bigfoot12
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Post by bigfoot12 on Jan 24, 2019 8:04:54 GMT
To work out basic returns for each of my P2P accounts (and some other accounts) I use data from my bank - which is downloadable as a CSV file. I load this into Libre Office to calculate XIRR and anything else I want to. By using my bank the process and the sheet is the same for each of my investments. (Remember to include any payments made by debit card as these sometimes show up differently.) I normally calculate a few numbers, perhaps one assumes all defaults will be lost, another might use the platform average recovery rate and so on.
I also use Java, for some of my investments. I download a csv file from the platform whenever I remember and then when I run my code it picks up all files. Only worth doing for those platforms were you can make a choice, and your investment is significant enough to be bothered.
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cobi
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Post by cobi on Jan 25, 2019 12:40:07 GMT
Hi Ace. Google 'screen scraping python'. Be careful of any site with hidden reCaptcha. Or use chrome extensions which are pretty easy to write in javascript and probably easier to access the data required. Once you've got the data from the site use Google drive api to write the data into a Google sheet. You could also probably write it in the google sheets script editor. I have done secure site log ins with this before but nothing with P2P. Good luck |
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benaj
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Post by benaj on Mar 29, 2019 6:38:37 GMT
I thought I have been tracking my investments for the past 2 years. Now I have realised I wasn't experience enough to track them properly in the past.
There are a few issues tracking investment on the platforms I have been invested
- Accrued Interest (illusion or faith)
- Actual repayment (related to accrued interest)
- Default & Loss (can it be recovered in the future and how long?)
Some platforms I invest are very good hiding those information, making tracking almost meaningless without analysing what the balance means exactly.
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Post by Deleted on Mar 29, 2019 9:55:45 GMT
I thought I have been tracking my investments for the past 2 years. Now I have realised I wasn't experience enough to track them properly in the past. There are a few issues tracking investment on the platforms I have been invested - Accrued Interest (illusion or faith) - Actual repayment (related to accrued interest) - Default & Loss (can it be recovered in the future and how long?) Some platforms I invest are very good hiding those information, making tracking almost meaningless without analysing what the balance means exactly. I found myself in the same position as you, thinking i had been tracking p2p closely, but when I actually spent the time making sure I could track my initial investment through to current balance i was dissappointed by the results. Each P2P is different in how they show data and it doesn't matter what software you use if you don't get the raw data and make sure each one is managed on the same basis. Most provide transaction reports which can be downloaded and put into pivot tables quite easily, but i found some transaction reports didn't add up, missed transactions out and showed the signage of some transactions the wrong way around. Some don't allow transaction downloads at all. Some remove defaults from portfolios totals and some don't. Some tell you something is written off, some just keep it as a default. All have different cryteria for defaulting loan. If you check the loan comments for details and consistency you will find lots of anomalies and many loans receiving no updates for months and in some cases over a year. I found you cannot be sure of your investment progress at all if you just use the front page figures for your analysis.
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