Harmoney

[alistar_mid]

I was just using your numbers and assumptions from your previous post.

Harmony has a graph which you can use to predict defaults - most defaults acording to them happen near the 3 month point and then tail downward

its at the bottom of this page

https://www.harmoney.co.nz/investors/investment-risks

called the hazard curve down the bottom.

Which maps to the below array values - which you can use in your spreadsheet.

2.00, 2.30, 4.00, 5.00, 5.80, 5.70, 5.60, 6.00, 5.70, 5.20, 5.80, 5.00, 4.70, 4.00, 3.60, 3.15, 3.00, 2.70, 2.10, 2.15, 2.00, 1.90, 1.60, 1.40, 1.60, 1.00, 1.20, 1.00, 0.90, 0.80, 0.60, 0.55, 0.50, 0.50, 0.60, 0.15, 0.05, 0.05, 0.05, 0.05, 0.00, 0.00, 0.00, 0.00, 0.00, 0.00, 0.00, 0.00, 0.00, 0.00, 0.00, 0.00, 0.00, 0.00, 0.00, 0.00, 0.00, 0.00, 0.00, 0.00



Cheers

I'll do a version 2

The US article that has been linked around here on how p2p lending goes during a recession is reassuring that we should be ok too, reasonably ok.

Ultimately over time, the ultimate measurement is actualls.. a simple XIRR on a timeline of all your deposits vs all your withdrawals..

I'm pretty sure that XIRR is after tax too, as what I have sitting in my account and have had (withdrawals) already has the tax on it.

(i know, I know, I can't get the whole 80k out right now)

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