High Return Portfolio Tracking – April & May Update

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 % Portfolio Balance Initial Investment – $20,000Current Balance – 21,636 Notes Status Loan Status Count Current 889 In Grace Period 11 In Review 1 Issued 52 Late (16-30 days) 7 Late (31-120 days) 11 If you have any concerns or questions you can always reach out to us at support@croudify.com and we can help you…

High Return Portfolio Tracking – March 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% Portfolio Details Initial Investment – US$ 20,000 Current Balance – US$ 21,157 Notes Status 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

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 only institutional investors.…

Alternate to Dream Achiever service

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 Loans is a perfect path…

Which Investment Option Should I choose ?

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) In detail Automate Portfolios Only $0.99 / month Available for Lending Club For New or existing accounts Superior returns than LC automation Perfect for New investors & busy professionals Chooses top 10% new loans across time Automatically sells loans that are under performing Builds a balanced portfolio  Trading Only $0.99 / month…

Automation Portfolios – Understanding what they represent and tracking their performance

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 manual Trading on Lending Club or use automation tools available on Lending Club Use services like…

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

  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 is proprietary to our modeling and provides us improved return discrimination…

Step 2 – Sampling Data for 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 average portfolio). Term Analysis The term selection decision was simple there…