High Return Portfolio Tracking – April & May Update

April Returns – 10.1% May Returns – 10.0% This March – 2019 update is a follow-up to our March post Another 2 months and another 2 months of 10%+ returns:April – 10.1%May – 10.0 % Start Investment Journey Portfolio Balance Initial Investment – $20,000Current Balance – 21,636 Notes Status Loan StatusCount Current 889In Grace Period11In Review1Issued52Late (16-30 days)7Late (31-120 days)11 Start Investment Journey If you have any concerns or questions you can always reach out to us at support@croudify.com and we…

High Return Portfolio Tracking – March Update

High Returns PortfolioMarch 2019 – Update This March – 2019 update is a follow-up to our February post March – 2019 was another good month for our portfolio. We clocked in a return of 10.37% Start Investment Journey Portfolio Details Initial Investment – US$ 20,000 Current Balance – US$ 21,157 Notes Status Start Investment Journey If you have any concerns or questions you can always reach out to us at support@croudify.com and we can help you get started on this exciting journey.

High Return Portfolio Tracking

High Returns Portfolio6 month check-in Have you ever wanted to invest in Loans just like Banks and hedge funds do ? Yes, we too. Between the eye-opening historical returns and the opportunity to invest in something other than stocks and bonds…it seemed like a no-brainer. The only problem? Without a small fortune or having to pay high hidden fees, we couldn’t find a way to get in the game. That’s because Loan investing is an asset class that was historically open to…

Alternate to Dream Achiever service

Paths to Achieve your Dream Congratulations on taking the first path towards achieving your financial dreams, you are choosing a perfect asset class for growing your wealth. Loans not only provide diversification from the stocks but they are a fixed income assets. Being a fixed income asset you can be way more confident  about the returns that you will get (if risk is managed properly), thus allowing you to invest for a fixed term and plan for future. Investing in…

Which Investment Option Should I choose ?

What is best for me ? In one Statement Automation – Professional looking for superior returnsTrading – Investment veterans looking for microscopic controlDream Achiever – Fixed term dream (Buy home/car in 5 Years) Start My Investment Journey In detail Automate Portfolios Only $0.99 / monthAvailable for Lending ClubFor New or existing accountsSuperior returns than LC automationPerfect for New investors & busy professionalsChooses top 10% new loans across timeAutomatically sells loans that are under performingBuilds a balanced portfolio  Start My Investment Journey…

Automation Portfolios – Understanding what they represent and tracking their performance

Portfolio returns are volatile so choose a combination of returns and volatility to make your decision  Any investor looking to diversify their investment portfolio needs to look at investing in loans as an investment class. We have described in detail what you should do with your bigger portfolio in detail here (Why Loans should constitute 20% of your portfolio) .  Once you have decided to invest in loans and open an account on Lending Club there are two options: Do…

Why Loans should constitute 20% of your Portfolio

Traditional Portfolio Allocation {100 – Age = Equity Allocation} For decades a rule of thumb for asset allocation has used fixed income component to be equal to your age. For example,  if you are 20 years old the fixed income component should be 20%, rest 80%  (100 – your age) should be equities. As you age you increase this fixed income component proportionately and so on. The idea was when you are young you have more time to recover if…

Client Agreement

You (the “Client”) and Croudify, a California LLC (KITE LLC DBA Croudify) (“Croudify”), agree to enter into a platform usage relationship which will allow Croudify to access  your direct lending account.    This Agreement is effective as of the first day such an account is opened.  In consideration of the  mutual covenants herein, Client and Croudify agree as follows: I.            Services Client retains Croudify to issue trading instructions and to manage a securities account established and owned by Client at the…

Step 3 – Modeling and Comparing Performance

Croudify Model outperforms any Lending Club model by 2% (+40% net)   This is the last blog in this series. The 1st blog was written  here and the 2nd blog is here. In this blog we will talk about our modeling approach and compare the performance of the model to the average returns for various ratings on the Lending Club platform. For our model we use a combination of XGBoost and stacking techniques. While gradient boosting is well defined stacking is something that…

Step 2 – Sampling Data for Modeling

Choosing the right sample is the first step in successful modeling This blog is part 2 of the 3 part series . The first blog was written here. Introduction Now that we have benchmark the data to validate its completeness and accuracy. The next step in our journey towards finding returns is find the loan term and Loan ratings that we should invest in to get alpha in returns (alpha – higher return (sometimes called unnatural) compared to risk of an…