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Rebalancing Crypto Investment December 2018

2018-12-21T07:53:00.005-08:00

All cryptos and gold are gaining this month.

Take aways:

BTC/ETH investements are in gaining, including BTCPop and Bitbond.
EUR-based Bondora, Twino and Mintos are profitable as usual.
Goldmoney is gaining.
Amartha is gaining.

Rebalancing Crypto Investment November 2018

2018-11-29T03:29:00.000-08:00

All cryptos are tanking this month.

Take aways:

BTC/ETH investements are in tanking, including BTCPop and Bitbond.
EUR-based Bondora, Twino and Mintos are profitable as usual.
Goldmoney is losing.
Amartha is gaining.

Rebalancing Crypto Investment October 2018

2018-10-24T03:36:00.000-07:00

All investments are in black this month.

Take aways:

BTC/ETH wallets are in black again.
BTC-based investments BTCPop and Bitbond are in black too.
EUR-based Bondora, Twino and Mintos are profitable as usual.
Goldmoney is gaining.
Amartha is gaining.

Rebalancing Crypto Investment September 2018

2018-09-24T08:13:00.000-07:00

All non-EUR investment are down this month.

Take aways:

We changed the average from 6-months to YTD (12 months)
We included the defaulted loans in the Bitbond calculation now.
BTC/ETH wallets are losing again.
BTC-based investments BTCPop and Bitbond are losing too.
EUR-based Bondora, Twino and Mintos are profitable as usual.
Goldmoney is losing due to cheaper Gold.
Amartha is losing due to cheaper IDR.

Rebalancing Crypto Investment August 2018

2018-08-27T03:54:00.001-07:00

BTC and ETH is down this month.

Take aways:

BTC/ETH wallet is losing again.
BTC-based investments BTCPop and Bitbond is losing too.
EUR-based Bondora, Twino and Mintos are profitable as usual.
Goldmoney is losing due to cheaper Gold.
Amartha is gaining due to stable IDR.

Rebalancing Crypto Investment July 2018

2018-07-26T04:07:00.001-07:00

BTC and ETH is up this month at the expense of Gold and IDR.

Take aways:

BTC/ETH wallet is gaining after losing for six months.
BTC-based investments BTCPop and Bitbond is back in black.
EUR-based Bondora, Twino and Mintos are profitable as usual.
Goldmoney is losing due to cheaper Gold.
Amartha is losing due to cheaper IDR and competition from other investors.

Rebalancing Crypto Investment June 2018

2018-06-25T04:41:00.001-07:00

Cryptos are still down this month, even when the last six months are taken into account. Gold is down, while IDR is raising.

Take aways:

BTC/ETH wallet is losing this month, also in the last six months.
BTC-based investments BTCPop and Bitbond is still in the red.
EUR-based Bondora, Twino and Mintos are profitable as usual.
Goldmoney losing due to cheaper Gold.
Amartha is gaining due to raising IDR.

Rebalancing Crypto Investment May 2018

2018-05-24T03:58:00.001-07:00

Cryptos are down this month, even when the last six months are taken into account. Gold and IDR is raising.

Take aways:

BTC/ETH wallet is losing this month, also in the last six months.
BTC-based investments BTCPop is still in the red. Bitbond is exposed a bit.
EUR-based Bondora, Twino and Mintos are profitable as usual.
Goldmoney and Amartha is gaining due to raising Gold and IDR.

Rebalancing Crypto Investment April 2018

2018-04-24T05:51:00.004-07:00

Ethereum is gaining this month, while Bitcoin is slightly down.

Take aways:

ETH dominated wallet is gaining this month.
BTC-based investments BTCPop is still in the red. Bitbond is exposed a bit.
EUR-based Bondora, Twino and Mintos are profitable as usual.
Goldmoney is sideway, while Amartha is gaining, despite of cheaper IDR.

Rebalancing Crypto Investment March 2018

2018-03-27T04:38:00.001-07:00

Bitcoin and Ethereum are still losing this month. Gold is gaining a bit.

