Closing the year does not mean knowing the annual profitability
In addition they returned 6,506.49 € principal for repurchases, within 8,319.38 € principal returned. These movements have different sizes and it is advisable to keep their labels at the end of the year.
Adding the twelve months allows you to know the payments of 2025, but calculating an annual return needs more: starting capital, contributions with their dates, withdrawals, final valuation and losses. The journal still does not gather all that information. On the results page I maintain the amounts of movements as such, without presenting them as an annual rate.
Figures for the period
| Item | Amount |
|---|---|
| Contributions from outside Mintos | 0.00 € |
| Withdrawals to the bank | 0.00 € |
| Interest received | 318.91 € |
| fees shown | 9.11 € |
| Tax withholdings | 15.58 € |
| Interest after shown costs | 294.22 € |
| Principal repaid | 8,319.38 € |
| Opening cash | 44.53 € |
| Closing cash | 161.37 € |
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 | -8,399.90 € |
| Capital received | 1,812.89 € |
| Interest received | 264.19 € |
| Committees in arrears received | 0.00 € |
| Secondary Market Operation | -96.87 € |
| Income from principal received from the repurchase of the loan | 6,506.49 € |
| Income from interest received on the repurchase of the loan | 47.48 € |
| Interest income from late payments | 7.24 € |
| withholding of taxes | -15.58 € |
| Commission by loan portfolios | -9.11 € |
The period and sources
Mintos transaction statement, from 2025-12-01 to 2025-12-31, 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.