I noticed larger than usual account value fluctuation and adjusted annualized return number of my account. Initially I thought it was due to late payments and cures from late. But I didn't see many loan status changes while observing unusual account value. I finally noticed that lendingclub doesnt include pending trading settlement in account value calculation and traded account return calculation. No wonder I see negative returns on my trading account even though my discounted sales of late loans( I manually sold a few very late loans to gauge market response) are much less than my buys.
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