It is time for the July 2007 update of the IRR Lender “Game.”
This is going to be more about accomplishments during the last month rather than pure calculations. The actual numbers are at Prosper.com IRR Lender “Game” Tracking Page
So without further ado:
Highest IRR Model: leporello 2.61%
Largest IRR Model Improvement: Retireme99 by going from (7.53%) to (0.91%) he improved 6.62%.
Lowest IRR Model: Pensioner (13.82%)
Largest IRR Model Degradation: RateLadder by going from 5.75% to 0.57% he degraded (5.18%).
Highest IRR Best: LazyMan 20.59%
Largest IRR Best Improvement: Retireme99 by going from 13.14% to 16.31% he improved 3.17%.
Lowest IRR Best: Eric’s Credit Community 12.62%
Largest IRR Best Degradation: RateLadder by going from 17.61% to 15.27% he degraded (2.34%). I audited my spreadsheet and found that last month I was issing $175 of deposits. So the 17.61% was high.
The “game” is tracking portfolio IRR through time. We will be tracking both a best and worst case value. The best case assumes the entire account value will be received at the time of the update. The model case assumes that all loans 1 month or more late will be wroth zero.
Here is the “Game” definition: Prosper Lender IRR “Game”
Here is the a sample spreadsheet: Prosper IRR Spreadsheet.
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