
Title:
Post by: Edward Reid on July 07, 2017, 11:00:00 PM
from: jheizer on July 06, 2017, 09:53:26 PM
Title:
Post by: lascott on July 08, 2017, 11:00:00 PM
If I don't get to this today (guest coming over) then I will tomorrow.
Title:
Post by: TravelingPennies on July 08, 2017, 11:00:00 PM
Under the circumstances, I'm sure everyone here will understandyour taking a few more days ... or weeks. Take care of yourself first.
Title:
Post by: Lovinglifestyle on July 08, 2017, 11:00:00 PM
It's amazing that you're still doing this at all.
Title:
Post by: TravelingPennies on July 11, 2017, 11:00:00 PM
Sorry for the extended then additional delay. Some things came up including my home A/C having issues. OK now.

Jun 17 (vs May 17)
Image: http://i.imgur.com/TsvLyLu.jpg
Image: http://i.imgur.com/XVgGZ1c.jpg
Image: http://i.imgur.com/kFTf43x.jpg
<snip>
Title:
Post by: AnilG on July 11, 2017, 11:00:00 PM
When your health gets better, you should consider doing some analysis on the captured data and share your insights. Of course the findings may be biased toward Lake Wobegon residents.

from: lascott on July 12, 2017, 10:56:36 PM
Title:
Post by: TravelingPennies on July 28, 2017, 11:00:00 PM
I have wound down my account from $125K max to $15K now, with 900 active notes. 
Only bought 25 notes this month.  Have not totally quit (yet); buying only 36 mos. now.
Started in 2008. 
Question:  Should I continue to update in this thread or drop out??
Don't want to keep the chart unnecessarily longer than is helpful.
Any input would be appreciated.  Thanks.


Title:
Post by: TravelingPennies on July 28, 2017, 11:00:00 PM
from: Lovinglifestyle on July 29, 2017, 11:49:12 AM
Title:
Post by: TravelingPennies on July 28, 2017, 11:00:00 PM
Thanks very much for your reply.
It's ok to go ahead and drop me off then.
I greatly appreciate all the work you've put into this project!
Title:
Post by: rubicon on July 30, 2017, 11:00:00 PM
Jul 31

ANAR: 10.26% (combined return)
Number of notes: 26328

https://www.lendingclub.com/account/lenderBenchmarkReturns.action
Weighted Average Age of Portfolio: 25.1 months

https://www.lendingclub.com/account/lenderAccountDetail.action
Weighted Average Rate:16.40%
A: 0.1%
B: 4.6%
C: 32.1%
D: 35.5%
E: 21.7%
F: 4.9%
G:  1.1%

36: 91.2%
60: 8.8%


This will be my last update as I'm selling down my portfolio. I'm seeing significant deterioration in returns in certain months this year.



photo host site
Title:
Post by: storm on July 31, 2017, 11:00:00 PM
Combined ANAR:  8.84%
Weighted Average Interest Rate:   15.12%
Weighted Average Age of Portfolio: 36.4 mos
Number of Notes: 6,624

A (0.0%) B (9.6%) C (44.6%) D (23.2%) E (17.6%) F (3.7%) G (1.2%)
36 (34.7%) 60 (65.3%)

vs All Accounts: 92.22
vs Similar Age Accounts: 0.00
vs Similar Age and WAIR Accounts: 0.00

XIRR:  9.53%

Title:
Post by: TravelingPennies on July 31, 2017, 11:00:00 PM
2017-08-01

Adjusted Net Annualized Return:   8.02%
Weighted Average Interest Rate:  13.78%
Weighted Average Age of Portfolio:  14.0 mos
Number of Notes:  492

Grade A (0.4%) B (1.8%) C (96.4%) D (1.5%) E (0.0%) F (0.0%) G (0.0%)
Term Payments  36 (44.4%) 60 (55.6%)

vs All Accounts: 88.92
vs Similar Age Accounts: 97.35
vs Similar Age and WAIR Accounts: 97.72

(no folio)
Title:
Post by: TravelingPennies on July 31, 2017, 11:00:00 PM
ROTH IRA
Adjusted Net Annualized Return3 ?:   5.17%
Weighted Average Interest Rate:   10.90%
Weighted Average Age of Portfolio:   22.4 mos
Number of Notes:   6,456

A (23.7%) B (30.9%) C (25.8%) D (10.4%) E (8.6%) F (0.3%) G (0.3%)
36 (67.4%) 60 (32.6%)

Taxable
Adjusted Net Annualized Return3 ?:   5.26%
Weighted Average Interest Rate:   12.05%
Weighted Average Age of Portfolio:   21.9 mos
Number of Notes:   11,531