Take aways:

BTC/ETH-based investments are deeper in the red, including Wallets and BTCPop. Bitbond is exposed a bit.
EUR-based Bondora, Twino and Mintos are profitable as usual.
Goldmoney is gaining, while Amartha is is still losing this month due to volatility.

Rebalancing Crypto Investment February 2018

2018-02-27T07:11:00.001-08:00

Bitcoin and Ethereum is highly volatile this month and losing some value. Gold is losing a bit as well.

Take aways:

BTC/ETH-based investments are in the red, including Wallets, BTCPop. Bitbond is exposed a bit.
EUR-based Bondora, Twino and Mintos are profitable as usual.
Goldmoney and Amartha is losing this month due to volatility.

Rebalancing Crypto Investment January 2018

2018-01-29T07:31:00.000-08:00

Bitcoin is moving side ways this month. Due to last month high volatility, I decided to ignore last month price and put it half way between the price this month and two months ago.

Take aways:

Ignoring last month highly volatile BTC price, BTC-based investments, such as BTCPop is gaining led by ETH price gain. Unfortunately, we have to sell some BTC, because:

to fund home repair. It is rare to have a profitable investment while being very liquid at the same time.
To balance our portofolio to have less crypto speculation and more predictable micro finance
BTC is boring this month, while ETH is gaining.

Bitbond and Euro-based Bondora, Twino and Mintos are profitable as usual.
Goldmoney is gaining this month, probably because of boring BTC.
Amartha is losing due to weaker IDR.

Rebalancing Bitcoin Investment December 2017

2017-12-27T05:43:00.000-08:00

Bitcoin is highly volatile this month, flirting $10K and $20K several times. However, this year I manage to haul almost €10K profit this year. This growth is on track for my 2-3 years goal to pay my basic expenses of €3K entirely from my passive income.

Take aways:

I manage to haul almost €10K profit this year, more than 10x last year, with almost half of it from this month €4,2K. This is on portfolio size of €15K, more than 7x of last year size.
Bitcoin price and concurrency market in general is volatile and crashing more than 40% in the week before Christmas, due to people cashing out. However, my wife has cashed out all of her original investment and keep only the profit on the market.
Last months, we somehow can predict the price to some degree when the price is still 4 digits. Now, on 5 digit, we don't know. But, we intent to keep an eye on the price support, such as now €13K and psychological milestones, such as now $15K, $20K, etc... Just looking at psychological milestones does NOT work anymore. For example, there is no way the price will stay above $20K milestone, if the support still on $13K.
BTCPop is raiding the Bitcoin bull. The growth is unusually high because I am cashing of my BTG holding there to fund my Alternative Coin speculation. I like BTCPop, because they take care of the BCH and BTG forking for me and provides exchange market (albeit with low liquidity) for it.
Bitbond and Euro-based Bondora, Twino and Mintos are profitable as usual.
Goldmoney is stalling this month.
Amartha is gaining due to slightly stronger IDR. I boost my investment there because I believe in micro finance especially to housewife-owned businesses in remote villages to improve education and living condition of their children.

Rebalancing Bitcoin Investment November 2017

2017-11-27T02:57:00.001-08:00

Bitcoin value is increasing and dangerously close to $10K while Gold price took hit. At this rate, I could retire in within 2-3 years, this month half of my basic expensive is entirely covered by passive income.

Take away:

Our total portofolio value is crossing €10K for the first time, thanks to sustained bullish Bitcoin rally.
My wife keep buying bitcoin on just before crossing to 4digit psychological barrier, such as just below $7000, $8000 and $9000, then watch the price cross the barrier in several days or hours later with profit. Ethereum price is bullish as well.
BTCPop is raiding the Bitcoin bull.
Bitbond and Euro-based Bondora, Twino and Mintos is profitable as usual.
Goldmoney is taking hit due to weak gold price.
Amartha is taking hit due to strong Euro.

Rebalancing Bitcoin Investment October 2017

2017-10-25T07:50:00.000-07:00

Bitcoin value is increasing a lot this month while Gold price took hit.

