18% - too good to be true?

Two accounts; one stands at 13% the other (hers) at 15.5%, and no exposure to the plumber. 

11.25 here. Plumby snagged me but otherwise reduced my holdings on most other problem ones before they became a problem. Compared to some of the above I must be guilty of a wimpy strategy but at least I sleep OK.  

Excel has a built in function called XIRR for calculating real rate of return, useful for comparing with say savings accounts. It takes into account dead time, which dare I suggest none of the figures quoted above do?

My XIRR figure after 18 months feeding money into Assetz is 9.23%. No losses to take into account so far. I very rarely get into loans below 10% and I have been into some of the 15% / 18% loans. My "current rate" on the dashboard is 10.6%.

(I continually refine my lending strategy such as it is, and have decided that longer term loans (2yr, 3yr) at 10% or 11% are a better bet than short term loans at higher rates. IMHO.)

I didn't code that figure so I'd need to double check but I believe it's just a simple weighted average of your current holdings.  There are plans to add an XIRR figure to the dashboard but there have been other higher priorities to deal with first.

Mine also 12.34% with only a 1% exposure to the dodgy plumber. Much larger exposure to Ippy and Eppy though, so...............?

I'm only at 11.26 % and due to drop as I've more than I should have in the plumber.  Upped my investment in it as a temporary store for month or 2 (or so I thought) as there was so little to reinvest in with the lack of loans coming through.

I'm curious did those with returns higher than 13% buy more of the defaulted loans once they were in default or is it due to being early investors in AC when rates were a bit larger ?