A (27.7%) B (28.2%) C (20.8%) D (11.1%) E (8.3%) F (2.3%) G (1.5%)
 36 (76.4%) 60 (23.6%)
Title:
Post by: Rob L on July 31, 2017, 11:00:00 PM
As of 8/1/2017:

Combined Adjusted Net Annualized Return:  7.28%
Weighted Average Interest Rate: 17.42%
Weighted Average Age of Portfolio: 33.7 mos
Number of Notes: 9714

Notes Breakdown: Active: 2847 (29.3%), Fully Paid: 5464 (56.2%), Charged Off: 1403 (14.4%)
Number of Traded Notes: 1348

Grade
A (0.4%) B (6.0%) C (1.7%) D (59.3%) E (31.8%) 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. earth is my blue dot).

--> lascott: hope you are progressing well!
Title:
Post by: jz451 on July 31, 2017, 11:00:00 PM
Been a rough month had a surge for my small account in notes being delinquent.

Combined ANAR:  9.64%
Weighted Average Interest Rate:   20.4%
Weighted Average Age of Portfolio: 26.47 mos
Number of Notes: 214

A (0.0%) B (0.0%) C (2.9%) D (39.3%) E (43.4%) F (9.3%) G (5.1%)
36 (0.2%) 60 (99.8%)

vs All Accounts: 94.69
vs Similar Age Accounts: 99.52
vs Similar Age and WAIR Accounts: 98.73
Title:
Post by: Paulie2083 on August 01, 2017, 11:00:00 PM
unusual to see many people here winding their accounts down at around the same time. i am as well. something in the air maybe?

COMBINED Adjusted Net Annualized Return3 ?:   9.48%
Weighted Average Interest Rate:   19.68%
Weighted Average Age of Portfolio:   11.3 mos
Number of Notes:   1,384

vs All Accounts:
94.27
vs Similar Age Accounts:
98.70
vs Similar Age and WAIR Accounts:
97.42

A (0.0%) B (0.0%) C (1.1%) D (63.6%) E (35.3%) F (0.0%) G (0.0%)
Payments  36 (56.7%) 60 (43.3%)
Title:
Post by: storm on August 01, 2017, 11:00:00 PM
from: Paulie2083 on August 02, 2017, 10:52:32 PM
Title:
Post by: Fred93 on August 02, 2017, 11:00:00 PM
from: storm on August 02, 2017, 11:32:48 PM
Title:
Post by: .Ryan. on August 02, 2017, 11:00:00 PM
from: storm on August 02, 2017, 11:32:48 PM
Title:
Post by: Edward Reid on August 02, 2017, 11:00:00 PM
from: Fred93 on August 03, 2017, 01:18:25 AM
Title:
Post by: TravelingPennies on August 02, 2017, 11:00:00 PM
from: .Ryan. on August 03, 2017, 10:28:17 AM
Title:
Post by: TravelingPennies on August 02, 2017, 11:00:00 PM
from: storm on August 03, 2017, 02:39:26 PM
Title:
Post by: Rob L on August 03, 2017, 11:00:00 PM
from: .Ryan. on August 03, 2017, 09:13:21 PM
Title:
Post by: arcee49 on August 03, 2017, 11:00:00 PM
What is CANAR?  I haven't seen that defined anywhere on LC or on this forum.  It seems to have just appeared randomly in this thread...
Title:
Post by: SLCPaladin on August 03, 2017, 11:00:00 PM
from: arcee49 on August 04, 2017, 12:23:39 PM
Title:
Post by: TravelingPennies on August 03, 2017, 11:00:00 PM
from: .Ryan. on August 03, 2017, 09:13:21 PM
Title:
Post by: TravelingPennies on August 03, 2017, 11:00:00 PM
from: SLCPaladin on August 04, 2017, 01:26:19 PM
Title:
Post by: TravelingPennies on August 03, 2017, 11:00:00 PM
from: Fred93 on August 04, 2017, 02:11:40 PM
Title:
Post by: TravelingPennies on August 03, 2017, 11:00:00 PM
from: .Ryan. on August 04, 2017, 04:33:37 PM
Title:
Post by: storm on August 03, 2017, 11:00:00 PM
I think we conceded early on in this thread that LC's ANAR was not very accurate, but it is right there when you log in.  It doesn't depend on my bad math and Excel skills.  It is quick to change when returns go up or down though.  XIRR is very slow to show a trend change.  Calculating simple interest from month to month doesn't factor in compounding.  There are pros and cons to all these calculations.  Keep that in mind when judging the numbers.