Take away:

I am cashing out about 100€ away from BTCPop to buy some Nintendo games, while my wife continue investing in BTC Wallet.
Bitbond is back to black this month due to Bitcoin gain.
Litecoin took big hit due to Chinese Exchange ban. So, we buy some Ethereum from what was left of it.
Euro based Bondora, Twino and Mintos is profitable as usual.
Goldmoney is taking hit due to weak gold price.
Amartha is still gaining

Rebalancing Bitcoin Investment September 2017

2017-09-25T09:49:00.002-07:00

Bitcoin price is suffering correction after massive increase last month. However, Bitcoin cash bonus from BTCPop covers some lost ground.

Take aways:

I reinvest Bitcoin Cash bonus from BTCPop to cover lost during price correction. Bitbond uses Euro and USD investments to cover some lost, but not all.
Euro based Bondora, Twino and Mintos is profitable as usual.
Goldmoney is gaining slightly due to gold price appreciation
Amartha is going strong this month somehow
Parked BTC and LTC wallet got hit of price correction, especially Litecoin, while we tried to diversify to altcoin. Freebitco.in still dripping satoshis.

Rebalancing Bitcoin Investment August 2017

2017-08-28T05:01:00.001-07:00

Bitcoin price is appreciating significantly this month, gold is gaining too.

Take aways:

BTCPop and Bitbond are gaining a lot due to increase in Bitcoin price.
Bondora is still leading the ahead of Twino and Mintos as EUR based lendings are proven to be stable.
GoldMoney is gaining due to increase in Gold price. However, it is not enough to compensate the last three months slides.
Amartha is gaining slightly again even though IDR is slightly cheaper against EUR.
FreeBitco.in keeps dripping satoshis.
Overall, this months is the best month of the year, more double the gain from May. Performance of the entire portfolio is estimated as 58% APR projection.

Rebalancing Bitcoin Investment July 2017

2017-08-03T04:15:00.000-07:00

BTC price is under pressure due to fear of fork in August. Gold price is under pressure too.

Take aways:

BTCPop and Bitbond are losing this month due to lower BTC price.
Bondora is leading the ahead of Twino and Mintos as EUR based lendings are proven to be stable.
GoldMoney is losing due to lower Gold price, while Amartha is picking up steam again even though IDR is slightly cheaper against EUR.
FreeBitco.in keeps dripping satoshis.
Overall, this months is a bad months, the months after the last bad one. So, this year the entire portfolio is still overwhelmingly positive, with performance of 38% APR projection.

Rebalancing Bitcoin Investment June 2017

2017-06-23T01:39:00.001-07:00

BTC is still gaining against EUR this month. However, IDR is currently losing against it.

Take aways:

Bitcoin still performing with BTCpop still on double digit growth with Bitbond on respectable 1 digit growth. However, BTCjam and BitLendingClud closing is on-going but no cashout this month due to low withdraw-able balance.
Euro-based investments are growing stable with Bitbond leading the pack, followed by Twino and Mintos. So, I invest more on Bitbond.
Weaker IDR causes Amartha losing.
Gold has slight gain.
FreeBitco.in keeps dripping satoshis.

Rebalancing Bitcoin Investment May 2017

2017-05-24T06:37:00.000-07:00

BTC is gaining againts EUR this month. However, EUR is gaining against USD, Gold and IDR.

Take aways:

BTCjam is closing.
BTCPop doubles the gain from last month due to BTC gain. It is becomming the biggest BTC_based investment in my portfolio. I am still moving coins from losing BTCjam and closing Bitlendingclub, but into Bitbond this month.
BTC-based Bitbond is stable, as well as Euro-based Mintos, Twino and Bondora.
Weaker IDR causes Amartha losing.
I bought more of Goldmoney again because it is cheaper than last month.
FreeBitco.in keeps dripping satoshis.

