Mintos expands automated investing with new High-Yield Bonds portfolio

Mintos, the leading European platform for long-term wealth building, introduces the High-Yield Bonds portfolio – an automated way for investors to access high-yield bonds.

The new automated portfolio builds on Mintos’ existing offering of bonds, and represents a step forward in bringing accessible, diversified wealth management to investors. It allows investors to gain exposure to a range of high-yield bonds without having to handpick them individually. Once activated, the portfolio automatically spreads funds across at least 20 high-yield bonds from different industries and keeps them reinvested to help maintain diversification over time – all powered by a proprietary Mintos technology.

“Investors told us they want access to higher yields, but without the complexity that usually comes with selecting and buying individual bonds,” said Martins Sulte, CEO and Co-Founder of Mintos. “With automated investing in high-yield bonds, we’re bringing professional-level diversification and access to a market that’s often out of reach for most retail investors – all in a simple, transparent way.”

Rising demand for bonds

Over the past year, Mintos has seen a steady rise in investor interest in bonds. Platform data shows a 61% increase in the number of investors who have started investing in bonds, driving an 86% growth in the total amount invested between 2024 and 2025.

In a period marked by economic uncertainty and fluctuating interest rates, many investors are turning to bonds for their stability and regular income – a combination that helps balance risk and bring predictability to long-term portfolios.

Mintos has also doubled the number of bonds available on the platform, with bonds from over 40 European issuers featured to date, including airBaltic, Eleving, Esto, Nexus, Reima, and Summus Capital.
This expansion reflects a growing shift among Mintos investors toward diversified, income-generating strategies – where bonds complement existing investments in loans and ETFs to balance yield and risk.

Simplifying access to high-yield bonds

High-yield bonds often come with high entry barriers. Mintos lowers that threshold to €50 through fractionalization, enabling retail investors to access bonds that would otherwise require much higher commitments.

By automating bond selection, allocation, and reinvestment, the High-Yield Bonds portfolio helps investors stay diversified without the need for manual management. Investors can also access a refined bond overview interface for easier comparison, and new tools such as the Mintos Risk Score for bonds and the Bonds Wishlist.

Unlike traditional bond investing, Mintos offers the flexibility to cash out anytime, rather than waiting for bonds to mature – giving investors greater liquidity and control over their portfolio*. The portfolio carries a 0.39% annual management fee, charged monthly and deducted from the portfolio balance. To support investors getting started, Mintos offers fee-free investing until 31 December 2025.

Driven by investor insight

Recent investor research on Mintos underscores a rising interest in bonds as part of diversified portfolios. In interviews conducted in May and June 2025, participants consistently highlighted access to high-yield opportunities as the main motivation for investing in bonds. Many praised Mintos’ ease of use and low entry threshold, while more experienced investors expressed a desire for sophisticated automated strategies – feedback that directly influenced the development of the High-Yield Bonds portfolio.