Your path to broader diversification

Mintos offers long-term investors an easy-to-use online investment platform for growing their money with a unique mix of alternative and traditional investments.

We believe most people don’t want to spend a lot of time actively managing their portfolios. Also, most investors are better off investing for the long term, since this protects them against market volatility. We make it easy to get started, and our automated portfolios keep your money working for you hassle-free.

Mintos has grown into one of the largest investment platforms in Europe. With ETFs, stocks, bonds, loans, real estate, crypto ETPs, and Smart Cash, you can invest in a unique asset mix and earn passive income on a single platform through Mintos.

Mintos has garnered recognition for its innovation, winning multiple awards, including AltFi's People's Choice Award and AltFi's Alternative Finance Platform of the Year.

Investment firms like Mintos are subject to financial regulation. In the EU, this includes MiFID II and other applicable regulations. This supervision provides additional protection for investors by making sure financial institutions follow established rules and requirements. In this regulated environment, investors benefit from additional layers of protection and transparency.

• Mintos is required to hold investors’ financial instruments and uninvested funds separately from its own assets.
• The investor compensation scheme protects investors by providing compensation if Mintos fails to return financial instruments or funds to investors.
• Mintos is required to safeguard investors from taking on excessive risk by assessing their individual situation.
• Investors are provided with in-depth information that aims to help them make well-informed investment decisions.

More about investor protection

Your return depends on the performance of the assets in your portfolio. We focus on long-term, high-yield investments to give your money the greatest chance of growing over time and earning you passive income.

Your Core Loans portfolio is diversified automatically. Your Core Loans portfolio aims to diversify your investments using a proprietary algorithm. It will invest in loans from different loan types, geographies, and lending companies. It will consider several factors, including the demand for specific investments and their availability, to reach the target diversification rate. While you can start with any amount and grow your portfolio over time, we recommend a portfolio size of €2 500 or more to achieve optimal diversification. The exposure is capped at 15% per lending company.

Fractional Bonds make bond investments accessible to retail investors. The vast majority of bonds require high minimum investments of €10 000 or more for a single investment. Moreover, many bonds, especially high-yield ones, aren’t available to retail investors at all.

This makes it difficult for many retail investors to build a bond portfolio. On Mintos, we are changing this: You can invest in small fractions of a bond, starting from just €50, and conveniently build a diversified bond portfolio.

Investing in a single, well-rounded ETF portfolio such as Mintos Core ETF can be a great way to save time and money.

• You don’t have to spend a lot of time researching and choosing between thousands of ETFs and figuring out how to combine them into a balanced portfolio.
• Buying a single ETF requires fewer trades compared to building a multi-ETF portfolio, which could save you time and money.
• A single ETF portfolio can make it easier to reach the target weights with a lower minimum investment (just €50 for Mintos Core ETF). And when you want to invest additional money or sell part of your portfolio, you won’t have to juggle several ETFs to keep to your target weights.

Mintos makes real estate investments accessible to retail investors. Such investments typically require significant capital to buy the entire object. Moreover, the purchasing process can be lengthy, and considerable fees or taxes can apply.

This makes it difficult for many retail investors to invest in real estate, and even more challenging to build a well-diversified portfolio combining real estate with other asset classes. On Mintos, we are changing this: You can invest in small fractions of real estate, starting from just €50, and conveniently build a diversified portfolio with a balanced asset mix.