By now you’ve probably seen my returns in peer to peer lending as well as some of the other bloggers in this space (Peter, Simon).  Today, I’m happy to feature Carl who I got to meet at LendIt this year. He has over 300k invested in Lending Club and his returns have been hovering above 11% using XIRR for 2014.  (If you’re interested in calculating your returns this way - check out this video)  Carl also began to sell his notes on FOLIOfn and it will be interesting to do a follow up early next year to see how his returns were affected.  It’s always nice to get a different perspective on things and certainly Carl isn’t the average p2p lending investor. In fact, he doesn’t employ any automation to pick his notes. Every note is hand picked.  Take it away Carl! [Read more…]