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new to investing in LC

Started by Peter, October 16, 2016, 11:00:00 PM

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we2ding

Last week I bought my first notes. One of my notes in showing "fully Paid" I had invested $50. But I don't see where I actually got the $50 back. If it's truly paid, I want to reinvest it-since I am just getting started. Does it take a few days for the money to reappear-kind of like it takes a few days when you transfer money in to invest?



TravelingPennies

Thank You! I reinvested it this morning.

Rob L

You had a note go from newly issued to fully paid in less than two weeks???
That's gotta be close to the record; very strange!
For the record what was the term and grade of the loan? TIA

Debt Free

It's not unusual.

PAID $25.00     E1 19.99%     36     $0.00     $0.00     $25.02     3/9/16     Fully Paid
PAID $25.00     B2   9.16%     36     $0.00     $0.00     $25.03     5/13/16   Fully Paid
PAID $25.00     D4 18.99%     36     $0.00     $0.00     $25.03     6/23/16   Fully Paid
PAID $25.00     B5 11.49%     36     $0.00     $0.00     $25.03     12/25/15 Fully Paid
PAID $25.00     B3   9.75%     36     $0.00     $0.00     $25.03     5/12/16   Fully Paid

$0.14 of interest on $125 for less than a month = 1.34% annualized return.  STILL better than a savings account.  (Not by much though.)





fliphusker

My account is around the 7th-month mark and seeing under 3% fully paid.  267 notes and 8 fully paid. 
And welcome aboard.  You have found the right place for any of your questions. 


TravelingPennies

Thanks...I am up to 57 notes and will be buying some more tomorrow. My current portfolio is this mix: A (7.1%) B (22.9%) C (32.9%)
D (35.7%) E (0.0%) F (1.4%) G (0.0%)
 What or where can I strengthen...I am thinking A and B Grade.


I recently received some money from my mother's passing and my father asked that I invest it. I once had a loan with Lending Club (paid it off early and opened this account!) Yesterday I opened a Vangaurd Account and I know nothing about investing. I am thinking about closing it before I even get it going and just putting it here!



jz451

What time period were you using for your data, yearly, monthly, because I'm in the process of making an Efficient Frontier of the filters I use  with yearly data and I'm having trouble with the variance/covariance table where the numbers are all essentially zero, leading to only two of the grades being given weights. 
https://forum.lendacademy.com/index.php?topic=4128.msg38248#msg88888888Quote"> from: Emmanuel on October 26, 2016, 02:14:26 PM

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