Rebalancing Bitcoin Investment January 2017

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

Highlight:

1. 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.
2. 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.
3. Amartha has modest gains to due stronger EUR againts IDR. We invest this month triple than usual to it.
4. Gold price is gaining this month on GoldMoney. But, overall gains cannot offset conversion cost and fees.
5. 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

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:

1. 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.
2. 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.
3. EUR-base Bondora is stable too. But, it has no buy-back guarantee. So, I put it in the bottom rank. 
4. GoldMoney comodity is still losing value is short term
5. FreeBitco.in keeps dripping satoshis from its faucet

Rebalancing Bitcoin Investment October 2016

BTC-based investments are performing great. EUR-based investments are now stable after I exit the stocks market. IDR-based investment is already performing well. Gold-based commodity is losing value erasing last month gains.

Take aways;

1. BTCjam, BitLendingClub, Bitbond and BTCPop are in the lead due to BTC price gain.
2. Mintos, Twino, Bondora are stable as usual because it is based on EUR
3. I am getting into IDR-based Amartha now due to low-risk micro-credit strategy very similar to Grameen Bank.
4. GoldMoney comodity is losing value is short term
5. FreeBitco.in keeps dripping satoshis from its faucet

Rebalancing Bitcoin Investment September 2016

Both BTC and Gold price rebound. So, all investments in my my portfolio is positive, except the stocks. So, I liquidate it.

Take Aways:

• I am exiting the stock market due to continuosly bad performance for three months straight.
• BitGold is rebranded to GoldMoney and gaining value this month due to better gold price. I recieved $2 bonus on my birthday from GoldMoney. Thank you.
• Both EUR-based Mintos and Twino is profitable as usual. So, I inject €200 into Twino to reduce imbalance between EUR and BTC investments. Bondora is still has no movement after giving me €5 bonus last month.
• All BTC-based investments are profitable, including BTCjam, BitLendingClub, Bitbond and  BTCPop.
• The FreeBitco.in faucet is still giving out satoshis slowly.

Rebalancing Bitcoin Investment August 2016

Overal, this month is the worst yield ever at negative 0.66%. Bitcoin price is going down more than 10% after the Bitfinex hack. Unfortunatelly, USD, Stocks and Gold prices are also depressed and cannot counter the loss in BTC-based investments.

Take Aways:

• BTCjam is still looks like the most stable investment with average monthly yield on 6.11%. This seems to be about right, because its not far from Loanbase average yield of 4.53%.
• Both EUR-based Mintos and Twino is stable as expected with average monthly yield about 1%. So, I am trying to increase my EUR-based portfolio to gain some stability next month.
• Both Mutual Fund and GoldMoney is weaker this month, yielding negative growth. Bitgold is rebranded into GoldMoney this month.
• Most BTC-based investments are sufferings from BTC price drop after Bitfinex hack. This includes Loanbase, Bitbond and BTCPop.
• No luck with FreeBitco.in yet. I will keep playing until now and then, until I hit jack pot.

Rebalancing Bitcoin Investment July 2016

Bitcoin price is going up after Brexit vote and The Halving. Stock market is still weak, falling into negative territory.

Take aways:

• The growth of ING Mutual Fund is weak and falling into negative in March, May and July
• So, I will keep investing on Buy-back-guaranteed P2P Lending, such as Mintos and Twino, to provide some stability (around growth 1% per month)
• All bitcoin-based investment are growing modestly (BTCjam, LoanBase, Bitbond, BTCPop)
• I am starting to invest in gold as commodity via Bitgold. However, I purchased it using Bitcoin. Unfortunately, the volatitily of Bitcoin and Gold price cost me back 6% this month.
• I am starting to speculate on Bitcoin Faucet FreeBitco.in

My experience buying Bitgold via Bitcoin:

• I transfered 150 Euro to my Bitcoin Exchange and attempt to buy Bitgold directly from my Exchange wallet. This is a bad idea because Bitgold has 15 minutes deadline to transfer Bitccoin in. So, I transfer it via my 3rd party wallet instead.
• You can only put your gold in Dubai if you buy it via Bitcoin.
• The price-locking is immediate, however the confirmation that the gold entered the vault in Dubai takes longer, especially in the weeked.
• So, I lost 5€ to Bitcoin price volatility before locking the gold price on July 10th. I then lost another 5€ due to Gold price volatility ten days later.

• I am convinced that this is shorterm volatility, in long term gold performance always outperform fiat currencies. Bitgold point this out in its bi-monthly newsletter.

Rebalancing Bitcoin Investment June 2016

BTC is going up, pushing all of my portofolio up. Stock market is still weak, keeping ING Fund as the least performing as usual.

Take aways:

1. Overtime, the EUR-based investments (Mintos, Twino and ING Fund) is suprisingly close to each other at around 0,9% yield per month.
2. Overtime, all BTC-based investments (BTCjam, LoanBase, Bitbond, BTCPop) outperform the average.

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