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  • myles's Avatar
    Yesterday, 02:17 PM
    More: Plot of 'loan payment' / 'income' ratio - in general a rise to the right, as expected - not at all clear cut though. Might need to...
    3721 replies | 470952 view(s)
  • myles's Avatar
    Yesterday, 12:45 PM
    Just in case the region chart was misunderstood - the split between population >10 <=10 (i.e. blue/orange) was based on the population in the data...
    3721 replies | 470952 view(s)
  • myles's Avatar
    24-09-2018, 04:27 PM
    Up until this last lot of graphs I was just using a spreadsheet, but now that I feel that I have some useful data to mine I import it into a...
    3721 replies | 470952 view(s)
  • myles's Avatar
    24-09-2018, 11:18 AM
    A couple more: Some interesting detail in the above chart worth considering. Looks like skipping 'Tax Bills, New Cars and Funeral Expenses'...
    3721 replies | 470952 view(s)
  • myles's Avatar
    24-09-2018, 02:33 AM
    A couple of charts that are an attempt to find loans that are more likely to default than others. These are based on my loan set so may differ from...
    3721 replies | 470952 view(s)
  • myles's Avatar
    22-09-2018, 09:53 AM
    I think a good guide to diversification is to try to average around 0.25% of total investment with a strict maximum of 1%, per loan. So, if you...
    3721 replies | 470952 view(s)
  • myles's Avatar
    17-09-2018, 12:44 PM
    Another graph...trying to get a feel for loan pay offs: Blue: Number of loans (held in month) shows my initial ~3 month 'buy in' period...
    3721 replies | 470952 view(s)
  • myles's Avatar
    17-09-2018, 08:55 AM
    First time I've been < $25 available funds for a long time :)
    3721 replies | 470952 view(s)
  • myles's Avatar
    14-09-2018, 10:53 PM
    I would do the calculation as below. I'm not sure where your repayment values are coming from in your second table? Notes: The second...
    3721 replies | 470952 view(s)
  • myles's Avatar
    14-09-2018, 09:39 AM
    I don't agree with your calculation - as per my previous comment - early repayments are earning interest not included in your determination of 12% -...
    3721 replies | 470952 view(s)
  • myles's Avatar
    13-09-2018, 10:56 PM
    I re-invest 'early repayments' - so shouldn't the months be 14 with the associated increased interest and fees? This wasn't the point I was trying...
    3721 replies | 470952 view(s)
  • myles's Avatar
    13-09-2018, 10:37 AM
    Something that I found when looking through my data set is that none of the re-written loans have defaulted! This could be partly due to timing...
    3721 replies | 470952 view(s)
  • myles's Avatar
    13-09-2018, 01:51 AM
    Another graph that helps paint a picture of loan characteristics: Orange: Age spread of current loans. Green: Age of paid off loans. So a...
    3721 replies | 470952 view(s)
  • myles's Avatar
    12-09-2018, 08:37 PM
    The chart below shows the age spread of both my current loans and loans that have defaulted. Orange: Age spread of current loans - scale on the...
    3721 replies | 470952 view(s)
  • myles's Avatar
    11-09-2018, 04:48 PM
    I take the comments above, but the point I'm trying to show is the rate/value of defaults per grade. Defaults are not annual, they are total over...
    3721 replies | 470952 view(s)
  • myles's Avatar
    11-09-2018, 01:06 PM
    All $'s - I should have formatted them that way. So under Defaulted Loans: Invested: is $ invested in the loans that have defaulted (i.e....
    3721 replies | 470952 view(s)
  • myles's Avatar
    11-09-2018, 12:34 PM
    The following table may be of interest to some. It shows my default adjusted return. Notes: current interest rates are used - old rates...
    3721 replies | 470952 view(s)
  • myles's Avatar
    09-09-2018, 02:36 PM
    Twisting my word a bit: "middle man i.e. the Bank.", is nothing like TSB investing as a peer. There is no such thing as a 'native player' -...
    3721 replies | 470952 view(s)
  • myles's Avatar
    09-09-2018, 12:06 PM
    I know some won't agree, but I think the definition of Peer to Peer Lending is not what some think it is. Peer to Peer Lending is more about doing...
    3721 replies | 470952 view(s)
  • myles's Avatar
    09-09-2018, 09:26 AM
    I might be missing what your saying, but there is a limited number of loans. The current approx. 25%/75% retail/wholesale volume split means the...
    3721 replies | 470952 view(s)
  • myles's Avatar
    06-09-2018, 06:31 PM
    There has certainly been a lot of 'churn' in the loans - some of that is likely due to changing rates through?
    3721 replies | 470952 view(s)
  • myles's Avatar
    06-09-2018, 03:36 PM
    Good start alundracloud. I'm surprised your XIRR is below your RAR? Are you using Outstanding Principal + Funds Available as your current value? ...
    3721 replies | 470952 view(s)
  • myles's Avatar
    05-09-2018, 09:57 PM
    Re-writes are a double edged sword I think. On one side it means an early payout, but on the re-investment side it shows if a borrower has been able...
    3721 replies | 470952 view(s)
  • myles's Avatar
    05-09-2018, 11:41 AM
    For 2018: Min: 1 Max: 40 Medium: 17 Stdev: 10 Much lower of late :(
    3721 replies | 470952 view(s)
  • myles's Avatar
    04-09-2018, 09:59 AM
    I'm typically investing $100 in each loan now, with regular $200 and even $400 on some of what I consider the 'safer/better' loans. With 100K it's...
    3721 replies | 470952 view(s)
  • myles's Avatar
    03-09-2018, 11:05 PM
    Just doing some monthly numbers so thought I'd put up some data as it's always good to compare against others. This represents around 18 months of...
    3721 replies | 470952 view(s)
  • myles's Avatar
    30-08-2018, 10:17 AM
    Not sure how new this is: https://www.harmoney.co.nz/investors/default-rates The height of the Light Blue area minus the height of the Dark...
    3721 replies | 470952 view(s)
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