Portfolio update – October 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

Today’s post will be very short. I’m coming back from vacation, hence the delay in updating the portfolio. The break occurred at the end of the month and due to the lack of access to a laptop, I was unable to take screenshots. On the other hand, this situation allowed me to optimize the process of calculating the balance and profits at the exact end of the month.

Additionally, my Robocash strategy setup caused new loans to stop coming in. Due to this oversight, a large part of the balance remained uninvested. My mistake.

Portfolio history (last 12 months)
Portfolio summary
PositionValueProfit
Bitfinex Lending€10 670€147
Mintos (EUR)€13 160€139
Mintos (RUB)€2 792€0
Robocash€10 994€75
ETF€2 556-€53**
Total€40 172€308

Bitfinex Lending*

A stable month, the return percentage returns to 17-18%.

Chart of completed offers from the last month:

  • Value: $11 293,84
  • Profit (last month): $155,57
  • ROI (last month): 16,22%
  • ROI: 4,07%
  • Investment from: 2020.12

Mintos (Euro €)*

The residual deposit is the result of automatic conversion of closed ruble positions.

  • Value: €13 120,04 (deposit: +€2,37)
  • Profit (last month): €138,95
  • ROI (last month): 12,47%
  • ROI: 14,47%
  • Amount late in repayment: €2 546,91 (change: +€67,59)
  • Investment from: 2020.12

Mintos (Rubel rosyjski ₽)*

Position in the middle of withdrawal. The wallet is almost entirely made up of loans from Kviku. Unfortunately, this money is still frozen since the war in Ukraine. Currently, in the legal proceedings stage conducted by Mintos.

If you are interested, please visit the Mintos blog where you can follow the ruble thread.

  • Value: 273 292,14 ₽ (withdrawal: -242,74 ₽)
  • Profit (last month): 7,20 ₽
  • ROI (last month): 0,03%
  • ROI: 12,96%
  • Amount late in repayment: 272 675,21 ₽ (change: -708,92 ₽)
  • Investment from: 2020.12

Robocash*

Due to my oversight, I missed the moment when Robocash lowered the rates for new positions. As a result, almost half of the balance remained uninvested. This can be noticed in the decrease of income. It will also have an impact on November.

There is also an increase in delayed loans, but these are not amounts that should cause concern.

  • Value: €10 993,99
  • Profit (last month): €74,68
  • ROI (last month): 8,00%
  • ROI: 11,62%
  • Amount late in repayment: €225,10 (change: +€225,10)
  • Investment from: 2021.08

ETF

Investment in ETFs is still in the testing phase. For now, I do not plan any major changes in this position.

  • Value: $2 705,56
  • Change (last month): -$55,64**
  • Change (from begining): +$152,82**
  • 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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