Quote Originally Posted by Cool Bear View Post
From my 30+ months investment, the average for the last 12 months - early payoff AND principal (exclude interest) repayments - is 6.58%. This is the percentage over the principal outstanding at the beginning of each month. For the last 18 months, I get back between 5.51% to 8.09% of the outstanding principal each month.
As noted above, this figure does not includes interest.
Further Note: My principal outstanding is from my own spreadsheet and not the one on Harmoney's dashboard which includes the effect of Payment Protect.
i correct myself the number harmoney gave me was 3% per month which I forecast with, my actual for the last 12 months has averaged at 5.5%, with 10.43% in December.