There are some 2%+ CDs out there.  Probably not a wise idea to lock up money right now if the Fed keeps raising rates.  I agree that the stock market is likely to meet some resistance before going any higher.  Some ETFs like VCLT (Vanguard investment-grade long-term corporate bonds) are paying 4% annualized monthly dividends if you buy and hold and ignore the share price fluctuations.  Not too shabby if you are looking to diversify unless I'm missing something.
Title:
Post by: Rob L on August 03, 2017, 11:00:00 PM
Quote"> from: arcee49 on August 04, 2017, 02:27:11 PM
Title:
Post by: lascott on August 06, 2017, 11:00:00 PM
Jul 17 (vs Jun 17)
Image: http://i.imgur.com/XOd8naD.jpg
Image: http://i.imgur.com/Jm3Ab9Z.jpg
Image: http://i.imgur.com/XAGzv6k.jpg


Title:
Post by: arcee49 on August 06, 2017, 11:00:00 PM
from: Rob L on August 04, 2017, 07:19:30 PM
Title:
Post by: SLCPaladin on August 06, 2017, 11:00:00 PM
Quote
Title:
Post by: Edward Reid on September 01, 2017, 11:00:00 PM
2017-09-02

Adjusted Net Annualized Return:   7.44%
Weighted Average Interest Rate:   13.80%
Weighted Average Age of Portfolio:   14.6 mos
Number of Notes:   502

Grade: A (0.4%) B (1.7%) C (96.5%) D (1.4%) E (0.0%) F (0.0%) G (0.0%)
Term: Payments  36 (46.3%) 60 (53.7%)

vs All Accounts: 88.72
vs Similar Age Accounts: 97.31
vs Similar Age and WAIR Accounts: 97.70

(no folio)
Title:
Post by: Paulie2083 on September 01, 2017, 11:00:00 PM
Quote"> from: Paulie2083 on August 02, 2017, 10:52:32 PM
Title:
Post by: jennrod12 on September 02, 2017, 11:00:00 PM
Jennrod12 "buy & hold" account - I missed last month, sorry about that!

Adjusted Net Annualized Return: 3.73%
Weighted Average Interest Rate:   13.48%
Weighted Average Age of Portfolio:   22.6 mos
Number of Notes:   200
Number of Active Notes:   126

A(1.2%) B (21.2%) C(41.2%) D(25.3%) E(8.4%) F(2.6%) G(0.0%)
Payments  36(98.8%) 60(1.2%)

vs All Accounts:  36.87
vs Similar Age Accounts:  38.53
vs Similar Age and WAIR Accounts:  36.71

Not much action in this account these days, other than continuing monthly payments and early payoffs.  However, the return is down to "3.73%" on the Lending Club landing page.  23 of the original 200 loans have charged off, 51 have paid off  (22 mos average age).  I'm also holding in my much larger IRA account, and haven't re-invested any this year, charge-offs keep piling up there (account opened late 2015, at the worst time, I know, but I put money into it through 2016 and never saw any improvement, so I've stopped).

Thanks,

Jenn
Title:
Post by: TravelingPennies on September 03, 2017, 11:00:00 PM
As of 9/1/2017:

Combined Adjusted Net Annualized Return:  7.16%
Weighted Average Interest Rate: 17.42%
Weighted Average Age of Portfolio: 34.8 mos
Number of Notes: 9714

Notes Breakdown: Active: 2639 (27.2%), Fully Paid: 5627 (57.9%), Charged Off: 1448 (14.9%)
Number of Traded Notes: 1348

Grade
A (0.4%) B (6.0%) C (1.7%) D (59.2%) E (31.8%) F (0.9%) G (0.0%)

Term
36 (100%) 60 (0%)

Weighted Average Age is now past the end of the "Understanding Your Returns" chart (i.e. earth is my blue dot).
Title:
Post by: TravelingPennies on September 03, 2017, 11:00:00 PM
As of 9/4/2017:

Adjusted Net Annualized Return:  7.04%
Weighted Average Interest Rate: 14.21%
Weighted Average Age of Portfolio: 29.4 mos
Number of Notes: 6415

Grade
A (12%) B (27.1%) C (23.2%)
D (17.6%) E (16.8%) F (2.6%) G (0.7%)

Term
36 (41.1%) 60 (58.9%)

vs All Accounts: 86.49
vs Similar Aged Accounts: 92.89
vs Similar Aged and WAIR Accounts: 92.75

My blue dot is almost off the chart now.
Title:
Post by: Lovinglifestyle on September 03, 2017, 11:00:00 PM
As of 9/4/2017:

Combined Net Adjusted Annualized Return:  8.36%
Weighted Average Interest Rate:                18.93%
Weighted Average Age of Portfolio:             45.6 mos
Number of Notes:  5435

Notes Breakdown:  Active: 885; Fully Paid: 4221; Charged Off: 328                               
Number of Traded Notes:  6786 (3.70 ANAR)

Grade:
A(0.6%) B (1.9%) C(5.3%) D(11.1%) E(47.3%) F(24.2%) G(9.6%)

Term:
36(41.2%) 60(58.8%)

vs All Accounts: 92.90

Am still winding down, mostly for tax reasons and common sense re net returns vs. effort.

