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Post by wiseclerk on Mar 28, 2014 16:19:30 GMT
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duck
Member of DD Central
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Post by duck on Mar 28, 2014 16:49:41 GMT
Some interesting information in your blog, thanks, it is always good to make a comparison or two.
Whilst my returns are not in % terms as high as yours (22.8 - 23.6%) I have invested a fair bit more and have perhaps been a little less keen than others to dispose of the lower rate loans. I note you have sold a fair number of loans (assuming that your individual investments are 'small'), do you simply throw small fish back into the pond? As a % I'm running very similar figures for 'lates' (I thought mine were high) but my default rate is slightly lower no doubt due your loan book being slightly more mature than mine. If it wasn't for the first batch of Finnish loans .......
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Post by wiseclerk on Mar 28, 2014 17:00:03 GMT
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duck
Member of DD Central
Posts: 2,576
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Post by duck on Mar 28, 2014 17:14:18 GMT
Thanks, I adopt a similar approach although I have certain loans that run late every month (and they usually make two 'instalments') which I have decided to hold while they maintain the pattern. I'm currently in the process of adding to my spreadsheet 'age' and 'sex' for each loan, following the publishing of the default data I'm finding this another useful tool in my decisions to hold/sell. Interesting to note that most of the Spanish loans have NA against gender!
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