benaj
Member of DD Central
Posts: 4,857 
Likes: 1,591
|
Post by benaj on May 4, 2022 13:58:16 GMT
Well, I checked my account earlier and found 2DFDC6A17 has been repaid fully. I can't moan about the zero loss for this loan.
Just wondering what's the performance like from loans starting from Apr 2020 till Apr 2021. What's the percentage for return, late payment and losses?
|
|
archie
Posts: 1,838
Likes: 1,842
|
Post by archie on May 4, 2022 14:13:31 GMT
From August 2017 until now my only recorded losses are 19p in 2019-2020.
There are quite a lot overdue including the court case loans.
|
|
benaj
Member of DD Central
Posts: 4,857
Likes: 1,591
|
Post by benaj on May 4, 2022 14:21:04 GMT
 I am still waiting money from the infamous borrower. Although I haven't made any loss in this platform but I haven't withdrawn more than what I deposited despite making profit according to tax statement and having no active loans for 15+ months..
|
|
|
|
Post by Ace on May 4, 2022 14:40:26 GMT
No losses for me since starting in March 2018 (according to my tax statement).
My combined XIRR is currently 9.32%.
Could your profit without active loans be due to the small amount of interest paid on unallocated cash?
|
|
benaj
Member of DD Central
Posts: 4,857
Likes: 1,591
|
Post by benaj on May 4, 2022 17:19:04 GMT
😅 Sorry for the confusion if any.
@ ace is right about I earned 0 profit last tax year as I have no active loans on Unbolted.
What I meant is my profit I earned by lending money over years on this platform is less than net withdrawal amount.
|
|
|
|
Post by df on May 4, 2022 19:20:20 GMT
No losses for me since starting in March 2018 (according to my tax statement). My combined XIRR is currently 9.32%. Could your profit without active loans be due to the small amount of interest paid on unallocated cash? My current XIRR is 8.51% (investing since Dec 2016). At the beginning the rates were higher than today and there was a functioning PF. I've never had any big cash drags, my cash balance was always tidy. You must have a better strategy than I  Off-topic question. The profit displayed in my XIRR is exactly the same as in "Total Interest Paid and Accrued" on my UB dashboard. Are your figures the same? Can't get my head around this, "accrued" shouldn't be part of it... or is the title wrong, should it be just "total interest paid"?
|
|
|
|
Post by Ace on May 4, 2022 19:54:40 GMT
No losses for me since starting in March 2018 (according to my tax statement). My combined XIRR is currently 9.32%. Could your profit without active loans be due to the small amount of interest paid on unallocated cash? My current XIRR is 8.51% (investing since Dec 2016). At the beginning the rates were higher than today and there was a functioning PF. I've never had any big cash drags, my cash balance was always tidy. You must have a better strategy than I  Off-topic question. The profit displayed in my XIRR is exactly the same as in "Total Interest Paid and Accrued" on my UB dashboard. Are your figures the same? Can't get my head around this, "accrued" shouldn't be part of it... or is the title wrong, should it be just "total interest paid"? My quoted XIRR above includes some referral bonuses. Without those my XIRR is 8.82%. Yes, my figures match as well. The figures do include accrued interest. I don't usually include accrued interest in my figures, but it's just to hard to not include it on UB. Given that I've been lending there for over 4 years (6 for you) without losses I'm a bit more relaxed about it than I would be on other platforms.
|
|
ilmoro
Member of DD Central
'Wondering which of the bu***rs to blame, and watching for pigs on the wing.' - Pink Floyd
Posts: 10,845
Likes: 11,072
|
Post by ilmoro on May 4, 2022 20:37:14 GMT
No losses, XIRR 8.54 for 2021-22
|
|
dermot
Member of DD Central
Posts: 862
Likes: 517
|
Post by dermot on May 17, 2022 10:25:25 GMT
I think about 8.7% on non-ISA, though I've run that down almost to zero now, in favour of ISA.
OTOH, I have withdrawn £7.8K more than I put in, so happy with that.
All my recent loans have been in the ISA and I've not yet worked out my return, but expect it to be lower since interest rates fell compared to earlier non-ISA years.
|
|
