Harmoney

[myles]

I'm currently at 7.6% return for 6 months i.e. ~ 15.2% for 12 months after tax (lowest rate). This includes a startup period of a little over 3 months to invest $100K (so it should improve). I know I've got some significant losses to come as more defaults kick in but my returns are looking to be significantly higher... XIRR at just under 18% (after tax) - very consistently, current RAR at 17.35%pa. Compounding with the lower tax rate makes a significant difference to the overall returns.

If you are investing new money or drawing on returns a simple balance comparison will not give you an accurate picture of your returns (using XIRR will).