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[mothandrust]

If their ads said that negative ROI are likely, they probably wouldn't get much new business.

People still bought stocks and mutual funds in 2009 even though investors had a negative ROI in 2008 and some indexes (like Nasdaq) are negative over a 10 year period.

Some people had gains and some had losses--there's probably a bell-shaped histogram of mutual fund returns out there.

I don't see NYSE/Nasdaq running ads claiming 6-14% returns on the stocks on their exchanges.

[ira01]

If their ads said that negative ROI are likely, they probably wouldn't get much new business.

People still bought stocks and mutual funds in 2009 even though investors had a negative ROI in 2008 and some indexes (like Nasdaq) are negative over a 10 year period.

The general trend of stocks and mutual funds is upward over time.  Not so for Prosper.

[mothandrust]

http://www.prosper.com/help/topics/lender-cash-rebate.aspx

Lenders are doing well on Prosper since our relaunch in July

    * The average credit score for loans originated in September was 714.
    * The average yield to lenders is nearly 15.9%.
    * The average expected loss on the loans originated since inception is 5.9%.
    * The expected return to lenders is 10.0%.

[Senator]

http://www.prosper.com/help/topics/lender-cash-rebate.aspx

Lenders are doing well on Prosper since our relaunch in July

    * The average credit score for loans originated in September was 714.
    * The average yield to lenders is nearly 15.9%.
    * The average expected loss on the loans originated since inception is 5.9%.
    * The expected return to lenders is 10.0%.

Now we know where researchpro got his numbers from.