Mintos returns at 1,5 years

Mintos is running another campaign to catch new investors, since it seems like they’re getting a lot of new originators, so I thought I’d take a look at how my portfolio has been doing.

I started building my company portfolio in Mintos a year and a half ago, with the plan of having a very passive part of my portfolio there. There is a lot of originators to choose from, there isn’t really a lack of loans, and the current 12%+ returns with close to zero effort is a bit too good to be true long term, so might as well enjoy it.

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Pretty much all the money you transfer in gets pretty much instantly invested unless you have a very specific criteria (very short loan terms, very limiter originator selection). For me, my portfolio is very heavily mogo loans focused, but overall I haven’t really put a lot of effort into managing or perfecting my Mintos strategy.

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Interest wise, I was steadily adding money month-by-month. The small drop thisy year in interest growth is because I stopped adding money in February. This isn’t due to anything Mintos did, it’s because I just needed to stack up some cash since I’m in the process of applying for a mortgage.

Overall, at about 4K invested into the portfolio, it’s about 40-45 euros interest per month, so at this rate, it’s a nice 500+ euro investment per year that is about as low maintenance as it can be. Definitely going to keep boosting it once I’m able to direct more money back into investments, especially since Twino seems to be struggling to offer short term loan volumes, so Mintos has pulled ahead in terms of money invested, for my portfolio at least.