P2P Forum
Lending Club Discussion => Investors  LC => Topic started 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:

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.

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 cutnpaste 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/percentilecalculator
Term and Grade composition: https://www.lendingclub.com/account/lenderAccountDetail.action
Understanding Your Returns %s: https://www.lendingclub.com/account/lenderBenchmarkReturns.action#whatarenar
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#whatarenar
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/returns2015q2/]
[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]

@lascott : curious, why are you going more conservative?

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 nonperforming loans.


Here are mine:




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

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.



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.

Update spreadsheet. Sorry, Storm, I guess could have ran those numbers myself.
Image: http://i.imgur.com/ZxRnIPa.png
<snip>

Hey everyone, thanks to all who contributed! If we keep this up we can get a very nice chart going.
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!



Here's mine... I do a fair amount of folio selling

You have a huge risk appetite lol





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/returns2015q2/
Image: http://i.imgur.com/IjxnqNi.png
<snip>

Lascott  my combined return is 16.45%... the 17=% is only my nontraded return.


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.


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%


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.

I'm finally on my home computer. I've increased my risk profile slightly lately





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?



Here are mine. I hope this includes everything for you.


Cut and paste. Tell me if I left something out.
Combined Return
Adjusted Net Annualized Return 10.50%
My Notes ataGlance 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
TermGrade
A(0.5%) B (8.7%) C(10.7%) D(11.6%) E(47.3%) F(15.9%) G(5.2%)
Composition ** ( $ )
TermGrade
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

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


White Paper was a PDF file. Another one in understanding intricacies of NAR behavior
https://www.lendingclub.com/public/aboutnar.action


Anil,
1.)
Please see: http://blog.nsrplatform.com/2014/01/nickelsteamroller20/ 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/demandandcreditprofile.action
Please be mindful before attacking others and calling their methodology a "POS"
Michael

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%

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 "overpaying".

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>

Got a few LC accounts. This one has the most notes. Hope this helps!
Thinley

"Focused" portfolio.


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%



Finally hit the 3 month mark weighted which tool a while to load in my $100k test. Here are the results so far


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


http://screencast.com/t/c4n1STpWbR Here is mine!
No Folio


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,


Understood. Must have done it too quickly and messed up the A. Love what you are doing!!!

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


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%.

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.


out of town. back sunday. will update then

Did you overlook my update message?


20160701
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.

Here is my Q2 understanding returns: http://screencast.com/t/jpunMvtyh. It has been a rough quarter.

Here are my numbers, I should have posted yesterday before I got 2 new chargeoffs (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

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>

722016
(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

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

Lovinglifestyle, the data from the understanding returns chart is being used and it only goes to 30 months average age.


I will make final June (vs May) updates tonight in case others want to get their updates in. Pretty interesting month of changes!

June (vs May)
Image: http://i.imgur.com/5383gSM.png
Image: http://i.imgur.com/NN9ZBVg.png

Update as of 782016
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

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

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

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%

PennySaved Taxable 71016
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.



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

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%



here's my screenshot


yes I definitely expect returns to moderate as the portfolio ages further.

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.

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

20160801
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

20160801
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

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.

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

Sorry, just got back from a roadtrip. Will update the spreadsheet tonight or tomorrow morning.

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

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.


Is there another tool to use now? It appears that http://lc.geekminute.com/Home/ANARCompare is down...




Will update my info soon... Currently my ANAR is ~2% less for all accounts.

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

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

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%)



August (vs July)
Image: http://i.imgur.com/wmTdx7E.png
Image: http://i.imgur.com/GPlpZmx.png
<snip>

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.
20160908
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



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



Are you also selling some?



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

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



Also interested!

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%



Last I checked there was like 51k dots. Just to give an idea just how many are missing.


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?




** 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 nonupdaters 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>

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
WAIRANAR 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

Updates for my accounts attached

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 ataGlance 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

Updated the 3 folks above (5 accounts)
Sept (vs August)
Image: http://i.imgur.com/pq3ljLm.png
Image: http://i.imgur.com/ovzWBuX.png


20161101
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


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

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%

I'm leaving on another trip soon. Will do updates tomorrow (Thu) afternoon/evening.

