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Messages - RaymondG

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Investors - LC / Worst Month Yet
« on: February 06, 2016, 12:00:00 AM »
Note that the distribution on loan grades in the account has no material change since 1/2013. The low bars in mid 2014 are partly due to 20% new money injected in to my LC account. The trend line is MVA of 6 periods. The loss is adjusted with lates, defaults, and loss from selling on folio.
General P2P Lending Discussion / What TERM loan do you invest in?
« on: February 06, 2016, 12:00:00 AM »
To me, whatever notes passed my complex filter will be purchased automatically. I focus on D,E,F, so the ratio of 36 vs 60-month in my portfolio is about 20:80 naturally. The charts of Net cumulative Lifetime Charge-off Rates have bias since 36-month loans are mostly A,B,and C loans which should have lower default rate.
Foliofn - LC / folio ytm
« on: February 04, 2016, 12:00:00 AM »
I get 8.4% YTM. Please see the snapshots. Beginning investment is AskPrice; Starting date is 2/3/2016 when YTM was calculated (I assume YTM on folio is calculated on fly). The principla balance $65.98 on 1/12/16 is used as starting principal to calculated Interest and Principal portion of the future payments. Note, the last payment is smaller than $3.16.

LendingRobot / Some pages are way too old
« on: January 26, 2016, 12:00:00 AM »
I happened to wander into LendingRobot website and browse Help & Info web pages. Many web pages there are wey out-of-date, such as
* chart "Average Return by Loan Date" on
General P2P Lending Discussion / How to fund Fundrise account?
« on: December 18, 2015, 12:00:00 AM »
I recently enrolled in the waiting list of Fundrise's eREIT. However, I could not find out how I could fund my account. I assume the account should be funded before I am able to invest in eREIT when the eREIT investing windows is open. Could someone please advise if you invested in Fundrise's eREIT?


Investors - LC / Worst Month Yet
« on: December 05, 2015, 12:00:00 AM »
Peter had a post recently about eREIT, link: Is anyone going to try it? I signed up but I do not know when it's available to me. It would most likely have much less charge-offs. The chargeoff rates published by Federal Reserve:
Investors - LC / Worst Month Yet
« on: December 04, 2015, 12:00:00 AM »
Investors - LC /
« on: November 22, 2015, 12:00:00 AM »
Investors - LC / 36 months vs 60 months
« on: November 08, 2015, 12:00:00 AM »
Here is a study done by AnilG in 2013.

The Months of Payment chart shows the percentage of all defaulted 36 month (and 60 month) loans as a function of months of payment for loans issued since 2010.  The default patterns are very similar for first 10 months of payment. But, we know that 60-month loan with same loan amount pay less monthly payment, hence we receive less total payments (Principals + interests) comparing to a 36-month loan if both defaulted after same # of months. However, since most defaults of 60-month loans happened in first 2 years, we may expect the remaining 60-months loans will compensate the higher loss in the first two years by their higher overall return in remaining 3 years because of much less defaults in this period.

Who has the default ratio of 36-months vs 60-month loans by grade?
Investors - LC /
« on: August 19, 2015, 11:00:00 PM »
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