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…

Which Investment Option Should I choose ?

What is best for me ? In one Statement Automation – Professional looking for superior returns Trading – Investment veterans looking for microscopic control Dream Achiever – Fixed term dream (Buy home/car in 5 Years) Start My Investment Journey In detail Automate Portfolios Only $0.99 / month Available for Lending Club For New or existing accounts Superior returns than LC automation…

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…

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…

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…

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…

Who Will win the 2018 FIFA World Cup ? – Model Thinking

The Soccer World Cup kicked off today in Russia. In first game Russia slayed minnows Saudi Arabia by a margin of 5-0. Though, the main focus is on games involving Latin American and European teams, it was a great start of the tournament. If you are mad about data and predictions like us or a crazy fan you have been…

Step 1 – Benchmarking Data

Making sure data is correct prevents Garbage In = Garbage out problem This blog is part 1 of the 3 part series . Introduction While Analyzing any model first step is to benchmark the data that is being used to build the model. The old adage of “Garbage in = Garbage out” can not be more strongly emphasized in case…

Building your Dream Achiever Portfolio

  Saving money is hard. If by working hard you are able so save some money  investing it intelligently to get good returns that align with your dreams is nearly impossible. At Croudify we are here to help. If you go by default choice of many consumers and put your hard earned money in a savings account you will get…