Mintos, Lettland, 10€, 12,5%, Zu Mintos». Bondora, Bondora logo, Estland, 1€, 9,9%, Zu Bondora». EstateGuru, EstateGuru, Estland, 50€, 11,8. Doch welche Plattform ist die bessere: Bondora oder Mintos? In diesem Beitrag möchte ich die Vor- und Nachteile beider Plattformen beleuchten. Ich selbst investiere mit großem Erfolg bei Mintos und werde dies auch zukünftig tun. 19 Gedanken zu „p2p Kredite Vergleich – Mintos, Twino, Bondora, Viventor &.
P2P-Kredite Vergleich: Peer-to-Peer Plattformen im TestWer Go & Grow von Bondora kennt, dem wird das Konzept des neuen Mintos-Produkts bekannt vorkommen. Weiter unten gehe ich auch auf die Unterschiede. Mintos Invest & Access oder Bondora Go & Grow). Bei diesen Portfolios übernimmt der Plattform Betreiber das. Ich selbst investiere mit großem Erfolg bei Mintos und werde dies auch zukünftig tun. 19 Gedanken zu „p2p Kredite Vergleich – Mintos, Twino, Bondora, Viventor &.
Bondora Vs Mintos How safe is Mintos? Risks to be aware of when investing VideoMintos Invest \u0026 Access vs. Bondora Go \u0026 Grow after 2 Months - 1.000€ Experiment
Investing in direct structure may be safer since the claims are against the borrowers, but not many care about this aspect.
Investing in lower APRs loans can be also more sustainable and also ethical. I always filter out the highest APR loans.. Individuals and companies can invest through Mintos.
Investing as a company may also bring some tax relief. In any case, Mintos has to be able to identify the investor. Asian and middle east investors can also invest with Mintos in most cases sending money through a Payoneer or Transferwise.
I am curious to see if it will really add value to investors or will just be a wrapped copy of the website. This is huge. So instead of having money idling on a savings account, it can be invested and available almost instantly.
I am enthusiast about this news, but I normally avoid mix savings account and investing accounts for now. My biggest fail with Mintos was waiting too long to give it trust and start investing.
I was scared to death of transferring money on an unknown foreign bank account. It equals to a How old are you? Is it a realistic expectation?
Yes and no. It is also very difficult to think that nothing will change in the interest rate paid in the next 40 years.
Inflation was not taken into account, but it should, in order to get a more exact outcome. Here is the right page for people ready to register where I explain the difference between Promo code and Referral link.
I have formed my opinion investing myself and collecting information in and out of Mintos. Here is what I found out. Make informed decisions and visit Mintos on your terms.
Have I missed something? What is preventing you from starting P2P? What are Mintos best alternatives?
The most popular alternatives to Mintos are Peerberry, Twino and Bondora. A full explanation about the safest way to get the Mintos invitation is here.
Investing in P2P loans brings a fair share of risk but returns are very interesting. Mintos is considered one of the safest P2P thanks to its internal diversification, its guarantee formula , its business model and a trusted management.
In order to use this formula investors just need few clicks. The investor cannot make any adjustment. Passionate DIY investor building my financially peaceful future.
I believe in helping people, which is why I share what I am learning. Fabulous review I invest in Mintos for 1 year now and I share your oppinion about the platform.
CEO Martins Sulte seems a very competent, inteligent and professional man and he is taking good care of his company.
I see a bright future for Mintos and my only regreta was not knowing of it sooner. Nevertheless everyone should understand very clearly that there will always be risk involved in lending your Money around and DO NOT pour all your money into this new inovative techmologies… one step at a time.
I only invest in Mintos in terms of P2P and I intend to keep it that way as I see na increased risk going into smaller platforms.
If I can make it grow then I get some motivation back. Of course savings accounts and P2P investing should never be compared.
Thank you for commenting and for the nice words, Nuno. I try to answer your question from my investor point of view.
I am not a financial planner, so I never offer recommendations, either here or in the newsletter. If compound interest exist and nothing changes by I will have Excellent review, even if there are too many lender default risks and no more cashback campaigns on Mintos.
Mintos is still one of the safest P2P for me after 4 years. Was Mintos better before? It took 3 days sunday included to see my 19k in the available funds.
I think it worked fine. DO this. Forget about me, go to Mintos and decide for yourself. Consider that lowering too much the APR will eventually reduce the diversification on more lenders.