Title:
Post by: TravelingPennies on September 11, 2017, 11:00:00 PM
Sorry for the delay. Thanks for stories/input. Will continue this until end of year (Jan for Dec numbers). I have another surgery very early next month so not quite sure of the delay in updates but you can provide your numbers.

Aug 17 (vs Jul 17)
Image: https://i.imgur.com/rRVuMeS.jpg
Image: https://i.imgur.com/SLhL0so.jpg
Image: https://i.imgur.com/PhDemyT.jpg


Title:
Post by: TravelingPennies on September 11, 2017, 11:00:00 PM
I hope your next surgery takes care of whatever that problem is.  Waiting for surgeries is awful.  Hope you're nearing the end of them, successfully.  I empathize. Thank you for the chart this month.
Title:
Post by: TravelingPennies on September 11, 2017, 11:00:00 PM
from: Lovinglifestyle on September 12, 2017, 05:16:22 PM
Title:
Post by: twigster on September 16, 2017, 11:00:00 PM
2017-09-17

Adjusted Net Annualized Return:   6.73%
Weighted Average Interest Rate:   12.20%
Weighted Average Age of Portfolio:   20.7 mos
Number of Notes:   3793

Grade: A (37.7%) B (2.4%) C (35.6%) D (17.6%) E (6.5%) F (.2%) G (.1%)
Term: Payments  36 (46.3%) 60 (53.7%)

vs All Accounts: 84.95
vs Similar Age Accounts: 96.43
vs Similar Age and WAIR Accounts: 95.61

_______________________________________________________________
I continue converting to grade A loans since December of 2016.  So now I am buying just A loans and started with zero in December.  Out of 1100 loans so far 1 has charged off and there are 3 which are headed that way.  In the meantime my returns have been negative or about zero for the past few months as there are a lot of charge off on the other loans.  Looks fairly dismal but still waiting to see how it goes with the new A loans. 

lascott:  good luck on the surgery. 
Title:
Post by: Edward Reid on September 29, 2017, 11:00:00 PM
lc.geekminute.com is down.
Title:
Post by: Rob L on September 30, 2017, 11:00:00 PM
As of 10/1/2017:

Combined Adjusted Net Annualized Return:  7.09%
Weighted Average Interest Rate: 17.42%
Weighted Average Age of Portfolio: 35.7 mos
Number of Notes: 9714

Notes Breakdown: Active: 2505 (25.8%), Fully Paid: 5721 (58.9%), Charged Off: 1488 (15.3%)
Number of Traded Notes: 1348

Grade
A (0.4%) B (6.0%) C (1.7%) D (59.0%) E (32.0%) F (0.9%) G (0.0%)

Term
36 (100%) 60 (0%)

Weighted Average Age is now past the end of the "Understanding Your Returns" chart (i.e. earth is my blue dot).

lascott .. hope you are doing well!
Title:
Post by: Lovinglifestyle on September 30, 2017, 11:00:00 PM

Primary Adjusted Net Annualized Return: 13.92%
Weighted Average Interest Rate:   18.58%
Weighted Average Age of Portfolio: 48.3 mos
Number of Notes: 5,142

Notes Breakdown:  Active: 556.  Fully paid: 4247.  Charged off: 339
Traded:  7091
Traded ANAR: 3.58%
Combined ANAR: 8.13%


Grade
A (0.8%) B (2.7%) C (6.8%) D (12.4%) E (47.3%) F (21.2%) G (8.9%)

Term
36(35.9%) 60(64.1%)

Am still withdrawing my accumulated interest while it's still there.  I doubt that LC has any intention of doing any of the things that might make me change my mind.

lascott:  Best wishes for your continued recovery!
Title:
Post by: jheizer on September 30, 2017, 11:00:00 PM
from: Edward Reid on September 30, 2017, 10:44:13 PM
Title:
Post by: storm on September 30, 2017, 11:00:00 PM
Combined ANAR: 8.37%
Weighted Average Interest Rate:   15.05%
Weighted Average Age of Portfolio:   38.3 mos
Number of Notes:   6,657

Grades A (0.0%) B (11.2%) C (44.9%) D (22.0%) E (17.2%) F (3.6%) G (1.1%)
Payments  36 (36.6%) 60 (63.4%)

XIRR:  8.78%
Trailing 12 month (TTM) XIRR:  3.07%

Sold off a bunch of late loans and invested in a few new loans.
Title:
Post by: lascott on October 02, 2017, 11:00:00 PM
Aside: lascott .. hope you are doing well!  ; lascott:  Best wishes for your continued recovery! --- started the recovery yesterday, and happy to be home in my own bed tonight.

