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The Mintelo Journal

For people whose finances have outgrown a spreadsheet — clear, careful writing on net worth, real returns, and the accounting underneath.

Mintelo article card on a dark background reading "19.4% vs 25.9%" above the headline "The return your broker shows you isn't the one you think," with the subtitle "time-weighted vs money-weighted return — and which question each one answers."
Mintelo article card on a dark background reading "19.4% vs 25.9%" above the headline "The return your broker shows you isn't the one you think," with the subtitle "time-weighted vs money-weighted return — and which question each one answers."

Rian Cronje, founder of Mintelo.

Rian Cronje

9 minutes

The return your broker shows you isn't the return you think it is

Your broker shows one return; the fund factsheet shows another. The gap is time-weighted vs money-weighted — and knowing which question each answers is the whole game. One worked rand portfolio, carried end to end.

Was it you, the market, or the rand?
Was it you, the market, or the rand?

Rian Cronje, founder of Mintelo.

Rian Cronje

9 minutes

Your wealth lives in eleven places. None of them agree.

A net worth number you cannot audit is not a number you can trust. Why aggregators and spreadsheets fail silently once your wealth is spread across many accounts — and what a reconciled view actually shows.