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!

I've never used Prosper, but I would say that you just got unlucky. 75 notes is a very small amount of diversification. Your returns can get screwed over by a few bad notes. Your returns will naturally decline as your loans near maturity, but it should not be going anywhere near negative.

Here's an idea: go to a website like nickelsteamroller and you can check the average returns of notes issued in 2012. You can also put in the same filters that you used.


https://www.nickelsteamroller.com/#!/stats/prosper



At first glance, the average return now for every note issued in 2012 seems to be around 7-8%. So I'm guessing that you just got unlucky!

Circle, I have a general question about your loan selection. Do you prefer to invest in safer notes (A-C) throughout the majority of your managed Lending Club accounts, or just mainly for your primary account that has 500k invested?


Also, when did you get the confidence to start investing large amounts of cash into P2P lending?