vamsi7
New Member
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Post by vamsi7 on May 12, 2018 12:52:12 GMT
Hey guys,
How do you build and analyse your p2p portfolio, as there are too many platforms you can invest in these days, and it becomes hard to keep track of how much you are investing.
are there any tools out there, which lets me analyse my p2p portfolio across all platforms?
Looking for some analysis on my industry exposure, borrower exposure, projected returns, chance of default, etc.
Paid apps are okay too.
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aju
Member of DD Central
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Post by aju on May 23, 2018 11:31:49 GMT
Since no one has responded with a whisper of a tool I'm guessing thats a no then.
I use excel myself but I am just on Zopa, mind you it's becoming quite cumbersome having 2 products (Invest and ISA) each for both myself and Mrs Aju to manage. The tool/s that zopa provides are about as much use as a chocolate teapot though, especially when it comes to defaults analysis. And a lot of the time the information on interest rates can be a little bit off the mark as well.
Does not help I know but at least I responded.
Perhaps there is an opening for something then.
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Post by GSV3MIaC on May 24, 2018 15:05:28 GMT
I use Excel, and a lot of VBA code, but it is customised for myself and partner, and just the platforms I use. What I still can't do is easily rack up my exposure to a particular borrower or director or concert party of same, across multiple platforms (requires more manual input than I am ready for). That's an issue, because the same names come round time after time, and some I find a bit scary.
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angrysaveruk
Member of DD Central
Say No To T.D.S
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Post by angrysaveruk on May 24, 2018 19:02:28 GMT
I use Excel, and a lot of VBA code, but it is customised for myself and partner, and just the platforms I use. What I still can't do is easily rack up my exposure to a particular borrower or director or concert party of same, across multiple platforms (requires more manual input than I am ready for). That's an issue, because the same names come round time after time, and some I find a bit scary. You obviously take your investments alot more seriously than most people 
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Post by GSV3MIaC on May 24, 2018 21:40:31 GMT
Nope, it's really a hobby, with profits (if any) to my favourite charity(ies). No very significant sums involved, I just enjoy the programming challenges. 8>.
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Post by jordan on May 30, 2018 16:05:32 GMT
Hey guys, How do you build and analyse your p2p portfolio, as there are too many platforms you can invest in these days, and it becomes hard to keep track of how much you are investing. are there any tools out there, which lets me analyse my p2p portfolio across all platforms? Looking for some analysis on my industry exposure, borrower exposure, projected returns, chance of default, etc. Paid apps are okay too. May or may not be useful, but we've been providing research on the market for quite a while - we offer loan book analyses on a select few platforms, which is updated each month as new books are released. Visit Orca and navigate to 'Analytics' and see if your platforms are listed! (Conscious it's not analysis of your specific portfolio, but might help determine your future allocations etc) On another note, we recently launched our own diversified portfolio, but we don't offer a portfolio monitoring tool for investors who simply want to aggregate and view the performance of their P2P investments (yet...). So not sure if helpful or not, but let me know if we can help in any way (we'll be improving our Analytics service, adding new platform profiles and so on, in the coming months - if there's certain platforms you'd be interested in seeing, let me know).
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aju
Member of DD Central
Posts: 3,500
Likes: 924
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Post by aju on Jun 10, 2018 1:14:05 GMT
Hey guys, How do you build and analyse your p2p portfolio, as there are too many platforms you can invest in these days, and it becomes hard to keep track of how much you are investing. are there any tools out there, which lets me analyse my p2p portfolio across all platforms? Looking for some analysis on my industry exposure, borrower exposure, projected returns, chance of default, etc. Paid apps are okay too. May or may not be useful, but we've been providing research on the market for quite a while - we offer loan book analyses on a select few platforms, which is updated each month as new books are released. Visit Orca and navigate to 'Analytics' and see if your platforms are listed! (Conscious it's not analysis of your specific portfolio, but might help determine your future allocations etc) On another note, we recently launched our own diversified portfolio, but we don't offer a portfolio monitoring tool for investors who simply want to aggregate and view the performance of their P2P investments (yet...). So not sure if helpful or not, but let me know if we can help in any way (we'll be improving our Analytics service, adding new platform profiles and so on, in the coming months - if there's certain platforms you'd be interested in seeing, let me know). Hey jordan, So I checked out your Orca analytics for Zopa today and have a couple of observations/questions. 1. Net returns vs estimated returns graph - How did you get this info? I get that my net returns may not mirror this chart but wondered does this table take into consideration defaults etc. The net return data seems skewed considerably high in the more recent 3/4 years, almost double my own experience in fact and I believe I've done well, perhaps foolishly ;-). My lending is 20:80 (Plus:Core,PreSG&SG) since 2006. 2. Actual Default rate vs est bad debt vs actual bad debt graph - does not seem to actually be showing the estimated bad debt on the page I can see. I don't think its me or my browser (Latest Chrome) that causing this but happy to be wrong. Interesting info none the less.
