Investieren Sie in Kredite und verdienen Sie ein passives Einkommen. Wir verbinden Sie mit Tausenden von Möglichkeiten weltweit auf unserem Marktplatz. Hier können Sie mehr darüber lesen coachoutletstoremerch.cominvestieren-und-risiko/. Wir empfehlen auch immer das Portoflio zu diversifizeren. Wenn. Mintos macht Investitionen in P2P-Kredite leicht. Investieren Sie in Ihre finanzielle Zukunft und verdienen Sie mit unseren attraktiven Zinssätzen ein passives.
BewertungszertifikatHier können Sie mehr darüber lesen coachoutletstoremerch.cominvestieren-und-risiko/. Wir empfehlen auch immer das Portoflio zu diversifizeren. Wenn. Mintos macht Investitionen in P2P-Kredite leicht. Investieren Sie in Ihre finanzielle Zukunft und verdienen Sie mit unseren attraktiven Zinssätzen ein passives. Mintos ist ein Peer-to-Peer-Marktplatz für Kredite. Er verbindet Kleinanleger mit Kreditnehmern vieler Kreditgeber. Investieren Sie in Kredite und verdienen Sie.
Mintos.Com Comment fonctionne Mintos ? VideoAMA (Ask Mintos Anything) with Mintos CEO Martins Sulte, 28 August 2020 Below you can find more information about tax implications for Persil Mix Caps residents of Eurolotto Jackpot Höhe countries. Skip to content. If you want your investments to be sold faster, you can try to attract potential buyers by adding a discount - the strategy is up to you. Is it a pyramid scheme? Mintos.Com there is anything you think we could improve, feel free to send us your suggestions at support mintos.
This is far from the truth, as you can invest from all over the world, with only a few restrictions based on EU regulations.
I think Mintos is proving to be an excellent way for non-European investors to gain access and exposure to the European market and earn Euros, which is also a way for them to hedge against currency risks.
Mintos is open to both private and corporate investors. So if you want to invest via your company, you can easily do so. At Mintos, investors can invest in different types of loans originated by many different loan originators.
Loans can be of the following types, and you can, of course, limit your investment to specific types when setting up your auto-invest.
All across Europe, more and more shops are adopting a microloan facility at checkout, where you are able to buy the product and pay later. These microloans are managed by companies like Revo.
Another question is which countries you can invest in via Mintos. We can further add another layer of diversification by investing in loans denominated in several different currencies.
With Mintos, you have the option of investing in 30 different countries and 12 currencies. This makes it the most well-diversified platform that I know about.
Over the past two years, Mintos has been expanding the investment opportunities on the marketplace beyond Europe by offering loans in Africa, Latin America, and Southeast Asia.
I am currently using several auto-invest profiles that I tweak every few months as necessary. As you can see in the screenshot below, my net annual return is You might see other financial bloggers report higher returns, which you can certainly achieve if you go for longer-term loans.
I tend to stay within the month range for my loans, as I feel it gives me some extra flexibility if I decide to re-allocate my funds to better asset classes at a later point in time.
Due to having invested a substantial amount in Mintos, I get to have my own personal contact on the platform, so whenever I have any queries I can bypass the general support system and go to my contact directly.
I really appreciated this as it gives me extra peace of mind knowing that there is a specific person who knows me and the way I invest and can answer my queries that same day.
Although this is not something that is advertised on the Mintos website, I believe they assign a personal contact once you invest more than 50, euros on the platform.
In fact, whenever I need to check something quick I typically use the online chat facility on their website. One of the new things Mintos has introduced in is the Mintos strategies.
The Conservative strategy invests in loans from lending companies with the best portfolio quality. Mintos strategies are a fully automated way of investing.
To get started, you just select the amount you want to invest. Your exact portfolio mix automatically adjusts to the market.
Your strategy will be automatically upgraded to a Diversified strategy. I think the secondary market deserves its own section as it has become such an important part of the platform.
The secondary market is what gives Mintos the capability to have such high liquidity for its investors. The way to offload loans if you need cash is to sell them on the secondary market.
Buying and selling loans on the secondary market is very easy. If you want to buy, you can set up an auto-invest strategy to pick up loans specifically from the secondary market, with the same criteria as you are able to set up for the primary market.
You can also manually buy loans from the secondary market from the dedicated page on the Mintos website shown above.
You can of course filter according to your wishes and then click the Invest button to buy those loans. Many investors try to pick up good loans at a discount and thus improve their rate of return even further.
If you are looking for very quick liquidity, you can select the loans you possess, and then hit the Sell All button to sell them off on the secondary market.
Before you do that, it would be a good idea to set a small discount on those loans, as that will make them much more likely to be picked up by other investors looking for bargains and extra profits.
The secondary market is huge on Mintos. As of writing this post, there are in fact more loans available on the secondary market than on the primary market.
There is a small 0. This 0. The Secondary Market thus offers considerably liquidity to those investors who want to exit an investment early and is a very important component in this platform.
If Mintos did not have such a good secondary market, I would not have invested such a big amount of money here. You can withdraw money and deposit it without any delays when using this platform, and there are no costs for doing so.