Taxable:
Adjusted Net Annualized Return3 ?:   5.07%
Weighted Average Interest Rate:   12.05%
Weighted Average Age of Portfolio:   23.9 mos
Number of Notes:   11,537

A (27.1%) B (27.9%) C (20.7%) D (11.6%) E (8.6%) F (2.5%) G (1.5%)
36 - 75.5

ROTH IRA:
Adjusted Net Annualized Return3 ?:   4.86%
Weighted Average Interest Rate:   10.86%
Weighted Average Age of Portfolio:   23.8 mos
Number of Notes:   6,843

A (24.9%) B (31.1%) C (24.6%) D (10.3%) E (8.5%) F (0.4%) G (0.3%)
36 - 67.9
Title:
Post by: Paulie2083 on October 03, 2017, 11:00:00 PM
Adjusted Net Annualized Return3 ?:   8.61
Weighted Average Interest Rate:   19.80%
Weighted Average Age of Portfolio:   13.4 mos
Number of Notes:   1,163

Payments  36 (52.1%) 60 (47.9%)
A (0.0%) B (0.0%) C (1.2%) D (60.5%) E (38.3%) F (0.0%) G (0.0%)

anar is down, ill edit later.
Title:
Post by: TravelingPennies on October 16, 2017, 11:00:00 PM
Sorry for the delay again. Will continue this until end of year (Jan for Dec numbers).  Aside: My surgery went pretty well but unfortunately I'll need a follow up one in another in 3-4 months. Overall I'm doing OK.

Sept 17 (vs Aug 17)
Image: https://i.imgur.com/EEi739B.jpg
Image: https://i.imgur.com/s8puECM.jpg
Image: https://i.imgur.com/Zk1VSGX.jpg
<snip>
Title:
Post by: TravelingPennies on October 31, 2017, 11:00:00 PM
2017-11-01

Adjusted Net Annualized Return:    7.68%
Weighted Average Interest Rate:    13.81%
Weighted Average Age of Portfolio:    15.4 mos
Number of Notes: 528

Grade: A (0.3%) B (1.6%) C (97.1%) D (1.0%) E (0.0%) F (0.0%) G (0.0%)
Term: Payments  36 (50.5%) 60 (49.5%)

vs All Accounts: 93.60
vs Similar Age Accounts: 98.66
vs Similar Age and WAIR Accounts: 98.94

(no folio)

2017-10-01 (since I never got around to posting it)

Adjusted Net Annualized Return:    7.60%
Weighted Average Interest Rate:    13.80%
Weighted Average Age of Portfolio:    15.1 mos
Number of Notes:    512

Grade: A (0.4%) B (1.6%) C (96.7%) D (1.3%) E (0.0%) F (0.0%) G (0.0%)
Term: Payments  36 (48.2%) 60 (51.8%)

vs All Accounts: 93.17
vs Similar Age Accounts: 98.31
vs Similar Age and WAIR Accounts: 98.58

(no folio)
Title:
Post by: TravelingPennies on October 31, 2017, 11:00:00 PM
Taxable:
Adjusted Net Annualized Return3 ?:   5.04%
Weighted Average Interest Rate:   12.05%
Weighted Average Age of Portfolio:   24.9 mos
Number of Notes:   11,537
A (26.6%) B (27.6%) C (20.8%) D (11.8%) E (8.9%) F (2.6%) G (1.6%)
36 - 74.9%
vs All Accounts: 68.60
vs Similar Age Accounts: 71.78
vs Similar Age and WAIR Accounts: 67.85

ROTH IRA:
Adjusted Net Annualized Return3 ?:   4.82%
Weighted Average Interest Rate:   10.86%
Weighted Average Age of Portfolio:   24.8 mos
Number of Notes:   6,843
A (24.3%) B (30.9%) C (24.8%) D (10.6%) E (8.8%) F (0.4%) G (0.3%)
36 - 66.8%
vs All Accounts: 65.14
vs Similar Age Accounts: 67.19
vs Similar Age and WAIR Accounts: 58.20
Title:
Post by: TravelingPennies on November 01, 2017, 11:00:00 PM
As of 11/1/2017:

