Bringing capital and collecting interest have different times
Splitting those charges between the deposit would give a misleading impression: the monthly summary does not indicate on which days the money entered or how long it was invested. In addition, the account already had activity before January that still needs to be rebuilt. This is the beginning of the revised journal, not the beginning of my investment.
The charges and subscriptions for Smart Cash were 5,000.00 € and 5,000.00 €. They are offset in the cash summary of the month, although they could occur on different days. Adding them as new contributions would double money that was moved within Mintos. Following this month, I separate the external deposit, those internal movements and the principal 520.28 that returned.
Figures for the period
| Item | Amount |
|---|---|
| Contributions from outside Mintos | 8,000.00 € |
| Withdrawals to the bank | 0.00 € |
| Interest received | 34.01 € |
| fees shown | 0.21 € |
| Tax withholdings | 1.69 € |
| Interest after shown costs | 32.11 € |
| Principal repaid | 520.28 € |
| Opening cash | 42.82 € |
| Closing cash | 23.30 € |
Interest less fees and withholdings is not the portfolio’s total return. The definitions and their limits are set out in how I read the results.
View all statement categories
| Mint Category | Amount |
|---|---|
| Deposits | 8,000.00 € |
| Investment | -8,273.89 € |
| Capital received | 174.33 € |
| Interest received | 30.26 € |
| Committees in arrears received | 0.00 € |
| Secondary Market Operation | -298.01 € |
| Income from principal received from the repurchase of the loan | 345.95 € |
| Income from interest received on the repurchase of the loan | 3.67 € |
| Interest income from late payments | 0.08 € |
| withholding of taxes | -1.69 € |
| Position of Smart Cash of Mintos | -5,000.00 € |
| Smart Cash Mintos fertiliser | 5,000.00 € |
| Commission by loan portfolios | -0.21 € |
The period and sources
Mintos transaction statement, from 2025-01-01 to 2025-01-31, reviewed on . The period covers a full calendar month. This is a retrospective record of my account, written from the statement.
Categories are rounded separately, so their sum may show a small difference. The shared method is set out in sources and methodology.