vmail
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Post by vmail on Jan 11, 2017 22:36:46 GMT
Currently, I have invested with SS[18.3% ROI], FS[7.8% ROI], MT[29.6% ROI], AC[314.5% ROI] (In capital order). I think the ROIs are correct, the ROI is based on the current balance. Overall ROI is 15.1%.
I may require my capital in 9-12 months time. At the moment there are some investments are "stuck" in FS, AC, SS (In order)
I'm thinking of transferring the capital from FS and AC to SS and MT. A quick calculation shows that I would lose out on £964.23 interest because of the different interest rates.
Are there any other P2P sites where the rate is around 12% and SM is fluid?
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fp
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Post by fp on Jan 11, 2017 22:43:57 GMT
SS and MT would be my choice for high rates and current liquidity.
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Post by BrianC on Jan 12, 2017 0:49:49 GMT
314% ROI in AC!? They've only been around since April 2013 so I think you're numbers are wrong!?
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Neil_P2PBlog
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Post by Neil_P2PBlog on Jan 12, 2017 1:29:21 GMT
Currently, I have invested with SS[18.3% ROI], FS[7.8% ROI], MT[29.6% ROI], AC[314.5% ROI] (In capital order). I think the ROIs are correct, the ROI is based on the current balance. Overall ROI is 15.1%. I may require my capital in 9-12 months time. At the moment there are some investments are "stuck" in FS, AC, SS (In order) I'm thinking of transferring the capital from FS and AC to SS and MT. A quick calculation shows that I would lose out on £964.23 interest because of the different interest rates. Are there any other P2P sites where the rate is around 12% and SM is fluid? Collateral would be worth a look. ROIs look a bit high?
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vmail
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Post by vmail on Jan 12, 2017 2:06:08 GMT
314% ROI in AC!? They've only been around since April 2013 so I think you're numbers are wrong!? ROI might not be the right word. There's about £600 of the original capital left, the remaining balance is a lot higher, because the remaining balance also includes interest earned when I had more capital in AC.
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Post by trentenders on Jan 12, 2017 8:12:04 GMT
Your version of ROI appears pretty meaningless. What do you think that it tells you about your investment, other that that you're in positive territory with a platform?
Interest earned minus fees and defaults might be a better calculation for you to use...
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Post by lynnanthony on Jan 12, 2017 8:38:31 GMT
IMHO the best meaningful rate of interest to quote is XIRR (a function in Excel and presumably elsewhere) - you enter what you invested and when, what you withdrew and when, and how much is there today. My figure for AC is 7.99% for this financial year so far. MT is 10.62%.
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vmail
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Post by vmail on Jan 12, 2017 9:23:30 GMT
IMHO the best meaningful rate of interest to quote is XIRR (a function in Excel and presumably elsewhere) - you enter what you invested and when, what you withdrew and when, and how much is there today. My figure for AC is 7.99% for this financial year so far. MT is 10.62%. I will have a look at the scary XIRR
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vmail
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Post by vmail on Jan 12, 2017 9:47:08 GMT
What am I doing wrong? The XIRR value shows as #NUM! Attachments:
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bigfoot12
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Post by bigfoot12 on Jan 12, 2017 9:51:27 GMT
You need to have some positive and some negative numbers. One will represent payments you have made and the other will represent payments received (and also the current value).
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SteveT
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Post by SteveT on Jan 12, 2017 9:54:33 GMT
What am I doing wrong? The XIRR value shows as #NUM! Enter your cash deposits (into the platform) as negative numbers, your cash withdrawals (from the platform) as positive numbers, and your current assessment of "total account value" as a positive number (dated today, as if you were withdrawing it today). For example: 01/01/2014 -£1,000.00 01/01/2015 -£1,000.00 01/01/2016 -£1,000.00 01/01/2017 £500.00 12/01/2017 £2,925.20 should give XIRR = 6.68%
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amphoria
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Post by amphoria on Jan 12, 2017 11:26:54 GMT
The final balance has to be a positive number. With that change your XIRR is 13.75%.
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vmail
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Post by vmail on Jan 12, 2017 11:32:20 GMT
I just saw that
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vmail
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Post by vmail on Jan 12, 2017 12:02:10 GMT
I'm just trying to figure out how to get XIRR to work with dis-contiguous range eg =XIRR((J4:J23,J1),(K4:K23,K1)), but for some reason it's not working
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SteveT
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Post by SteveT on Jan 12, 2017 12:09:03 GMT
I'd suggest you create a specific table of payments in the format it expects, which you can always link from your existing source data
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