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…

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…

Croudify Ratings – Framework & Scale

Probability of Default Distribution for Unsecured Consumer Loans originated on P2P platforms

Introduction Online Lending (Peer 2 Peer & Crowdfunding) has emerged as a great alternative to traditional banks in lending industry over the last decade. They have provided cheaper loans to borrowers by removing the inefficiencies in the lending ecosystem and in process have  created a whole new asset class for investors.  These assets are mostly fixed-income, unsecured consumer loans and can provide great returns if managed properly. Currently, there is no simple way to analyze these assets and provide ratings…

High Speed Trading Engine

High Speed trading for P2P Loans on Lending Club

At Croudify we feel pride in knowing that we are doing our best to get our investors the best returns that they can get. An important part of getting good returns is finding the best loans to invest in. With various funds using the scripts to buy the best loans a lot of retail investors were left choosing from the leftovers and sometimes found it hard to deploy the cash. This prompted us to create our High Speed Trading Engine. The trading…

Security Policy

Founded by Risk and Security veterans we are fanatic about safety and security of our site and our users. Our policies and encryptions are best in the industry and we are constantly striving to improve these. We never share your private information with any third party for any marketing firm. Web Site Certificates & Encryption Croudify uses the strongest encryption and validation available in the industry. Our trading Platform is protected by 2048 bit encryption key (similar to any big…