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Post by popeye on Oct 28, 2019 13:47:13 GMT
Hello
On my Classic account, the annual tax statement gives me a view of how my lending is performing on an annual basis. However, I can’t find any way of seeing the equivalent for my ISA - the annualised return figure is since I started lending which masks annual variation.
Can anyone recommend a way of monitoring annual (or other periodic) performance on my ISA account?
Thank you
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keitha
Member of DD Central
2024, hopefully the year I get out of P2P
Posts: 4,430
Likes: 2,552
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Post by keitha on Oct 28, 2019 16:56:59 GMT
log in same date every month and record
Value of holding
interest
fees
defaults
recoveries
into a spreadsheet
then you can do maths on fields
is there not a tax statement on ISA
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Post by popeye on Oct 28, 2019 21:00:12 GMT
Hi
Thanks. Unfortunately, I haven't been diligent so don't have the historic records. Sounds like there's no way I can see my returns in the last year. There's no tax statement functionality in the ISA account presumably because tax isn't applicable.
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keitha
Member of DD Central
2024, hopefully the year I get out of P2P
Posts: 4,430
Likes: 2,552
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Post by keitha on Oct 29, 2019 15:48:21 GMT
you could download the transaction statements for each month then sort by type of payment so you can see interest separate from principal and subtract FC fees
it takes time but ...
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Post by popeye on Oct 30, 2019 8:30:31 GMT
From what I can see, that wouldn’t include defaults (and recoveries) in the period so wouldn’t give me an accurate picture of net returns. Feels too hard!
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Post by Deleted on Oct 30, 2019 9:45:59 GMT
Hi, the transaction analysis does include recoveries. It does include defaults as well as they are still purchases. Download each month and combine into one long list, add a month column and create a pivot table. You have to use "text to colums" to split the description column. Search by "recover" so separate rocoveries from repayments if you want. Defaults are shown on the portfolio download and the values do not change once a loan has been defaulted.
It worth doing, but I'm not sure how valuable a calendar year analysis is. A full analysis from the start works well.
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Post by popeye on Oct 30, 2019 20:06:43 GMT
I’ll give it a go. Thanks very much for all the advice.
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