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

Oct (vs Sept)
Image: http://i.imgur.com/tWWGNvA.png
Image: http://i.imgur.com/pEx5fY6.png
<snip>

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


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

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%

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%

20161201
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

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%

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

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


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

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

This is my first time reporting after crossing the 6month 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

Nov (vs Oct)
Image: http://i.imgur.com/JAQ98Jb.png
Image: http://i.imgur.com/by95kVM.png



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

Updated stats for my accounts let me know if I missed anything?

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%

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%

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 reinvesting all payments in A notes went from 0% to 4.3% in just under a month.

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.

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%

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

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

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!!

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

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.

20170101
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


My update: https://docs.google.com/spreadsheets/d/1vIWsPi5fb3YTo_H3aOnIppxyypQkBZW90HpBcLXLjVo/edit?usp=sharing

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.

See my signature.

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
WAIRANAR 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


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.

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 nonactive 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.

Dec (vs Nov)
Image: http://i.imgur.com/PjSByrf.png
Image: http://i.imgur.com/u9gOUYf.png
<snip>


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.

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.


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.


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.


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...


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%

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

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

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.

20170201
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

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

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

If anyone has updates of Jan, please get them in. I will update the spreadsheet over the weekend. Thx

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

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%

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%


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 DE range, and have another $2500 I might be moving into my account in the coming months.

Jan'17 (vs Dec'16)
Image: http://i.imgur.com/6MMK1oQ.jpg
Image: http://i.imgur.com/Fg98D4r.jpg

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

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%

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


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

20170301
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)

Woops how did I miss that. Also good thing I'm reposting as the ANAR didn't get updated last night.
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

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:

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
WAIRANAR 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.

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

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

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

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

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

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%)

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

I will update this tomorrow. No new accounts are being added at this time. We have a pretty good representation.

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

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>

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.

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?

Use: Replacement to P2P Quant's Percentile Tool http://lc.geekminute.com
Courtesy of Jon



Great new chart! Thank you!

NO no no, it is a depressing chart.

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

Anyone have the link to the percentile calculator?


Doesn't load:
"502 Bad Gateway
nginx/1.10.0 (Ubuntu)"

Try now. My server has been acting weird today.

Excellent! Thanks



bah, no. Its broke. I'll look at it tonight/this weekend.

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.


Yeah I saw that after I had updated and replied here. History page isn't updating either. I'll look at it eventually.

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%

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%

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

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 reinvestment.

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

20170401
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)

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.

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

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

https://docs.google.com/spreadsheets/d/1vIWsPi5fb3YTo_H3aOnIppxyypQkBZW90HpBcLXLjVo/edit?usp=sharing

I'll will probably update this tomorrow. BTW, LC statements are available. Things are moving in the right direction.

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

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

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

20170501
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)


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

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.

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%

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%

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

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 cutnpaste 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%)

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%

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

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


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

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%

20170601
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

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...

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/NCUAinsured 35 year CDs.

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.

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.

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


Horrible. Just fucking horrible.

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 12month 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.


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



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 chargeoffs)
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%), 1630 (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.


https://www.youtube.com/watch?v=mypHpsSoF8o

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

...been on a roadtrip. Will be home in 3 or 4 days.

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.


I hope you didn't destroy your Tesla. Just kidding 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.

Crap! Good luck on a quick and full recovery.

Sorry to hear. Best thoughts for a full and speedy recovery.

So sorry!! What an ordeal for you! Hope your procedures and healing go well. Best wishes.


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.

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

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.

Wow.

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

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.

glad you're both safe. hope you make a full recovery!

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


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!

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%

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%)

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

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

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).

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.
20170701
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

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%

IRA as of 7117:
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 7117:(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%)

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%)

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

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

Compare page is back up


If I don't get to this today (guest coming over) then I will tomorrow.

Under the circumstances, I'm sure everyone here will understandyour taking a few more days ... or weeks. Take care of yourself first.

It's amazing that you're still doing this at all.

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>

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.

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.


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!

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

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%

20170801
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)

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%)

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!

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

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%)








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...






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 investmentgrade longterm 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.


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



20170902
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)


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 reinvested any this year, chargeoffs 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

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).

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.

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.

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

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.


20170917
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.

lc.geekminute.com is down.

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!

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!


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.

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

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.

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 34 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>

20171101
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)
20171001 (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)

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

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).

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 5year notes. This is taking forever.


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....

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 techtime, 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 doubledigits 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%)

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

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
20171201
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

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

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).


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 autoinvest 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.

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
20180101
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


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%

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".

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 ataGlance 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!

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!

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


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