Net Worth: $636,013

Account 2016Q4 2017Q1 Change
Cash $42,845 $20,650 $22,195
Lending Club $43,878 $59,096 $15,218
Direct Lending Income Fund $792,181 $811,172 $18,991
Groundfloor $5,190 $2,690 $2,500
iFunding $100,000 $100,000 $0
LexShares $0 $15,000 $15,000
Debt ($360,996) ($372,595) $11,598
Total $623,097 $636,013 $12,916
Key Factors
  • Earned Income
    • Salary: $18,837
    • ESPP: $6,816
  • Portfolio Income
    • Lending Club: $782
    • Groundfloor: $261
    • Robinhood: $6,187
  • Passive Income
    • Direct Lending Income Fund: $18,991
    • iFunding: $2,000
  • Expenses
    • Tax Return: $24,100

Return On Investment (ROI): 7.93%

Account Allocation XIRR (TTM) XIRR (TOT)
Lending Club 5.98% (9.52%) 5.36%
Direct Lending Income Fund 82.11% 10.40% 10.59%
Groundfloor 0.27% 9.05%
iFunding 10.12% 5.03%
LexShares 1.52% 0%
Total 100% 7.93% 8.77%
  • Lending Club account values are based on Adjusted Account Value
  • Started investing with Groundfloor in March 2016
  • Started investing with iFunding in September 2016
  • Started investing with LexShares in March 2017

Commentary

Total credit card debt has increased due to tax payments. I took advantage of 0% APR offers from Bank of America and American Express to pay my taxes, and used the credit card rewards to offset the tax payment convenience fee.