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Post by df on Jan 17, 2022 12:56:18 GMT
Thank you I thought it is something on my individual account page that I can't find. It looks like my XIRR is lower than I thought. One half I've invested at the start (was about a week of cash drag) and the rest in smaller portions over the following months... Still happy that I'm not at loss with Zopa. I've had a go at XIRR on more than one occasion, followed the post and downloaded the template, but could never get it working. I've always been bad at Excel, must be a curse I will have another go at some point and might be lucky. Zopa's calculation of your NAR is on your your individual account page. I.e. on page investors.zopa.com/investment/lending-summary. df , do you use Google Sheet's? If so I can PM you a share of my working sheet for Zopa if that would help. I still couldn't find my NAT information, but found the explanation "As Zopa Classic and Access are legacy products which have been retired for some time, we aren't able to show a performance breakdown in the same way that we do for Core and Plus.". Yes please, PM me yours, I'll use it as a template and see if I can work it out. I have Google Sheets on my google drive, so hopefully it will work. Many thanks for your help!
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mogish
Member of DD Central
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Post by mogish on Jan 18, 2022 8:16:19 GMT
Last of my normal account funds recieved today. Just waiting on fidelity getting their act together with Isa.
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coogaruk
Hello everyone! Anyone remember me?
Posts: 703
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Post by coogaruk on Jan 18, 2022 12:31:52 GMT
Last of my normal account funds recieved today. Just waiting on fidelity getting their act together with Isa. Mine too. All 20-odd quid of it!
No pesky ISA for me to worry about
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Post by fuzzyiceberg on Jan 18, 2022 14:55:22 GMT
Final results:
Investment Account (Mar 2010- Jan 2018) 5.15% pa ISA Account (Jan 2018 – Jan 2022) 3.98% pa
Not bad for the risk.
Still annoyed they expropriated our portfolios. Bunch of unethical shysters. Would not invest with them again.
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aju
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Post by aju on Jan 18, 2022 17:37:25 GMT
Its interesting that of our 4 accounts, 2 each, all with newer products and older ones. Mrs aju has her ISA account with a single solitary penny still stuck in the system!.
I'm waiting till it gets resolved before i analyse too deeply but I suspect it's Zopa's eternal problem, that they never really solved as far as we were monitoring things, the dreaded rounding ...! The bank savings side has a similar issue.
(Overall we did not fair too badly with Zopa taking the defaults as far as an initial glance shows.)
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warn
Member of DD Central
Curmudgeon
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Post by warn on Jan 20, 2022 11:55:15 GMT
Haven't been near Zopa P2P for years, but inspired by this discussion I logged on to our two accounts for a shufti, and between them managed a closing withdrawal of 21p.
Tonight we eat!
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mikes1531
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Post by mikes1531 on Jan 24, 2022 22:04:34 GMT
" Does that make XIRR at approx 1.6%?" Answer: Yes, approximately. If you made a deposit in one go, then made just one withdrawal of all cash exactly 5.25 years later, the XIRR would be 1.14946...%. I.e. e x(log n(1.081)/5.25). Ace: Are you sure about that 1.14946% XIRR ??
I don't see how 1.15% p.a. could produce an 8.1% return in 5.25 years. I would have expected the return to be more like 1.5% p.a.
In fact, I think you have a typo, as I find that 1.014946^5.25 = 1.081 So 1.4946% compounded annually for 5.25 years would produce the observed 8.1% return.
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Post by Ace on Jan 24, 2022 22:30:03 GMT
" Does that make XIRR at approx 1.6%?" Answer: Yes, approximately. If you made a deposit in one go, then made just one withdrawal of all cash exactly 5.25 years later, the XIRR would be 1.14946...%. I.e. e x(log n(1.081)/5.25). Ace : Are you sure about that 1.14946% XIRR ??
I don't see how 1.15% p.a. could produce an 8.1% return in 5.25 years. I would have expected the return to be more like 1.5% p.a.
In fact, I think you have a typo, as I find that 1.014946^5.25 = 1.081 So 1.4946% compounded annually for 5.25 years would produce the observed 8.1% return.
Yes, you're correct it was a typo. The XIRR is 1.4946...%.
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