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Portfolio Management

The Portfolio section is your investment management hub for tracking positions, monitoring returns, and managing pool stakes.

Dashboard Overview​

Key Metrics​

MetricDescription
Total ValueCombined worth of all investments
Total ReturnsOverall gains/losses ($ and %)
Position CountNumber of active pools
Pending UnstakesShares in cooldown

Position Tracking​

Each position displays:

FieldDescription
Pool NameLending pool identifier
Staked AmountOriginal USDC deposited
Current ValueValue at current share price
Shares HeldNumber of pool shares
Unrealized ReturnPre-unstaking gains/losses
Realized ReturnCompleted unstake returns
Stake DateWhen you first staked
Last ActivityMost recent transaction

Position Status​

StatusDescription
ActiveEarning yield normally
UnstakingIn 7-day cooldown period
WithdrawableReady 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​

InvestmentTypical Yield
Locale Pools6-15%
Treasury Bills4-5%
Savings Account0.5-1%
Traditional Lending3-8%

Transaction Management​

Transaction Types​

TypeDescription
StakeUSDC deposited into pool
Unstake RequestCooldown initiated
Unstake CompleteUSDC withdrawn
Yield ClaimYield withdrawn (future feature)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:

IndicatorHealthy Range
Utilization60-80%
Default Rate< 2%
Average DSCR> 1.25
ConcentrationTop 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:

  1. Navigate to Portfolio > [Pool]
  2. Click Stake More
  3. Enter amount
  4. Confirm transaction

Unstake​

Request withdrawal:

  1. Navigate to Portfolio > [Pool]
  2. Click Unstake
  3. Enter shares to unstake
  4. Confirm (starts 7-day cooldown)

Complete Withdrawal​

After cooldown:

  1. Navigate to Portfolio > [Pool]
  2. Status shows Withdrawable
  3. Click Complete Withdrawal
  4. 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​