Allocating a large percentage of the total portfolio to Lending Club was a big mistake. The actual ROI was much lower than the projected ROI, and liquidation was painful. It was not a good investment overall. The performance of DLIF is much more stable and predictable. I’ve stopped reinvesting all accounts for the foreseeable future. I’ll continue winding down all Lending Club accounts. I plan to transfer Roth IRAs from Lending Club to Vanguard.