A very high APR is not always unsustainable. In general a lower APR is more sustainable and ethical. Nice write up but recently I have been researching Mintos and whether to invest with them and the majority of comments seem to be negative.
This is the same re the comments on their own website blog. Do you have any views on this and whether it is safe to continue investing when so many are pulling out?
Which LOs do you see as strong in the current climate and which are to be avoided? I am happy to answer, Tommy. I believe we all know investing brings a certain degree of risk.
Safe investments are a non-sense in most cases. This is to say that investors know they can lose some money while they earn morn money.
So I earn, I lose and the balance is positive since 15 years, this is why I dared to start a small blog.
Mintos allows me to invest, so it is dangerous, it is not fixed income. Mintos will also suffer this crisis if the lockdown will be too long but what counts is the positive balance in the long term.
Mintos and P2P in general offer diversification, so moving from loans to stocks now is pointless. The same thing on Estateguru.
I can see a bit more late loans now in my Mintos but interests are flowing as usual. I expected a bigger impact from the virus problem.
What is Bondora and how does a P2P investment work? Advantages of Bondora. Negative Bondora experience? How Bondora is dealing with the Corona crisis.
Portfolio Pro. Bondora vs. Secure premium and starting credit. Diversification: 1. Bondora spreads your investment across many loans. This reduces your risk.
Bondora is digital and fully automated. This makes it easy for investors and ensures functionality at all times. Established Founded in the financial crisis of and also in Corona times there are no delays or problems so far.
How exactly Bondora is dealing with the crisis you can find out in the video below. No German hotline: Bondora is trying to serve more and more languages and German is at the forefront.
The platform is of course accessible in German, but the customer hotline is not yet. But we have never needed it in 3 years. At Mintos you can see many details about every single loan.
We don't care about that, because we give out a maximum of a few Euros per loan and therefore we are not interested in where the borrower comes from and what he does with the few Euros as long as he pays back.
But the platforms take care of the demand for repayment. There's this quote by Warren Buffett: "You can't see who swam without their bathing suit until the water is out of the pool.
Bondora Estonia. Call money function. Test winner. Mintos Latvia. No call money Function. Conclusion Bondora offers very innovative investment opportunities that are second to none.
Should you decide to take it, please do as Warren Buffett says: "Don't test how deep the water is with both feet.
Time is money. Redeem a voucher. Eric 25 Sep Reply. Hello, Fabian, thank you for your positive feedback! Many greetings, Eric! Fabian 25 Sep Reply.
Fabian 5 Aug Reply. Kind regards. Eric 6 Aug Reply. Hello Fabian have you already opened an account? Schügi 14 Jul Reply. Many thanks for the detailed article.
You only mention that there's a tax report from Bondora. Is it really that simple? Eric 14 Jul Reply.
Schügi 17 Jul Reply. TryAndError 21 Sep Reply. Eric 21 Sep Reply. It is not keeping me from investing in Mintos yet.
I am testing out other platforms at the moment to see how much returns will differ in the months and years to come. Does Mintos sound like something for you?
I have made a deal with them which gives you a 0. If you sign up directly on Mintos. Mintos changed its policy on November 18, , for all affiliates.
If someone says otherwise, their information is not up-to-date. For the record, I started investing with Mintos long before deciding to become an affiliate.
Before investing with Mintos, I urge you to do a bit of research on the other platforms to find out whether they suit you better.
You could also consider real estate crowdfunding as an alternative. I have tried creating a video review below not me speaking though to help people who would rather watch a video than read a long post.
Hope you like it! A new revision of your Mintos review is long overdue. They are now barely worth 2 stars. They do not follow closely their loan originators, have no collective insurance worth its name, allow loan originators to prematurely return loans, and reissue them with lower rates.
They behave badly towards investors and fail to inform them about re-rating of loan originators. Thanks for this great post.
You have done a great job analyzing Mintos. Can I ask. What does it matter if short-term loans need to be reinvested all the time?
It was quite a while ago I set the strategy, so it might have changed since then. However, when I invested in short-term loans I often had more cash drag since they had to be reinvested frequently.
It solved the problem to exclude them. I could consider setting up different strategies in prioritized order going from 1 high rate, long term, 2 high rate, medium term, 3 high rate, short term, 4 slightly lower rate, long term, etc.
