The terms and numbers you see on your portfolio can often be difficult to understand or misinterpreted. Here, we break them down for you in simpler terms:
Total Deposits: The total amount of deposits made that have been allocated to your Investor account
Total Withdrawals: The total amount of withdrawals that have been requested, including pending requests
Total Invested: Your total cumulative Investment amount which includes the re-investments from your repayments
Annualised Portfolio Performance: Weighted average annualised returns based on all the notes that you have Invested in, less the proportion of your defaulted Principal.
Investment returns: Total Interest, Late Interest, Early repayments received on all Invested notes
Bonus received: Cash-backs and promotional offers
Expenses: Service fees + Withholding taxes
Service fees: The fees that Funding Societies charges Investors on their Interest earned from successful repayments - currently at 18%
Withholding taxes: Tax withheld for any non-Singapore tax resident on interest earned
Net income: Investment returns + Bonus received - Expenses. It does not factor in principal defaulted.
No. of investments: The total number of notes on your Portfolio that you have invested in, not including ongoing Crowdfunds.
No. of ongoing investments: The number of notes on your Portfolio that have not been completed and defaulted.
Expected returns(S$): The total amount of Interest expected to be received, from the total invested amount.
Annualised portfolio performance (p.a): Weighted average annualised returns based on all the notes that you have Invested in, less the proportion of your defaulted Principal.
Due unpaid this month(S$): Outstanding amount and defaulted payment from previous month will be accumulated here.
Expected repayments this month(S$): The total principal and interest expected to be received in the current calendar month inclusive of defaulted notes and payments already distributed to investors.
Outstanding principal (exposure)(S$): Total Principal of all investments - Total Principal received.
Current Principal defaulted(S$): The total amount of your Invested principal on notes that have defaulted.
Upcoming Repayments: The expected principal and interest on notes Invested over the next 6 months, excluding defaults
To understand more about repayment schedules and status, take a look at this article:
To understand more about the status of notes that you have invested in, take a look at this article: