In the first quarter of 2016, my net worth increased to $524,930 and overall IRR increased to 10.18%. My Lending Club account has been slowly winding down. $195,000 were withdrawn so far, and another $105,000 will be liquidated over the next few months. The objective is to remove the full amount of the original deposit and have the taxable account left with the $15,000 earned interest.

Net Worth: $524,930

Account 2015Q4 2016Q1 Change
Cash $10,081 $27,438 $17,357
Lending Club $177,860 $154,690 $23,170
Direct Lending Income Fund $487,118 $500,187 $13,068
Groundfloor $0 $5,000 $5,000
Debt ($174,840) ($162,385) $12,455
Total $500,220 $524,930 $24,710
Key Factors
  • Earned Income
    • Salary: $14,084
    • ESPP: $10,524
  • Portfolio Income
    • Lending Club: $1,830
  • Passive Income
    • Direct Lending Income Fund: $13,068

Internal Rate of Return (IRR): 10.18%

Account Allocation XIRR (TTM) XIRR (TOT)
Lending Club 23.44% 5.61% 8.25%
Direct Lending Income Fund 75.80% 10.89%
Groundfloor 0.76% 0%
Total 100% 8.90% 10.18%
  • Lending Club account values are based on Adjusted Account Value
  • Started investing with Direct Lending Income Fund in April 2015
  • Started investing with Groundfloor in March 2016