In the third quarter of 2017, my net worth increased to $839,107 and overall IRR decreased to 11.04%. My IRR suffered from large cash drag. I had over $300,000 sitting in my bank for 3 months due to no LexShares offerings. In the end I gave up on LexShares and invested all in YieldStreet.

Net Worth: $839,107

Account 2017Q3 2017Q4 Change
Cash $333,774 $68,837 $264,936
Lending Club $31,419 $31,977 $558
Direct Lending Income Fund $231,441 $134,614 $96,826
Groundfloor $27,040 $27,040 $0
iFunding $0 $0 $0
LexShares $407,500 $407,500 $0
YieldStreet $0 $250,178 $250,178
Debt ($218,326) ($81,039) $137,287
Total $812,846 $839,107 $26,260
Key Factors
  • Earned Income
    • Salary: $23,642
    • RSU: $20,736
  • Portfolio Income
    • Lending Club: $558
  • Passive Income
    • Direct Lending Income Fund: $3,174
    • YieldStreet: $178

Internal Rate of Return (IRR): 11.04%

Account Allocation XIRR (TTM) XIRR (TOT)
Lending Club 3.76% (1.85%) 5.04%
Direct Lending Income Fund 15.81% 9.06% 10.12%
Groundfloor 3.18% 4.17% 5.15%
iFunding 0% 26.38% 15.36%
LexShares 47.87% 33.39%
YieldStreet 29.39% 9.05%
Total 100% 15.24% 11.04%
  • Lending Club account values are based on Adjusted Account Value
  • Started investing with LexShares in March 2017
  • Started investing with YieldStreet in December 2017