Portfolio Management
The Portfolio section is your investment management hub for tracking positions, monitoring returns, and managing pool stakes.
Dashboard Overview
Key Metrics
| Metric | Description |
|---|---|
| Total Value | Combined worth of all investments |
| Total Returns | Overall gains/losses ($ and %) |
| Position Count | Number of active pools |
| Pending Unstakes | Shares in cooldown |
Position Tracking
Each position displays:
| Field | Description |
|---|---|
| Pool Name | Lending pool identifier |
| Staked Amount | Original USDC deposited |
| Current Value | Value at current share price |
| Shares Held | Number of pool shares |
| Unrealized Return | Pre-unstaking gains/losses |
| Realized Return | Completed unstake returns |
| Stake Date | When you first staked |
| Last Activity | Most recent transaction |
Position Status
| Status | Description |
|---|---|
| Active | Earning yield normally |
| Unstaking | In 7-day cooldown period |
| Withdrawable | Ready to complete withdrawal |
Performance Metrics
Return Calculation
Unrealized Return = Current Value - Total Staked
Return % = (Unrealized Return / Total Staked) × 100
Time-Weighted Returns
For accurate performance measurement:
- Accounts for deposit/withdrawal timing
- Comparable across different stake dates
- Shows true investment performance
Benchmark Comparison
| Investment | Typical Yield |
|---|---|
| Locale Pools | 6-15% |
| Treasury Bills | 4-5% |
| Savings Account | 0.5-1% |
| Traditional Lending | 3-8% |
Transaction Management
Transaction Types
| Type | Description |
|---|---|
| Stake | USDC deposited into pool |
| Unstake Request | Cooldown initiated |
| Unstake Complete | USDC withdrawn |
| Yield Claim | Yield withdrawn (future feature) |
Transaction History
Access via Portfolio > Transactions:
- Complete history of all transactions
- Filter by pool, type, or date
- Search by transaction hash
Export Options
Download transaction data in:
- CSV — For spreadsheets
- JSON — For programmatic use
- PDF — For records/tax
Risk Monitoring
Concentration Limits
Recommendation: No single pool > 30% of portfolio
Example Portfolio ($100,000):
✅ Pool A: $25,000 (25%)
✅ Pool B: $30,000 (30%)
✅ Pool C: $25,000 (25%)
✅ Pool D: $20,000 (20%)
❌ Avoid:
Pool A: $50,000 (50%) — Too concentrated
Pool Health Indicators
Monitor these metrics per pool:
| Indicator | Healthy Range |
|---|---|
| Utilization | 60-80% |
| Default Rate | < 2% |
| Average DSCR | > 1.25 |
| Concentration | Top 10 loans < 30% |
Alerts
Set alerts for:
- Pool utilization changes
- Default events
- Share price movements
- Unstake completion
Portfolio Actions
Stake More
Add to existing positions:
- Navigate to Portfolio > [Pool]
- Click Stake More
- Enter amount
- Confirm transaction
Unstake
Request withdrawal:
- Navigate to Portfolio > [Pool]
- Click Unstake
- Enter shares to unstake
- Confirm (starts 7-day cooldown)
Complete Withdrawal
After cooldown:
- Navigate to Portfolio > [Pool]
- Status shows Withdrawable
- Click Complete Withdrawal
- USDC returned to wallet
Tax Considerations
Record Keeping
Maintain records of:
- Stake dates and amounts
- Unstake dates and amounts
- Yield received
- Gas fees paid
Tax Events
Potential taxable events (consult tax advisor):
- Unstaking at profit
- Yield claims
- Token conversions
Reports
Generate annual summaries:
- Portfolio > Reports > Annual Summary
- Shows total interest earned
- Cost basis tracking
Best Practices
Regular Review
- Weekly: Check position values
- Monthly: Review pool health metrics
- Quarterly: Rebalance if needed
Documentation
- Save transaction receipts
- Track cost basis
- Note investment decisions
Security
- Use hardware wallet for large positions
- Enable wallet notifications
- Review connected apps regularly
Next Steps
- Yield Calculation — How returns are calculated
- Risk Assessment — Evaluating pool risk
- Withdrawals — Withdrawal process