Now investing on Mintos is easier than ever – all it takes is two clicks of a button – thanks to our new investment strategies.
Investment strategies are predefined Auto Invest strategies that will help you achieve your investment goals with just a few clicks of a button. There are three investment strategies – short-term, diversification, and secured loan strategy. Currently, the investment strategies are available only in euro (EUR), however, we will add more currencies as we go.
The short-term strategy is perfect for investors who only want to invest their money for a few months, but still want a well-diversified investment portfolio to balance their risk and return. The strategy will only invest in loans with maturities of three months or less with an annual gross interest rate from 8%. The investment strategy will include loans with and without the buyback guarantee.
The diversification strategy is perfect for investors who want to build the most diversified loan portfolio across different borrowers, loan types and maturities, loan originators and countries. Investing in loans with varying degrees of risk is the most basic – and effective – strategy for minimising risk. The diversification strategy will invest in all loans available on the Mintos marketplace and you can expect an annual gross interest rate of 12.5%*.
Secured loan strategy
The secured loan strategy is perfect for investors who are wanting to achieve their longer-term investment goals by investing in loans which are secured by collateral. The loan-to-value (LTV) ratio of loans in the secured loan strategy is less than 75% and you can expect an annual gross interest rate of 12.4%*.
How to create your strategy
You can find the details of the three different investment strategies in the “Auto Invest” section, by choosing “Create New Auto Invest Strategy”.
Once you have been taken to your new Auto Invest Strategy, select “Mintos Investment Strategies”.
You will then be directed to the three Mintos investment strategies for you to choose from.
Choosing an investment strategy could not be easier – all it takes is just two clicks of a button and your portfolio will be created based on your preferences.
How investment strategies work
Investment strategies will invest in loans based on the criteria as set out in the investment strategy. To diversify your investments, the strategies will invest EUR 10 per loan across different loans from different loan originators, countries, etc. Diversification will be based on the outstanding funded portfolio of loans that correspond to the criteria of the particular strategy. If there are no available loans which suit your selected investment strategy, there may be some uninvested funds until new loans are placed on the marketplace.
Manage your investment strategy
You can customise the settings of your investment strategy at any time from the Auto Invest section, where it will be visible as your last entry. To change the priority, please use the up or down arrows. In addition, you can create multiple investment strategies or stop your strategy at any time. Once you have chosen your investment strategy, it will not be updated. If you would like to make any changes, for example, add a new loan originator, you will need to do this manually in the Auto Invest section.
The annual gross interest rate of each investment strategy is an indicative measure. The actual annual gross interest rate of any individual portfolio created by the investment strategy may be lower or higher depending on the actual loans included in the selected portfolio.
Take advantage of our investment strategies and achieve your investment goals with just a few clicks of a button!
*The annual gross interest rate is interest paid to investors and it excludes estimated bad debts and fees (if any). The annual gross interest rate of each investment strategy is an indicative measure that is based on past performance and is subject to change. Your actual annual gross interest rate may be lower or higher depending on the actual loans included in the selected portfolio.
**The weighted average term is based on past data and is calculated by averaging the maturities of all applicable loans. The investment strategy will invest in loans based on their availability on the marketplace. The actual maturity of loans in any individual portfolio may vary.