Rebalancing Bitcoin Investment April 2017

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

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

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

Highlights:

1. 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.
2. 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.
3. 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.
4. Gold prices is still gaining this month at Goldmoney.
5. FreeBitco.in still tricking satoshis out.

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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.