Combined Adjusted Net Annualized Return:  7.00%
Weighted Average Interest Rate: 17.42%
Weighted Average Age of Portfolio: 36.8 mos
Number of Notes: 9714

Notes Breakdown: Active: 2332 (23.2%), Fully Paid: 5853 (60.9%), Charged Off: 1529 (15.9%)
Number of Traded Notes: 1348

Grade
A (0.4%) B (5.8%) C (1.7%) D (58.8%) E (32.3%) F (0.9%) G (0.0%)

Term
36 (100%) 60 (0%)

Weighted Average Age is now past the end of the "Understanding Your Returns" chart (i.e. earth is my blue dot).
Title:
Post by: SLCPaladin on November 01, 2017, 11:00:00 PM
As of 11/2/2017:

Adjusted Net Annualized Return:  6.92%
Weighted Average Interest Rate: 14.21%
Weighted Average Age of Portfolio: 31.4 mos
Number of Notes: 6415

Grade
A (11.3%) B (26.8%) C (23.4%)
D (17.8%) E (17.2%) F (2.7%) G (0.7%)

Term
36 (40.6%) 60 (59.4%)

For me it's the same old, same old. I continue to draw down my account. At this point I'm kicking myself that I have so many 5-year notes. This is taking forever.
Title:
Post by: TravelingPennies on November 01, 2017, 11:00:00 PM
from: Paulie2083 on October 04, 2017, 03:14:09 PM
Title:
Post by: .Ryan. on November 02, 2017, 11:00:00 PM
Paulie, not to hijack the thread, but I'm curious, are you still net positive month to month? You're a lot heavier on the D/E loans than I am, and I am wondering if that is working out for you....
Title:
Post by: finopp on November 06, 2017, 12:00:00 AM
Hello. I have been reading discussions on this forum for a long time and learning but not contributing, so I want to thank you all for conversing here. Fred93, I think I've read your stuff for the longest. Perhaps I remember your moniker because the funny head shot icon stuck in my memory, but also I think I remember seeing "Fred93" in questions that we used to be able to ask borrowers back in the day, but perhaps my memory is deceiving me. In tech-time, that was eons ago. Others of you have also been helpful. Anyway, I've never had the benefit of actually talking (audibly or in person) to anyone to learn more about online lending, so I've been learning as I go, in part from reading you guys on this forum.

As you all have been so kind to share your Returns page numbers, I'll add to the discussion with one of my accounts (below). I have three. All have been profitable, except no more of those nice double-digits we had in the good ole days :-). In one, I experimented with mostly C loans, $5000 principle, and after two years that is at about 6.4%, which I think is nothing to complain about. Still, I've decided to empty it and shift that amount into secured loans on one of the real estate online lenders. The other two accounts and Prosper I'm keeping, but not adding anything to them.

Figuring ROI has been a challenge for me. I don't know how to XIRR and such, so each month I just take the net, x 12, ÷ the previous month's balance. If I made a deposit, sometimes I subtract the amount of money not yet at work. At the end of the year, I average my monthly ROI to arrive at the yearend. If I made no deposits or withdrawals, then I do it the easiest way with CAGR.

Again, thank you all.


As of 11/6/2017:

Adjusted Net Annualized Return:  7.47%
Weighted Average Interest Rate: 12.86%
Weighted Average Age of Portfolio: 50.6 mos
Number of Notes: 909

Grade
A (1.4%) B (53.7%) C (29.9%)
D (9.2%) E (5.7%) F (0.0%) G (0.0%)

Term
36 (55.3%) 60 (44.7%)


Title:
Post by: lascott on November 09, 2017, 12:00:00 AM
Will continue this until end of year (Jan for Dec numbers)

Oct 17 (vs Sept 17)
Image: https://i.imgur.com/UM8BlbB.jpg
Image: https://i.imgur.com/f0hSwUC.jpg
Image: https://i.imgur.com/8S3wmLw.jpg


Title:
Post by: Edward Reid on November 30, 2017, 12:00:00 AM
Scott, do you just think it's not worth continuing, or do you need someone else to take on the load? I'm not sure I could volunteer -- lots of things on my plate -- but I could think about it. Even with the small number of reports, it's been useful for me to see where I fit into the set of investors.