I know a lot of you have reached out to me to ask how they can avoid fees that are charged to them by their banks when withdrawing or depositing money from P2P platforms, and I can offer you a good piece of advice on that front.
I have several digital bank accounts set up that help me avoid any fees and also enable me to do currency exchanges at the best rates. I can recommend all three of them.
They all give you a free debit card as well so you can use it for shopping or when traveling. They work just like your local bank account but will likely have a better user interface, the comfort of online support and no ridiculous fees.
You can check out my post about depositing and withdrawing money from peer to peer lending platforms for more information about the topic.
A little-publicized aspect of Mintos is the investor club. This is a program that Mintos has created for its most valuable investors.
Think of it as VIP treatment for investors. We created this program to offer greater benefits to the most valuable and influential investors.
Here are all the perks for being in the investor club. I had, in fact, asked my service associate to send me a weekly report showing the performance of my investments, a request which was duly and rapidly attended to.
I find receiving an email report more productive for my workflow than having to login to the platform regularly.
I like to keep my investments as hands-off as possible. When you set up an auto-invest strategy, you will notice that all loan originators have been assigned a Mintos Rating.
In addition, the financial standing of the loan originator is a material factor when the buyback guarantee is provided to investors.
Counterparty risk is capturing operational and default risk of the company acting as a loan originator, servicer of loans and obligor of the buyback guarantee to investors.
The materialization of those risks would cause a disruption in loan servicing and the buyback fulfillment which are the core risks related to loan originators on Mintos.
Additionally, a support factor is incorporated for loan originators who receive guarantees from the group or a related company.
The Mintos Rating is based on information obtained during the initial due diligence process and data from ongoing monitoring.
This includes the primary information from loan originators such as management interviews, site visits, audited and interim financial statements, corporate presentation, credit policy and risk control documents.
This could be due to a cash injection, positive or negative regulation being implemented in the country of the loan originator and so on.
I would recommend doing your own research in loan originators if you are investing big sums of money, else you can definitely use the Mintos loan originator ratings as your guide for smaller amounts.
As we have already mentioned, P2P lending is a moderate risk investment, and you must be aware that loans can default. With Mintos, you get a buyback guarantee as we discussed earlier.
Thus the biggest potential downside of investing with Mintos is that a loan originator goes bankrupt, as I described with the Eurocent case above.
The only way to mitigate this risk is to keep an eye on the profitability of the loan originator. Most of them release their financial reports to the public every year, so you can see how they are doing.
This is not as easy as it sounds, however. Unaudited financial statements are not as trustworthy when compared to audited ones.
During a world recession, credit companies are some of the hardest hit as borrowers default on their loans due to having lost their jobs or having experienced severe pay cuts.
One other risk is that interest rates rise in the future, making it harder for you to sell your existing loans with lower interest returns on the secondary market, if you wished to do that.
Of course, you could also just let the loans run their course and continue receiving payments until maturity. That way, you minimise the chances of having to sell loans prematurely, potentially at a time that is not advantageous.
As of Mintos is extremely liquid meaning that you can throw thousands of Euros at the platform and see them invested within minutes, and conversely, you can also sell your loans on the secondary market within a day or two.
Although it is not currently a problem, it could become so at any point in time, even though it might only be for a short time.
If there is a surge in popularity for P2P lending platforms, we will have a situation where lots of lenders are competing to lend while there are not enough borrowers, which will result in a higher cash drag, because you have to wait your turn.
Cash drag is not usually anything like that much. Moreover, Mintos is currently the biggest platform in Europe and has proved itself to be competent by providing great communication with its investors as well as a very liquid primary and secondary market for loans for several years now.
This means that when you convert back to Euro, you might lose money depending on how the rates have moved in the meantime. This could, however, also be an opportunity to make extra returns.
I like to keep things simple myself so I only invest in Euro. I also use Mintos to minimise the cost of currency conversions.
My Average Yield. Investment Protection. What I Liked. Buyback guarantee on most of the loans. Huge amount of loans available.
Really easy to diversify. Auto-invest function. Secondary market. What I Didn't Like. Auto-invest function sometimes slow to react. Learn More. What is Mintos?
Is It Safe to Invest on Mintos? Empezar a invertir con Mintos. Guillem Roig. Pero ahora lo tengo controlado. Un saludo Responder.
Un saludo! Un saludo y gracias Responder. Gracias por avisar. Un saludo. Gracias Responder. Muchas gracias Responder.
UU entiendo el riesgo de estas inversiones pero su analisis profesional del scoring de riesgo es preocupante Sin contar la falta absoluta de respuesta mi disconformidad la hare publica lamento sinceramente la falta de respuesta Responder.
Un saludo y muchas gracias Responder. Guillem Responder. Saludos, Responder. Gracias de antemano Responder. Espero que te haya resuelto tu duda.
Saludos Responder. Hola Antonio, Tu pregunta es muy acertada. Espero que te haya resuelto tu duda Antonio. Ceci afin d'identifier le contenu que vous trouvez le plus utile.
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