Portfolio update – July 2023

How to achieve financial freedom? Through systematic investing. It’s easy to say, but more difficult to maintain consistency. This journal entry is for my future self, to record the entire – long journey, successes, and mistakes I’ve made, rather than just the final result. I hope it will motivate you to build your financial independence.

Summary

From this month onwards, I will start adding a historical chart of the entire portfolio, which better illustrates changes in the portfolio over the course of the year.

The write-off of the YieldNode position last month is clearly visible. The remaining fluctuations in the balance are due to exchange rate differences between the individual months.

Portfolio history (last 12 months)
Portfolio summary
PositionValueProfit
Bitfinex Lending€9 907€56
Mintos (EUR)€12 634€138
Mintos (RUB)€2 783€3
Robocash€7 740€77
ETF€2 678€68
Total€35 742€342

Bitfinex Lending*

The first month after, I changed strategy to dynamically set prices based on your current bid. The first month starts to take off, valuable monthly results will be only after 2 months.

Below is a chart of completed offers from the last month:

  • Value: $10 906,85 (deposit: +$17,05)
  • Profit (last month): $62,08
  • ROI (last month): 6,71%
  • ROI: 1,49%
  • Investment from: 2020.12

Mintos (Euro €)*

After last month’s delayed loans dropped below EUR 1,000, delays have returned.

The residual deposit is the result of converting completed ruble positions into euros.

  • Value: €12 633,52 (deposit: +€93,08)
  • Profit (last month): €137,60
  • ROI (last month): 12,92%
  • ROI: 14,99%
  • Amount late in repayment: €1 854,12 (change: +€863,27)
  • Investment from: 2020.12

Mintos (Rubel rosyjski ₽)*

Wallet in the process of withdrawal. Currently divided into the last two companies. A smaller part, belonging to IDF EURASIA, is repaying and converting its liabilities into euro for another month – this month, over 9,000 rubles.

The second one, Kviku, unfortunately still unchanged. If you are interested, please visit the Mintos blog where you can follow the ruble thread.

  • Value: 283 091,42 ₽ (withdrawal: -9 188,40 ₽)
  • Profit (last month): 319,23 ₽
  • ROI (last month): 1,29%
  • ROI: 13,82%
  • Amount late in repayment: 279 834,37 ₽ (change: -3 785,46 ₽)
  • Investment from: 2020.12

Robocash*

From September, Robocash is introducing changes to the bonus system, you will no longer be able to get bonus interest so easily. Previous bonuses started from 10k euros (+0.5%) and ended at 1.3% for 50k+ euros.

Below is a new table for comparison:

In terms of profits, July was another stable month for the Robocash.

  • Value: €7 740,38
  • Profit (last month): €76,85
  • ROI (last month): 11,69%
  • ROI: 12,20%
  • Amount late in repayment: €9,04 (change: -€8,25)
  • Investment from: 2021.08

ETF

Eye-pleasing green indicators. No additional investment from me.

  • Value: $2 948,92
  • Change (last month): +$75,40**
  • Change (from begining): +$396,18**
  • Investment from: 2022.08

(*) I play open cards. Links marked with an asterisk are affiliate links. If you use them, I will receive a commission. It won’t cost you anything, and often you will get a bonus too – More information can be found on the pages under the specific links.

(**) Due to the nature of the stock market, income should be understood as potential until the position is realized.

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