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zlb
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Post by zlb on Jun 11, 2018 16:05:08 GMT
I use Excel to evaluate risk, duration/locked up worst case scenarioscenario, tax efficiency of possible returns, actions to take against each prior decision, and so on. I would add more fields for sector exposure, but don't go as far as individual loan/borrower. I never got as far a learning VB etc. I think I've used sumif type formulae without looking. I'd like to evaluate sector exposure, but lenders do change rational eg AC recently, and more seem to be moving into property, alongside non-property loans which are secured by property/assets. I can see I'd find it hard to keep up with that aspect of it.
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Post by jordan on Jun 26, 2018 8:27:03 GMT
May or may not be useful, but we've been providing research on the market for quite a while - we offer loan book analyses on a select few platforms, which is updated each month as new books are released. Visit Orca and navigate to 'Analytics' and see if your platforms are listed! (Conscious it's not analysis of your specific portfolio, but might help determine your future allocations etc) On another note, we recently launched our own diversified portfolio, but we don't offer a portfolio monitoring tool for investors who simply want to aggregate and view the performance of their P2P investments (yet...). So not sure if helpful or not, but let me know if we can help in any way (we'll be improving our Analytics service, adding new platform profiles and so on, in the coming months - if there's certain platforms you'd be interested in seeing, let me know). Hey jordan , So I checked out your Orca analytics for Zopa today and have a couple of observations/questions. 1. Net returns vs estimated returns graph - How did you get this info? I get that my net returns may not mirror this chart but wondered does this table take into consideration defaults etc. The net return data seems skewed considerably high in the more recent 3/4 years, almost double my own experience in fact and I believe I've done well, perhaps foolishly ;-). My lending is 20:80 (Plus:Core,PreSG&SG) since 2006. 2. Actual Default rate vs est bad debt vs actual bad debt graph - does not seem to actually be showing the estimated bad debt on the page I can see. I don't think its me or my browser (Latest Chrome) that causing this but happy to be wrong. Interesting info none the less. Hey ajuThanks for your comments and sorry for not coming back to you earlier. 1. To estimate net returns, we've conduct loan by loan cash-flow analysis on every loan originated by Zopa. An accurate estimation of actual net returns can be made for the years where 100% of loans are complete. As the maximum loan term on the Zopa platform is 5 years, loans as far back as 2013 are still in circulation and therefore at risk of default. As the years progress the percentage of assets (loans) under management increases, and the accuracy of net returns estimates decreases. The actual net return will therefore be reduced as loans progress through their term. No default estimation has been applied to our analysis. 2. This is a technical glitch which I've raised with our tech team. Should be resolved soon!
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aju
Member of DD Central
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Post by aju on Jun 26, 2018 9:26:51 GMT
Hey jordan , So I checked out your Orca analytics for Zopa today and have a couple of observations/questions. 1. Net returns vs estimated returns graph - How did you get this info? I get that my net returns may not mirror this chart but wondered does this table take into consideration defaults etc. The net return data seems skewed considerably high in the more recent 3/4 years, almost double my own experience in fact and I believe I've done well, perhaps foolishly ;-). My lending is 20:80 (Plus:Core,PreSG&SG) since 2006. 2. Actual Default rate vs est bad debt vs actual bad debt graph - does not seem to actually be showing the estimated bad debt on the page I can see. I don't think its me or my browser (Latest Chrome) that causing this but happy to be wrong. Interesting info none the less. Hey aju Thanks for your comments and sorry for not coming back to you earlier. 1. To estimate net returns, we've conduct loan by loan cash-flow analysis on every loan originated by Zopa. An accurate estimation of actual net returns can be made for the years where 100% of loans are complete. As the maximum loan term on the Zopa platform is 5 years, loans as far back as 2013 are still in circulation and therefore at risk of default. As the years progress the percentage of assets (loans) under management increases, and the accuracy of net returns estimates decreases. The actual net return will therefore be reduced as loans progress through their term. No default estimation has been applied to our analysis. 2. This is a technical glitch which I've raised with our tech team. Should be resolved soon! Hi @jordon, No probs we are all busy, thanks for the answer on the defaults I thought as much, I think I understand but still not that sure of the high values. In my own analysis of loans from end to end it would seem that when a loan does not default the interest rates reported by Zopa do seem to marry up with the higher values. I have only checked a very small amount in passing though not the whole book!. Thing is though without the defaults being part of its not that useful but by the same token I do appreciate that its not possible to guestimate the defaults certainly recent experience show that no one can guestimate these things, least of all Zopa, but that's another issue. Glad to be of assistance I like to find a positive in things where I can and always pleased when an organisation can take things on board like yourselves, thanks. Let me know when the glitch has been resolved and i'll be happy to run over it again. Should be interesting...
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