A closure with little cash needs context
These figures describe movements and a final balance, not a loss equivalent to the money collected. The cash can be reinvested during the month; the detail of categories allows to follow that path.
Interest was 14.10 € higher than April, while fees also grew 0.67 €. The subtraction after costs shown was 173.06 €. To decide how much money would have been available to take out on a given day, monthly closure is not enough: the available balance and liquidity conditions of the positions are needed.
Figures for the period
| Item | Amount |
|---|---|
| Contributions from outside Mintos | 0.00 € |
| Withdrawals to the bank | 0.00 € |
| Interest received | 187.65 € |
| fees shown | 5.21 € |
| Tax withholdings | 9.38 € |
| Interest after shown costs | 173.06 € |
| Principal repaid | 2,921.35 € |
| Opening cash | 31.09 € |
| Closing cash | 2.94 € |
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 |
|---|---|
| Investment | -2,999.91 € |
| Capital received | 938.40 € |
| Interest received | 171.39 € |
| Committees in arrears received | 0.01 € |
| Secondary Market Operation | -122.68 € |
| Income from principal received from the repurchase of the loan | 1,982.95 € |
| Income from interest received on the repurchase of the loan | 16.24 € |
| Interest income from late payments | 0.02 € |
| withholding of taxes | -9.38 € |
| Commission by loan portfolios | -5.21 € |
The period and sources
Mintos transaction statement, from 2025-05-01 to 2025-05-31, 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.