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Post by loontik on Dec 29, 2016 7:25:12 GMT
Curios to know: "Is the Net Annual Return the only benchmark that you can use in analyzing your performance in P2P loans or do you consider other factors as well?"
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duck
Member of DD Central
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Post by duck on Dec 29, 2016 11:27:32 GMT
I don't think you can put a % value on sleeping easy at night  Which is why my 'gut feeling' is probably the determining factor, bad gut = bad sleep  That said, I analyse 'distressed loans' by platform and in total. Exposure per platform Exposure to individuals and linked borrowers. Exposure to individual/linked loans - this can be across several platforms. Interest received, running total for month and tax year by platform and in total. Expected term end. The confidence in this date depends on which platform the loan is with but it allows me to roughly calculate a projected cash flow. Personally I ignore platforms published net annual returns figures (and similar) preferring a good set of spreadsheets that give me the figures that I need to make lending/selling decisions.
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