Edward

2017-12-01

Adjusted Net Annualized Return: 8.22%
Weighted Average Interest Rate: 13.82%
Weighted Average Age of Portfolio: 16.0 mos
Number of Notes: 544

Grade: A (0.3%) B (1.5%) C (97.2%) D (1.0%) E (0.0%) F (0.0%) G (0.0%)
Term: Payments 36 (51.0%) 60 (49.0%)

vs All Accounts: 95.01
vs Similar Age Accounts: 99.22
vs Similar Age and WAIR Accounts: 99.59
Title:
Post by: Lovinglifestyle on November 30, 2017, 12:00:00 AM
Adjusted Net Annualized Return:   13.87%
Weighted Average Interest Rate:   18.51%
Weighted Average Age of Portfolio:   50.8 mos
Number of Notes:   5,061

Combined Return
Adjusted Net Annualized Return 8.11%

A(1.0%) B (3.2%) C(6.6%) D(11.0%) E(47.4%) F*** (21.1%) G*** (9.8%)
Payments  36(28.7%) 60(71.3%)

Your Portfolio

vs All Accounts:
94.53
vs Similar Age Accounts:
0.00
vs Similar Age and WAIR Accounts:
0.00
Title:
Post by: Rob L on December 01, 2017, 12:00:00 AM
As of 12/1/2017:

Combined Adjusted Net Annualized Return:  6.97%
Weighted Average Interest Rate: 17.42%
Weighted Average Age of Portfolio: 37.8 mos
Number of Notes: 9714

Notes Breakdown: Active: 2192 (22.6%), Fully Paid: 5947 (61.2%), Charged Off: 1575 (16.2%)
Number of Traded Notes: 1348

Grade
A (0.5%) B (5.8%) C (1.8%) D (58.4%) E (32.5%) F (1.0%) G (0.0%)

Term
36 (100%) 60 (0%)

Weighted Average Age is now past the end of the "Understanding Your Returns" chart (i.e. earth is my blue dot).
Title:
Post by: TravelingPennies on December 01, 2017, 12:00:00 AM
from: Edward Reid on November 30, 2017, 10:00:37 AM
Title:
Post by: TravelingPennies on December 16, 2017, 12:00:00 AM
Thought this portfolio might be worthy of inclusion in this thread because it's pretty unique and the thread won't be active much longer. Somewhere along the line I told my nephew about my LC investment and from time to time he'd ask me how things were going. In April 2016 he decided to open a small LC account and asked I help him buy the initial notes and reinvest payments. I did using the same auto-invest software that I was using myself. The first notes were purchased on 4/15/2016. Barely a month later the LC scandal broke and we both stopped reinvestment. His last note was purchased 5/13/2016 and he never resumed reinvestment. The account has been winding down ever since. So, rather remarkably, this portfolio provides 1 month 16Q2 snapshot in time of D & E note performance bought just before the scandal. The jury is still out, but 16Q2 may have been the worst vintage ever. If you decide to include in the spreadsheet use the handle bobbyv but it's probably not worth the effort. The timing of it all is both ironic and spooky.

As of 12/1/2017:

Adjusted Net Annualized Return:  2.66%
Weighted Average Interest Rate: 19.34%
Weighted Average Age of Portfolio: 19.8 mos
Number of Notes: 544

Notes Breakdown: Active: 302 (55.5%), Fully Paid: 159 (29.2%), Charged Off: 83 (15.3%)
Number of Traded Notes: 0

Grade
A (0.0%) B (0.0%) C (0.0%) D (63.0%) E (37.0%) F (0.0%) G (0.0%)

Term
36 (100%) 60 (0%)

vs All Accounts:
28.76
vs Similar Age Accounts:
40.84
vs Similar Age and WAIR Accounts:
67.87

Chargeoffs as a percent of interest received this year is 116.8%.
My fading hope is that he will come out even in the end.

Title:
Post by: TravelingPennies on January 01, 2018, 12:00:00 AM
Final report. Thanks, Scott, for doing this. I agree with your reasons for winding it down. In its time, the thread helped me understand the variety of P2P investors, and where I fit (and don't fit) with other categories. It also got me starting tracking this relatively simple set of numbers, which I find useful since LC statements are poor at summarizing, and I intend to continue this collection for myself. Cheers!

Edward

2018-01-01

Adjusted Net Annualized Return:     8.16%
Weighted Average Interest Rate:    13.82%
Weighted Average Age of Portfolio: 16.4 mos
Number of Notes:    555

Grade A (0.3%) B (1.4%) C (97.3%) D (1.0%) E (0.0%) F *** (0.0%) G *** (0.0%)
Term Payments  36 (52.5%) 60 (47.5%)

vs All Accounts: 93.96
vs Similar Age Accounts: 99.12
vs Similar Age and WAIR Accounts: 99.27

No folio
Title:
Post by: TravelingPennies on January 01, 2018, 12:00:00 AM
from: Edward Reid on January 01, 2018, 11:18:53 AM
Title:
Post by: storm on January 01, 2018, 12:00:00 AM
Thank you, lascott, for crunching these numbers.  I hope you and everyone else here has a much happier new year!!!

