Diversification
100 Notes
Diversification can lead to more predictable returns.
Over 98.88% of all investors with 100 or more Notes have experienced positive returns, while 85.26% have returns between 6% and 18% as of January 11, 2012. You can purchase 100 Notes with a minimum investment of $2,500.
400 Notes
Diversification can lead to more predictable returns.
Over 99.8% of all investors with 400 or more Notes have experienced positive returns, while 90.28% have returns between 6% and 18% as of January 11, 2012. You can purchase 400 Notes with a minimum investment of $10,000.
800 Notes
Diversification can lead to more predictable returns.
Every single investor with 800 or more Notes has experienced positive returns, while 92.19% have returns between 6% and 18% as of January 11, 2012. You can purchase 800 Notes with a minimum investment of $20,000.*
For the latest statistics, visit our real time statistics page.
What is diversification?
Diversification is a way of managing investment risk where you spread your dollars across many different investments to reduce the exposure to and the risk of a single investment. Investing in a combination of assets that are not correlated can lead to a return with lower volatility and less unique risk.
Example
Say you have $5,000 to start investing in Lending Club Notes. You can either invest:
- $5,000 in 1 borrower or
- $25 in 200 different borrowers.
If you invest in one borrower and that borrower becomes delinquent, you may potentially lose 100% of your total investment amount.
If you invested in 200 different borrowers and that same borrower became delinquent, your potential loss would be limited to 0.5% of your total investment amount.
How you can diversify.
Select Notes.
Browse Notes, and pick the borrowers you want to invest in one by one, for maximum control. You will find credit and loan information in each listing and you can even ask a borrower questions for additional diligence.
Use our portfolio tool.
You can use our portfolio tool to help you develop a diversified portfolio in seconds. The greater the number of different borrowers you invest in, the greater your diversification.
Get help, open a PRIME Account.
Get help administering a diversified Lending Club account as well as gain greater access to our Investor Services team.
Contact Investor Services for more information:
Toll free: (888) 596-3159
investing@lendingclub.com
* Return calculations based on accounts that have invested in 800 or more unique borrowers. 800 Notes can be purchased with $20,000. All data as of January 11, 2012. The availability of Notes/unique borrowers is dependent on your investment criteria. There is no guarantee that you will be able to invest in 800 or more Notes/unique borrowers promptly, if at all. The foregoing is not directed to the specific investment objectives, financial situation or investment needs of any particular person and should not be considered investment advice. You should consider reviewing the prospectus with a financial advisor prior to investing. Past performance is no guarantee of future results.
Lending Club Notes are offered by prospectus filed with the SEC. Please consider the risks of investing.
PRIME Account
Looking to maximize your returns with minimal effort?
Consider opening a PRIME Account. Get greater access to our Investor Services team.
