P2P Portfolio Analytics(December’2018)

Wish you all a very happy new Year

I am publishing my latest P2P returns and performance.Will also provide comparison with my last month portfolio performance.I have evaluated more than 10-11 platforms before investing in these

Portfolio Synopsis: I have been  investing in 3 platforms actively for the past 12 months. I have added couple of more platform

Portfolio Composition

 

I have added Cashkumar and Rupee circle to my portfolio while reduced my exposure in Faircent .

  • Calculating Portfolio Performance:( I have covered methods to calculate portfolio performance in my earlier report(November)

LendenClub (use code LDC11989 to get discount) : For lenden I have used conservative NPA approach where any delay more than 45 days past due date is considered default and written off)

 

 Provision I have kept as  the amount of NPA I can tolerate to get 10% Return on my investment,

My ROI in Lenden has improved thus now I can tolerate higher NPA (reason is I have been investing in 40%+ interest loans ,thus I have higher appetite to book npa)

Future EMI

I2I Funding:

My december ROI has declined as i recently put one big loan in NPA because of EMI delay though it might not default in future. It was an old investment as now I dont invest more than 5000 per borrower in I2I to avoid concentration risk

Future EMI:

Faircent:

 

I am in the process of unwinding Faircent portfolio

Future EMI

:

Now lets see Total portfolio Performance and Strategy

   

 

Returns look fine considering I have been Conservative in my calculation.Replacing Faircent with other p2p should increase the ROI over next 3 months

Now lets see the future EMI

 

 

As  I had invested more in short term I have lot of inflows in the near future and thus need to balance out my lending long term

 

Strategy Going Forward:

 

  • Move all Faircent EMI to Lendenclub(better risk adjusted Return)
  • Monitor  Investment in RupeeCircle and grow book(use code PIND145 while registering to get portfolio analysis reports)
  • Increase investment in I2I  (use referral to get portfolio analysis https://www.i2ifunding.com/referral/ud8cwng83/invest   )
  • Increase investment in cashkumar( positives are:short term loans(<6 months), overall good platform performance with low npa, high interest)  Mail me for referral !
  • Will Run Portfolio analysis next month again and compare results

People who wish to construct a quantitative P2P portfolio can mail me.

 

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