We’re excited to announce the addition of performance reporting – an evolution of the investments page. This enables investors to easily view the results of investments at anytime. Additionally, investors can see the performance of their AutoInvest portfolio versus individually selected loans.
Investors can see how their accounts are performing through the following components: Net Annualized Return (NAR)
- Net Annualized Return (NAR)
- Account Value
- Interest received with a payments summary
- Portfolio Risk Score
NET ANNUALIZED RETURN (NAR)
The first set of information you will notice is net annualized return (NAR) which is a measurement of the performance of your total investment on BTCjam. It reflects the payments actually received each month.
The returns are calculated by simply projecting all the current loans as fully repaid and all late loans as defaulted. The annualization assumes that all your capital will be reinvested in similar loans.
For note trading, the amount you pay for a note is added as principal invested. All the payments you get from a note are fully added to your returns.
You can see the chart with the breakdown by listing grade you invested in (from A to D) and also how your AutoInvest plans are performing against the average NAR of other investor’s AutoInvest plans.
NAR is calculated dynamically taking into account all information available at the time. This only reflects your return starting with funds invested on or after April 1st, 2014, as this is when BTCjam started using this calculation.
Account Value offers a great way to see your total account value and it’s segmented by what is available cash in bitcoin (converted to your display currency), accrued Interest, in funding investments, and outstanding principal.
Interest received is segmented by score group where the allocation percentage to the left is based on the total amount received.
Your payments summary shows the total amount you have received in payments. It is a sum of payments to date, principal received, interest received, and late fees received.
PORTFOLIO RISK SCORE
Portfolio risk is based upon the number of investments you have made along with the consistency of amounts in each loan. The risk range is expressed as Low, Moderate, or High. The lower the risk is, the higher the probability of the portfolio achieving the expected NAR¹.
To reduce risk, diversify your portfolio by investing the exact amount on each loan you want to participate in². The best way to do that is through an AutoInvest plan: set the parameters and let our system automatically invest in hundreds of loans for you.
With this recent development and many more exciting things in our pipeline, we welcome you to try this new feature for your own account. If you’re not a current member, create an account. Enrollment process is simple and you can earn up 18% returns on your bitcoin³.
¹ Information in this chart is for information only. It is impersonal and not individualized for any specific investor’s financial situation and it is not investment advice. This chart is not intended to be, nor should you interpret it to be, a prediction of how a particular portfolio will actually perform. You should always carefully consider investments and should be comfortable with your understanding of the investment. You may also consider consulting investment professionals.
² This information is not intended to be investment advice. Loans invested in via BTCjam are not guaranteed or insured, and investors may lose some or all of the principal invested. You should consult your financial advisor if you have any questions or need additional information. Actual results may vary.
³ Historical performance is not a guarantee of future results. Loans invested in via BTCjam are not guaranteed or insured, and investors may lose some or all of the principal invested.