Rebalancing Bitcoin Investment April 2017

2017-04-24T12:51:00.000-07:00

Somehow, Bitcoin price is increasing this month, reversing the last month loss. Gold price is lower this month. So, I but more gold.

Take aways:

BTCPop is reversing the loss from last month due to BTC gain. So, I continue moving coins from losing BTCjam and closing Bitlendingclub into this.
BTC-based Bitbond is stable, as well as Euro-based Mintos, Twino and Bondora.
Stronger IDR reverse the loss of last month for Amartha.
I bought more of Goldmoney because it is cheaper than last month.
FreeBitco.in keeps dripping satoshis.

Rebalancing Bitcoin Investment March 2017

2017-03-26T14:29:00.000-07:00

The risk of Bitcoin fork put pressure on the BTC price. This month, most BTC-based invesments are at loss. IDR-based investment is also slightly at loss due to strong EUR.

Take aways:

BTCPop takes the strongest hit due to pure BTC plays, while Bitbond takes less hit due to mixed currency play, while BTCjam takes softest hit due to calculation method that spread spikes over 12 months.
Twino has loss a lot of Buy-back guarantee loans. So, I have to move some funds to Mintos.
Amartha also has no loan offers for a while due to popularity. But, the offers comeback before I have chance to move the funds out.
Goldmoney gains for three months strike due to gold price raising.
Bondora looks pretty stable and its debt collection seems promising. However, I refrain to increase investment there, due to missing income-tax-friendly buy-back guarantee loans.
Freebitco.in keeps dripping satoshi. But, now it has 4.08% annual interest on your FreeBitco.in balance.

Rebalancing Bitcoin Investment February 2017

2017-02-21T07:01:00.000-08:00

February continues with the significant BTC price gain. So, all of my investments are gaining profits this month.

Highlights:

I reset the Average Yield to count only numbers since January this year. So, last year lost on GoldMoney will not be counted. This might allow me into further diversification into commodity later this year.
I continue to move funds away from BTCjam and BitLendingClub into BTCpop, while keeping the Bitbond as is. So, my BTC investment slowly balance away from riskier investment.
Fiat-currency investment of Twino, Mintos and Amartha is continuing to gain slowly. I relies my investment only on buy-back guaranteed loans on Twino and Mintos and zero-default record of Amartha. Bondora grows faster but riskier due missing buy-back warranty.
Gold prices is still gaining this month at Goldmoney.
FreeBitco.in still tricking satoshis out.

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Rebalancing Bitcoin Investment January 2017

2017-01-25T05:17:00.001-08:00

January sees small BTC price gain. However, not all BTC investments gain profit due to default loans during holiday seasons.

Highlight:

Most BTC-based investment has modest gain, notably BTCjam and BTCpop. Bitbond suffers default loans, while BitLendingClub is closing. So, we move funds around to minimize loses.
EUR-based investment are stable, notably Mintos, Twino and Bondora. We rank Bondora to the bottom because it allow loses, while income-tax code does not deduct loses.
Amartha has modest gains to due stronger EUR againts IDR. We invest this month triple than usual to it.
Gold price is gaining this month on GoldMoney. But, overall gains cannot offset conversion cost and fees.
Freebitco.in stills trickling satoshis out. So small, but partially help transfer cost while I move funds around.

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Rebalancing Bitcoin Investment November 2016

2016-11-25T04:47:00.002-08:00

This month is similar to last month. All BTC-based investments lead the growth, while the fiat-based investments is stable close to 1% growth. This month is the second best of this year, after close to 120€ profit in June due to BTC gain too.

Highlights:

BTCjam, BitLendingClub, Bitbond and BTCPop are in the lead due to BTC price gain. So, we list them on the top rank now due to their performance in the last 10 months.
Mintos and Twino are stable as usual because it is based on EUR. IDR-based Amartha is stable too. So, I put the in the middle rank now.
EUR-base Bondora is stable too. But, it has no buy-back guarantee. So, I put it in the bottom rank.
GoldMoney comodity is still losing value is short term
FreeBitco.in keeps dripping satoshis from its faucet