{"id":195173,"date":"2016-04-27T17:18:53","date_gmt":"2016-04-27T14:18:53","guid":{"rendered":"https:\/\/www.bondora.com\/blog\/?p=2949"},"modified":"2016-04-27T17:18:53","modified_gmt":"2016-04-27T14:18:53","slug":"road-towards-the-new-cash-flow-page","status":"publish","type":"post","link":"https:\/\/goandgrow.eu\/en\/blog\/road-towards-the-new-cash-flow-page\/","title":{"rendered":"Road towards the new cash flow page"},"content":{"rendered":"<p><a href=\"https:\/\/www.goandgrow.eu\/blog\/tracking-investments-cash-flow\/\">We developed the Cash Flow page<\/a> with the aim to build a useful analytical tool for you. We hope that you have already played around with the functionality and it has become the go-to place for getting an overview of payments coming in and out of your portfolio \u2013 either historical, actual or future.<\/p>\n<p><strong>Listening to our investors<\/strong><br \/>\nWe decided to fill you in on the journey how our investors helped us to develop the new Cash Flow page on-the-go and what we have learned from the whole process. It all began some time ago when our investors started to give us feedback that they were dissatisfied with the functionality and with the product in general. The main issue was that the old Cash Flow didn\u2019t offer enough choice and any further development was lacking due to our legacy technological system. We knew that we wanted to develop a fresh Cash Flow page that really fitted our investors\u2019 needs and becomes a tool that helps them calculate their portfolios productivity and also fits for both, passive and active investors.<\/p>\n<p>In addition to asking investors directly, we spent time talking to our investor support team who explained the most common questions and concerns and we also went through the \u201cI Have a Feature Request\u201d feedback from hundreds of investors. We understood that the way our old Cash Flow page was previously packaged did not reflect the&nbsp;investors&#8217; needs:<\/p>\n<blockquote><p><em>\u201cEvery month a new statistics layout &#8211; what a mess! Could you please stay with a transparent and reliable statistics page containing useful information? Any changes are always disturbing, especially if they do not improve but worsen the content and its presentation. The most important figure for me is &#8220;Payed interest plus principal VS planned principal repayment&#8221; daily and cumulated per month.\u201d<\/em><\/p><\/blockquote>\n<p><strong>Delivering the functionality<\/strong><br \/>\nToday we can say that our engineering team has fulfilled most of the investors&#8217; wishes and executed them fast. You must have also felt it from the amount of product updates we have released during the past months. The new Cash Flow page records the movement of all your investments and shows you ingoing and outgoing payments per loan basis &#8211; all this to help you measure your portfolio\u2019s performance as a whole.<\/p>\n<p><strong>To conclude, we highlighted 3 reasons why we at Bondora use the new Cash Flow page:<\/strong><\/p>\n<ul style=\"list-style-type: none\">\n<li><span style=\"color: green;font-weight: bold\">1. <\/span>To get a quick general overview of the portfolio from one place<\/li>\n<li><span style=\"color: green;font-weight: bold\">2. <\/span>It has the possibility to build custom forecast settings<\/li>\n<li><span style=\"color: green;font-weight: bold\">3. <\/span>It shows today&#8217;s and future payments at-a-glance<\/li>\n<\/ul>\n<p>As always, we appreciate and welcome your feedback on this journey to transform our investing product that you love to use:<\/p>\n<blockquote><p><em>\u201cThe new cash flow page is SUPER! Good job!\u201d<\/em><\/p><\/blockquote>\n<p><strong>VIDEO: A guide on how to understand your cash flow basics<\/strong><br \/>\nWe know that Cash Flow analysis can also seem to be a complex process. That\u2019s why this time we decided to guide you through our Cash Flow basics to explain a few concepts that are useful to understand. Cash flow provides an important source of data for investors and here\u2019s our new video on how to understand the most important features in case you have 5 minutes daily to spend on your portfolio.<\/p>\n<p><strong>Here is a summary of all the Cash Flow features our engineering team has executed<\/strong><\/p>\n<ul style=\"list-style-type: none\">\n<li><span style=\"color: green;font-weight: bold\">1. <\/span>Historic and future cash flow is combined into one table<\/li>\n<li><span style=\"color: green;font-weight: bold\">2. <\/span>Historic payments are split between current loans and loans in default as per the status active at the date of the payment<\/li>\n<li><span style=\"color: green;font-weight: bold\">3. <\/span>Day-level data that shows cash flow categorized per each investment<\/li>\n<li><span style=\"color: green;font-weight: bold\">4. <\/span>Forecast settings can be defined also for historic schedules so you can use cash flow based adjustments for predicting future payments<\/li>\n<li><span style=\"color: green;font-weight: bold\">5. <\/span>You can adjust your net return calculation based on the forecast settings defined in the cash flow report<\/li>\n<li><span style=\"color: green;font-weight: bold\">6. <\/span>Cash flow report will show the opening cash balance and closing cash balance for each period<\/li>\n<li><span style=\"color: green;font-weight: bold\">7. <\/span>Ability to define which data series to show on the chart and in the cash flow table<\/li>\n<li><span style=\"color: green;font-weight: bold\">8. <\/span>Historic planned schedules are split between current loans and loans in default<\/li>\n<li><span style=\"color: green;font-weight: bold\">9. <\/span>Cash flow table results can be exported to Excel<\/li>\n<li><span style=\"color: green;font-weight: bold\">10. <\/span>Account statement for the last 24 hours from Expert Center is incorporated into the cash flow report<\/li>\n<li><span style=\"color: green;font-weight: bold\">11. <\/span>Ability to filter to a specific loan in the Investments list straight through the cash flow report so you can quickly take loans off Secondary Market or put them there based on the information visible in the cash flow report<\/li>\n<li><span style=\"color: green;font-weight: bold\">12. <\/span>Ability to bookmark the cash flow day level view<\/li>\n<li><span style=\"color: green;font-weight: bold\">13. <\/span>Day level view shows detailed information about Secondary Market purchases\/sales, borrower username, investment number, country where the loan is from<\/li>\n<li><span style=\"color: green;font-weight: bold\">14. <\/span>Day level view is sorted by newest payments first<\/li>\n<li><span style=\"color: green;font-weight: bold\">15. <\/span>Loan number added to cash flow<\/li>\n<li><span style=\"color: green;font-weight: bold\">16. <\/span>&#8220;Planned Principal&#8221; includes partial early repayments<\/li>\n<li><span style=\"color: green;font-weight: bold\">17. <\/span>Settings includes &#8220;Cumulative Graph&#8221; option that shows how each period is added together incrementally and &#8220;Income Tax&#8221; option that you can include in the life time return calculation<\/li>\n<li><span style=\"color: green;font-weight: bold\">18. <\/span>In the &#8220;Forecast Settings&#8221; you see the highlighted suggestions that help you choose percentages based on your historical data<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>We developed the Cash Flow page with the aim to build a useful analytical tool for you. We hope that you have already played around with the functionality and it has become the go-to place for getting an overview of payments coming in and out of your portfolio \u2013 either historical, actual or future. Listening [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[117],"tags":[],"class_list":["post-195173","post","type-post","status-publish","format-standard","hentry","category-bondora-news"],"acf":[],"featured_image":null,"categories_names":["News"],"category_name":"News","_links":{"self":[{"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/posts\/195173","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/comments?post=195173"}],"version-history":[{"count":0,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/posts\/195173\/revisions"}],"wp:attachment":[{"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/media?parent=195173"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/categories?post=195173"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/tags?post=195173"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}