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📊 Portfolio Management Guide

This guide provides detailed information on how to effectively manage your investment portfolio on the ChainMove platform, track performance, and optimize your returns.

Table of Contents​

Portfolio Dashboard​

Overview Section​

  • Total Invested: Sum of all your investments
  • Current Value: Current market value of your portfolio
  • Total Returns: All-time earnings (interest + principal)
  • Annualized Return: Weighted average return across all investments
  • Cash Balance: Available funds for new investments

Investment Allocation​

  • By Vehicle Type: Cars, SUVs, Trucks, etc.
  • By Risk Level: Conservative, Moderate, Aggressive
  • By Term Length: Short (less than 12m), Medium (12-36m), Long (more than 36m)
  • By Status: Performing, Late, Defaulted, Paid Off

Recent Activity​

  • New investments
  • Interest payments received
  • Principal repayments
  • Secondary market transactions
  • Account deposits/withdrawals

Performance Metrics​

Key Performance Indicators (KPIs)​

MetricDescriptionIdeal Range
Current YieldAnnualized return on current investments8-15 percent
XIRRTime-weighted returnVaries by strategy
Default RatePercentage of investments in defaultLess than 3 percent
Recovery RatePercentage recovered from defaulted loansGreater than 60 percent
Cash FlowMonthly income from investmentsVaries by portfolio size

Performance Charts​

  1. Return Over Time

    • Cumulative returns
    • Comparison to benchmarks
    • Rolling 12-month returns

  2. Income Stream

    • Monthly interest payments
    • Principal repayments
    • Fee deductions

  3. Risk Analysis

    • Default rates by segment
    • Recovery rates
    • Concentration risk

Diversification Tools​

Auto-Balancing​

  1. Set target allocations
  2. Enable auto-rebalancing
  3. Choose rebalancing frequency
  4. Set minimum/maximum thresholds

Portfolio Analyzer​

  • Risk assessment
  • Concentration warnings
  • Correlation analysis
  • Performance attribution

Conservative (Lower Risk)​

  • 60 percent Diversified Pools
  • 30 percent Direct Loans
  • 10 percent Cash
  • Target Return: 7-9 percent

Balanced (Moderate Risk)​

  • 40 percent Direct Loans
  • 40 percent Lease-to-Own
  • 20 percent Luxury Vehicles
  • Target Return: 9-12 percent

Growth (Higher Risk)​

  • 30 percent Lease-to-Own
  • 50 percent Luxury Vehicles
  • 20 percent Commercial Fleets
  • Target Return: 12-15+ percent

Reinvestment Strategies​

Manual Reinvestment​

  1. Review available cash
  2. Browse investment opportunities
  3. Select based on your criteria
  4. Manually invest available funds

Auto-Reinvestment​

  1. Set your criteria:
    • Minimum interest rate
    • Maximum term length
    • Vehicle types
    • Risk levels
  2. Choose investment amount per deal
  3. Enable auto-invest

Laddering Strategy​

  1. Invest in loans with staggered maturities
  2. Example:
    • 20 percent in 12-month loans
    • 30 percent in 24-month loans
    • 30 percent in 36-month loans
    • 20 percent in 48+ month loans

Tax Reporting​

Tax Documents​

  • Form 1099-INT: Interest income
  • Form 1099-B: Sales of investments
  • Annual Statement: Comprehensive transaction history
  • Cost Basis Report: For capital gains calculations

Tax-Loss Harvesting​

  1. Identify underperforming investments
  2. Sell to realize losses
  3. Offset capital gains
  4. Reinvest proceeds

Tax Efficiency Tips​

  • Hold investments more than 1 year for long-term rates
  • Use tax-advantaged accounts if available
  • Track all fees for deductions
  • Consult a tax professional

Risk Management​

Early Warning System​

  • 30-day delinquency alerts
  • Collateral value monitoring
  • Market trend analysis
  • Portfolio stress testing

Mitigation Strategies​

  • Set maximum exposure limits
  • Use stop-loss orders on secondary market
  • Maintain cash reserves
  • Diversify across multiple segments

Insurance Coverage​

  • Platform-level protection
  • Individual loan guarantees
  • Gap insurance for vehicles
  • Business interruption coverage

Automation Features​

Smart Alerts​

  • Large deposits/withdrawals
  • Performance milestones
  • Market opportunities
  • Important deadlines

Scheduled Reports​

  • Weekly performance summary
  • Monthly statement
  • Quarterly tax estimates
  • Annual review

API Access​

  • Connect to personal finance software
  • Build custom dashboards
  • Automate data analysis
  • Set up custom alerts

Frequently Asked Questions​

How often is my portfolio value updated?​

Portfolio values are updated in real-time for liquid assets and daily for illiquid investments based on the latest available data.

Can I transfer my portfolio to another person?​

Yes, through our beneficiary designation or by contacting support for special transfer requests.

What happens if ChainMove goes out of business?​

Your investments are held in special purpose vehicles (SPVs) and would continue to be serviced by a backup servicer.

How do I update my risk tolerance?​

Go to Settings > Investment Preferences and update your risk profile. This will affect future auto-invest recommendations.

Is there a minimum investment period?​

Most investments have a minimum 12-month term, but you can sell on the secondary market, though liquidity isn't guaranteed.

Next Steps​

Last Updated: June 2025