Harmoney

[myles]

Two Months in: Have managed to double up and then some, switching to 4 notes per loan for most loans.

Invested: $54,229.89
Loans: 635
Avg. Loan Size: $85.31
Auto-Lends: 190
Avg. Interest: 22.79% (Weighted)
Avg. Exp. Return: 15.73% (Weighted less Default+Fees+Tax)

Expected Monthly Return to deal with: $1,471.20 (Principal + Interest : excludes payoffs)
XIRR.: 19.23% (starting to stabilise now)
Interest Paid to date: $302.96

After doing some calculations of my own I've settled on a Risk Grade spread from B3 to E3, which I feel will give me a good return with enough loans to keep up with the total investment I'm aiming for - I'll most likely narrow this spread as time goes on and I get a better feel for Grade defaults and timing, and other variations over time.

Loan Term Graph:

H-Term.png

Risk Grade Graph:

H-Risk.png

Risk Grade Detailed Graph:

H-Risk2.png

[bung5]

Two Months in: Have managed to double up and then some, switching to 4 notes per loan for most loans.

Invested: $54,229.89
Loans: 635
Avg. Loan Size: $85.31
Auto-Lends: 190
Avg. Interest: 22.79% (Weighted)
Avg. Exp. Return: 15.73% (Weighted less Default+Fees+Tax)

Expected Monthly Return to deal with: $1,471.20 (Principal + Interest : excludes payoffs)
XIRR.: 19.23% (starting to stabilise now)
Interest Paid to date: $302.96

After doing some calculations of my own I've settled on a Risk Grade spread from B3 to E3, which I feel will give me a good return with enough loans to keep up with the total investment I'm aiming for - I'll most likely narrow this spread as time goes on and I get a better feel for Grade defaults and timing, and other variations over time.

Loan Term Graph:

H-Term.png

Risk Grade Graph:

H-Risk.png

Risk Grade Detailed Graph:

H-Risk2.png

Thats a good effort getting 50k in a few months. I would like to get 50k in however finding hard to get the criteria I want.... mainly because I only want 36 month loans which seem to be few and far between. Currently investing between $100-$200 a day using auto-lend.

Wouldn't mind getting some 60 month loans if I knew there was a secondary market I could sell on. I might just have to concede and start getting the 60 month loans as to get capital invested quicker.

[Saamee]

Thats a good effort getting 50k in a few months. I would like to get 50k in however finding hard to get the criteria I want.... mainly because I only want 36 month loans which seem to be few and far between. Currently investing between $100-$200 a day using auto-lend.

Wouldn't mind getting some 60 month loans if I knew there was a secondary market I could sell on. I might just have to concede and start getting the 60 month loans as to get capital invested quicker.

You can count on approx 50% early repayment of all loans at HM.