About a year ago, we introduced Mintos Invest & Access, a new way of investing that combined attractive returns with increased liquidity. And the last months showed it can provide additional liquidity even in difficult market conditions: on average, cashouts complete in 5:44 hours.
While 50% of our active investors created an Invest & Access portfolio since launch, they also gave us a lot of feedback. To further improve our product offering, we listened and analyzed investor behavior, and one common theme emerged: Investors wanted more choice when it came to investing preferences. We identified the most popular preferences and distilled them into 3 new strategies that will replace Invest & Access: Diversified, Conservative, and High-yield.
With this change, creating a strategy that matches your preferences is easier than ever before. New investors will be able to get started quickly with a diversified portfolio according to their chosen profile. And experienced investors can use this opportunity to reduce the complexity of running multiple custom strategies.
Diversified
The Diversified strategy will give you the highest diversification and is the most similar to the new strategies to Invest & Access.
- Fully diversifies your investment across current loans from all lending companies with a Mintos Rating of A+ to C-
- The algorithm prioritizes diversification
- Loans with and without buyback guarantee included – 99% of the loans on Mintos have a buyback guarantee
- Maximum exposure of 15% in each lending company
Conservative
The Conservative strategy invests in loans from lending companies with the best portfolio quality.
- Invests in current loans from lending companies with a Mintos Rating of A+ to B-
- The portfolio of the companies is at least 80% current, and it has less than 10% pending payments
- The algorithm prioritizes risk reduction
- Loans with buyback guarantee
- Maximum exposure of 15% in each lending company
High-yield
The High-yield strategy invests in loans with the highest interest rates.
- Invests in loans with the top 60% interest rates and a Mintos Rating of A+ to C-
- The algorithm prioritizes returns
- Loans with buyback guarantee
- Maximum exposure of 15% in each lending company
How the strategies work
Mintos strategies are a fully automated way of investing. To get started, you just select the amount you want to invest. You’ll get a portfolio of loans that is diversified according to each strategy’s priorities. Your exact portfolio mix automatically adjusts to the market.
And just like Invest & Access, the new strategies offer additional liquidity: If you want to access your money sooner, they come with a cashout option that lets you access your money faster (subject to market demand).
Please note that Mintos strategies are only available for investments in EUR.
Existing Invest & Access portfolios receive an upgrade
If you’re currently using Invest & Access, you don’t need to do anything. Your strategy will be automatically upgraded to a Diversified strategy. If you prefer one of the other strategies or don’t want to continue investing, you can stop your Invest & Access anytime. You’ll be able to create a Conservative or High-yield strategy as soon as the new strategies have launched.
Auto Invest and manual investing become Custom strategies
We will continue to support both Auto Invest and manual investing on the Primary and Secondary Market. Investors will be able to find both options under Custom investing when creating a new strategy, or under Custom automated strategies and Custom manual investments respectively on the Invest page.
The new Mintos strategies will launch in mid-August on the Mintos website and app.
