Withdrawal and final cash count different things
The subtraction after costs shown was 265.89 €. Compare that subtraction with the withdrawal serves to track amounts, but does not prove that the money withdrawn came only from the January interest.
The cash went from 161.37 € to 40.78 €. To understand that decrease you also have to look at the principal payments and the investments of the month. A withdrawal is not by itself a loss of the portfolio: it changes where the money is. Its effect on the total result requires to check which positions remained and how much they were worth.
Figures for the period
| Item | Amount |
|---|---|
| Contributions from outside Mintos | 0.00 € |
| Withdrawals to the bank | 130.00 € |
| Interest received | 289.40 € |
| fees shown | 9.61 € |
| Tax withholdings | 13.90 € |
| Interest after shown costs | 265.89 € |
| Principal repaid | 4,958.28 € |
| Opening cash | 161.37 € |
| Closing cash | 40.78 € |
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 | -5,049.98 € |
| Capital received | 1,214.42 € |
| Interest received | 239.22 € |
| Committees in arrears received | 0.02 € |
| Secondary Market Operation | -164.80 € |
| Withdrawal | -130.00 € |
| Income from principal received from the repurchase of the loan | 3,743.86 € |
| Income from interest received on the repurchase of the loan | 38.89 € |
| Interest income from late payments | 11.29 € |
| withholding of taxes | -13.90 € |
| Commission by loan portfolios | -9.61 € |
The period and sources
Mintos transaction statement, from 2026-01-01 to 2026-01-31, 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.