A small position alongside the loans
ETFs are listed funds. Mintos offers ETF selection and an automated portfolio. In my account they represent 1.2 % of the value shown on 2 November 2026.
On 23 October I consulted my Core ETFs portfolio: it held five funds, with 90 % in equities and 10 % in bonds. That is the composition I checked that day; the latest overview does not include a new fund breakdown.
In the Journal I analyse my five ETFs, their risks and my questions about when to withdraw.
How much money I have allocated to the portfolio
| Movement in Mintos | Amount |
|---|---|
| Payment made from ETF portfolio | -400.00 € |
Movements, month by month
- August 2026 ↗
- Payment made from ETF portfolio-50.00 €
- September 2026 ↗
- Payment made from ETF portfolio-50.00 €
- October 2026 ↗
- Payment made from ETF portfolio-300.00 €
Negative amounts are outflows from statement cash. A payment directed to another investment remains within Mintos. The latest period runs through 2 November 2026; monthly categories may differ by a few cents due to rounding.
August and September each show payments of €50. The full October statement adds €300. The reviewed total reaches €400.00 through 2 November 2026. Adding my own money to a position and making a gain are different things.
The result Mintos shows
The dashboard of 2 November 2026 shows €1.48 labelled “Unrealized”. It is the result of an open position: it can change and does not establish that I have received that amount in cash.
Payments and valuation make it possible to follow this first stage. They are not enough to compare its annual return with my loans or assess all its costs. The five ETFs’ exact internal costs have not been checked on this page.
What I know about the contribution plan
On 21 October I saw a saved plan for €170 a month, with the next top-up on 1 November. On 23 October the dashboard showed “Configure”, with no amount or next date. I keep both observations dated: I do not treat that 1 November top-up as executed. To establish what was paid, I use the statement movements.
The guide to investment plans explains the difference between saving a plan, topping up a portfolio and buying an instrument.
Sources
General overview of 2 November 2026 and EUR Transaction summaries from January 2025 through 2 November 2026. October 2026 covers the full month. The latest period, November 2026, runs through 2 November 2026. The composition and the two plan observations belong to their October dates. No market date is assigned to the new value if the overview does not show one.
How the product works: Mintos ETF offer, consulted on 8 October 2026.