Combined ANAR:  8.31%
Weighted Average Interest Rate:   15.00%
Weighted Average Age of Portfolio: 40.9 mos
Number of Notes: 6,768
A (0.0%) B (13.0%) C (44.0%) D (21.2%) E (17.2%) F *** (3.5%) G *** (1.0%)
Payments  36 (38.4%) 60 (61.6%)

vs All Accounts: 94.56%
vs Similar Age Accounts: 0.00
vs Similar Age and WAIR Accounts: 0.00

XIRR:  8.74%
XIRR trailing twelve months:  2.42%
Title:
Post by: TravelingPennies on January 01, 2018, 12:00:00 AM
As of 1/1/2018:

Combined Adjusted Net Annualized Return:  6.96%
Weighted Average Interest Rate: 17.42%
Weighted Average Age of Portfolio: 38.8 mos
Number of Notes: 9714

Notes Breakdown: Active: 2081 (21.4%), Fully Paid: 6021 (62.0%), Charged Off: 1612 (16.6%)
Number of Traded Notes: 1348

Grade
A (0.5%) B (5.7%) C (1.9%) D (58.1%) E (32.8%) F (1.0%) G (0.0%)

Term
36 (100%) 60 (0%)

Weighted Average Age is now past the end of the "Understanding Your Returns" chart (i.e. earth is my blue dot).

Thanks for putting in the work!
"This is Ripley, last survivor of the Nostromo, signing off".  :'(
Title:
Post by: TravelingPennies on January 01, 2018, 12:00:00 AM
Your Notes purchased on the Lending Club platform
Adjusted Net Annualized Return:   13.87%
Weighted Average Interest Rate:   18.48%
Weighted Average Age of Portfolio:   52.1 mos
Number of Notes:   5,033

Combined Return:
Adjusted Net Annualized Return 8.12%

Traded Notes
Combined Return
Adjusted Net Annualized Return 3.71%
7204 Traded Notes

Grade: A(1.0%) B (3.4%) C(6.8%) D(10.8%) E(46.9%) F*** (21.3%) G*** (9.9%)
Term: 36(25.2%) 60(74.8%)

Notes Breakdown:
My Notes at-a-Glance 5033
Not Yet Issued 0
Issued & Current 368
In Grace Period 1
Fully Paid 4,322
Late 16 - 30 Days 0
Late 31 - 120 Days 1
Default 0
Charged Off 341

vs All Accounts:
94.03
vs Similar Age Accounts:
0.00
vs Similar Age and WAIR Accounts:
0.00

Thank you for all your work lascott, and Happy New Year! 
Title:
Post by: SLCPaladin on January 02, 2018, 12:00:00 AM
As of 1/2/2018:

Adjusted Net Annualized Return:  6.83%
Weighted Average Interest Rate: 14.21%
Weighted Average Age of Portfolio: 33.4 mos
Number of Notes: 6415

Grade
A (10.7%) B (26.2%) C (23.6%)
D (18.1%) E (17.8%) F (2.9%) G (0.8%)

Term
36 (39.8%) 60 (60.2%)

Side note: My blue dot finally made it off the "Understanding Your Returns" chart. Yay!
Title:
Post by: TravelingPennies on January 06, 2018, 12:00:00 AM
Will get to end of year soon.  I didn't realize I had missed Nov!

Nov 17 (vs Oct 17)
Image: https://i.imgur.com/n358Pzn.jpg
Image: https://i.imgur.com/hc7CHKX.jpg
Image: https://i.imgur.com/4Qx2tRG.jpg


Title:
Post by: TravelingPennies on January 06, 2018, 12:00:00 AM
from: Edward Reid on January 01, 2018, 11:18:53 AM
Title:
Post by: jennrod12 on January 06, 2018, 12:00:00 AM
Did I miss the last one?  I have to apologize for not being as diligent the past few months since I've been letting my accounts wind down.  Here's my report, but if it's too late to get added, that's fine.  Thanks for all the fun posts!

Jennrod12 "Buy & Hold" account:

Adjusted Net Annualized Return:   3.36%
Weighted Average Interest Rate:   13.48%
Weighted Average Age of Portfolio:   26.8 mos
Number of Notes:   200
Number of Active notes: 116

A(1.2%) B (18.7%) C(40.9%) D(27.1%) E(9.5%) F*** (2.6%) G*** (0.0%)
Payments  36(98.3%) 60(1.7%)

vs All Accounts:38.29
vs Similar Age Accounts:34.64
vs Similar Age and WAIR Accounts:33.30

Jenn