Category Archives: My portfolio

Mintos – loan repurchase ratio

For the past few years, I had mintos work on autopilot. I had sent there money and let it compound by autoinvest feature. Recently I checked some metrics and found out I have 93% of my p2p portfolio in a single lending company. That shocked me, as I don’t want to keep my eggs in one basket, but diversify. So I adjusted that just a few weeks ago, to diversify my investments among more lending companies. This got me thinking, and I thought seeing how % of defaulted loans could be a good indicator, whether the p2p lending market is surviving corona times just fine or struggles.

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Trying out latest crypto products

I’ve had some time to check famous crypto offerings I have been ignoring for some time. First one is, where you can get 2% card cashback on most payments and second is blockfi, where you can earn 5-8% interest on cryptocurrency. Both of these look amazing, as 8% interest in general is something, when used wisely, can within a decade make you financially independent. I’ll write a bit more about both platforms here, so read on!

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Why I am opening an account with a third stock broker?

Today I opened an account in etoro, which is the third brokerage I use. I started investing on DEGIRO platform, later got annoyed by the 30% tax on dividends, and created an account on trading212, which I am very happy with! But today I created and funded an account with etoro, in this article I will explain why I want to have 3 brokers, maybe even more in the future and why I don’t think that is a bad idea.

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Deprecating suggestions on Digrin

I decided I want to deprecate suggestions feature on I looked into data and it was rarely used. Digrin was sending emails to users (I even forgot about that part). I don’t use the feature myself, and I think it can be even dangerous, to have a feature that sounds like “suggestion for stock buys”, which you often need financial licence to do. And this was automated feature. I am removing it now, but wanted to write down for myself how it worked, because I will definitely forget and one day I might find it interesting.

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P2P lending in Mintos

I like it. It’s stable above 10% XIRR. In stocks, I expect to be around 8% XIRR long term, but there can be up and downs -> few years XIRR maybe even negative. But for p2p lending, it should be stable around 10%, with a buyback guarantee! On the other hand, at the moment my XIRR on dividend portfolio is 14.91% and 56.95% on my small growth portfolio (though it’s just temporary on peak now, as all stocks).

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Dividend friendly brokers in Europe

As I mentioned in the previous article, I switched my investing broker from degiro to trading212. Reasons for it were simple, I as a dividend investor was taxed 30% on degiro without an option to sign a W8-BIN form to lower tax, so I moved my new buys to trading212. I am rewarded with 15% tax on dividends and no commissions. As of now I think that was a great move, and if other brokers will start offering a better product for DGI investor, I might switch again (wink at DRIP support). I created a google spreadsheet to keep track of brokers in Europe that are dividend friendly that I will keep updated.

What income percentage do I need to invest to reach financial freedom in 10 years?

Youtube suggested a video to me, I found the title interesting to watch at least the first few minutes, but I ended up watching it all. One fact from the video struck me: “Getting rich enough to retire only takes about 10 years“. I told to myself – this doesn’t make sense. I did the calculation a year back and I got 20-30 years of investing. When I did, I was disappointed and rather stopped with those calculations. Video forced me to recalculate again, whether that fact is bullshit or not.

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Monthly registered users on

I thought I would look into data of – what is the number of registered and active users, how many portfolios and transaction are created daily, etc. To my disappointment I found out I did not have created_at and updated_at timestamps on models, so I can’t view these interesting data in time 🙁 I have only users (thanks Django) with date timestamps. Of course, I just added these timestamps to all models, so maybe in a few months, there might be some interesting patterns.

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p2p pôžičky – update pri corona situácií

Povedal som si, že napíšem dnes aspoň krátky update k mojím p2p pôžičkám. Jediná platforma, kde som ešte dával sem tam peniaze, je mintos. Moc som tam toho ale už nechcel dávať a počkať si na ďalšiu krízu, aby som videl, či to tie platformy prežijú a ak nie, aké náročné bude presunúť pôžičky k inému poskytovateľovi. Kríza je teda tu a ja teraz vyčkávam, či to mintos prežije v zdraví 🙂

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Mám nového brokera na dividendové akcie – trading212

Keď som pred 4 rokmi začínal s investovaním, pozeral som sa po brokeroch dostupných v Európe a nič som nevedel nájsť. Začínal som s nákupmi za cca 100 eur za obchod, kde ak je poplatok 8 eur, už to moc lákavo nevyzerá. Fio má myslím taký poplatok, Lynx 5 dolárov a v tej dobe prišla ako jasná voľba (50 centov obchod). Nedávno mi ale degiro začalo strhávať 30% (som Slovák pracujúci v Česku) z dividend miesto 15%, čo už pri veľkosti môjho portfólia nevychádza vôbec dobre a hlavne z dlhodobého hľadiska to nedáva zmysel, keď chcem žiť z dividend. Našiel som ale super brokera, nechápem, že som na neho skôr nenarazil.

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