Author Topic: What Returns Do You Expect Going Forward?

Rob L · **OP:** December 20, 2019, 12:00:00 AM

I took a look at the statistics section of the LC website today. Specifically the chart titled "Investor Account Returns by Average Age of Portfolio" and made the following selections:

Average Age of Portfolio: 24 - 30 months (the maximum)
Portfolio Concentration: Any
Minimum Notes per Account: 100

Weighted Average	10th		90th
Interest Rate	%tile	Median	%tile
0% - 9%	3.3%	4.3%	5.3%
9% - 12%	2.7%	4.1%	5.5%
12% - 15%	1.7%	3.5%	5.5%
15% - 18%	0.9%	3.2%	5.9%
18%+	3.3%	2.8%	6.0%
ALL	3.3%	3.6%	5.6%

Something interesting to watch in the future on a quarterly or annual basis.

Macroman · **#1:** December 21, 2019, 12:00:00 AM

This agrees with my experience. One thing to note is that there is essentially no addditional effective risk premium for buying riskier notes. I am shooting for 4% on what I have invested in an IRA and am not adding more.

I'd add that essentially the same situation seems to prevail at prosper.

TravelingPennies · **#2:** December 22, 2019, 12:00:00 AM

from: Macroman on December 21, 2019, 11:03:18 PM

jrl · **#3:** January 08, 2020, 12:00:00 AM

from: Rob L on December 20, 2019, 11:48:01 AM

TravelingPennies · **#4:** January 09, 2020, 12:00:00 AM

Of course you are right regarding the 18%+ rate return for the bottom. Must have been a typo on my part.

Meanwhile, I must be going batty but I cannot locate the chart titled "Investor Account Returns by Average Age of Portfolio" anymore.
I have tried, really. Embarrassing! You just looked at it last night. Okay, exactly where can (did) I locate this?