Hahaha, you got me there! Hi Carl, I have a pretty low technical question — how do you transfer money to Mintos? The only way seems is a money transfer and that costs dkk in my stupid nordea bank thinking about changing that which eats into the profit a bit.
Do you have any tips how to do it more efficiently? Yes, I know it is a bit irritating with the bank fees. People talk about some interesting strategies but wanted to hear some outside opinions too.
Hi Carl. For me, it does not really change that much. Actually, I would never start mixing things: do my weekly shopping and paying with a Mintos Card, paying all the small things to pay during the daily life on a Mintos Card, or even receiving money from completely other things in a Mintos Account… No , I would definitively not do that.
I have the Mintos setup completely different, I can do super easily and detailed follow-up about how everything is going, and by the way, everything is going very well.
Why would I like to mix everything? To summarize, honestly for me there are no real benefits in all this. What about you? How do you see it? Yes, I agree they are trying to expand into new business areas.
Yes, my buyback guarantee has been activated several times — it happens automatically. Mange tak for en spaendende og inspirerende blog, som jeg foelger med stor interesse.
Paa engelsk, saa ogsaa dine ikke-dansk talende laesere kan foelge med :. I have a quick question regarding the size of your portfolios in your auto invest strategy — I can see that the portfolio sizes are set very high.
Is this to increase the total amount that can be invested for each loan originator, or what is the reason? Also, will the diversification work across strategies, or could you risk that large sums are invested through the same originator?
Hope my questions make sense. The portfolio size on your autoinvest strategy is the maximum amount that will be invested and re-invested in that particular strategy over time.
Some people use it to limit how much they want to invest in loans with certain criteria. You are right that it can influence the diversification across loan originators.
If I set my portfolio size to This is acceptable to me given my total investment is a lot higher. If your total investment is low and you only invest in few loan originators, you should maybe not set the portfolio size as high as everything might be invested in one loan originator.
Regarding your second question, diversification settings do not work across autoinvest strategies as I understand it. Your post and your results are really encouraging.
I think I might take a look at Mintos for myself. Can UK bank accounts be used or just EU accounts? Brexit looming on the horizon.
Thanks, Winnie! Thanks for replying. Yes, I also believe the stock market will be turbulent in , so crowdlending could be a way to diversify, but I would never put as much money in crowdlending as I do in stocks.
Good question. If cryptocurrencies are 1 in safe, stocks are 4, bonds are 8, then I would say a Like this, if you want to recover the invested money, you disable the autoinvest option, and in months you should be able to transfer the money you invested plus the interest.
This to avoid exposure for long periods and be able to go out ig global economic situation starts to be less favourable…. I think that is a good idea, Filipe.
You should never invest for a longer period than you are willing to take on the risk for. Diese Regel ist keineswegs unbekannt und in vielen anderen Bereichen der Geldanlage zu finden, beispielsweise beim Aktienhandel.
Welche Plattformen sind seriöse, zuverlässig und bieten eine ansprechende Rendite? Beide P2P Plattformen zählen zu den beliebtesten und populärsten Vertretern im deutschsprachigen Raum und konnten binnen der letzten Jahre eine breite Anhängerschaft aufbauen.
In diesem Beitrag möchte ich die Vor- und Nachteile beider Plattformen beleuchten und einen spannenden Wettkampf zwischen beiden Vertretern starten.
Zum Weiterlesen und Bonus abstauben! Mit diesem Beitrag möchte ich einen detaillierten Vergleich zwischen beiden Plattformen ziehen, der die wichtigsten Bereiche für P2P Investoren genauer unter die Lupe nimmt.
Die Plattform Mintos überzeugt durch eine cleane uns sehr aufgeräumte Struktur. Hier findet sich jeder Einsteiger sofort zurecht.
Auch fortgeschrittene Anleger finden hier nützliche Tipps und Tricks. Der Mintos Blog rechtfertigt also jederzeit einen Besuch.
Einziger Minuspunkt: Mintos erklärt überwiegend, wie die eigene Plattform funktioniert. Gerade das wäre für Einsteiger jedoch sehr nützlich, um die eigenen Fähigkeiten zu verbessern.
Bondora muss sich hinter Mintos definitiv nicht verstecken. Der Aufbau des Online-Angebots ist sehr gut gelungen und lässt sich sogar an die eigenen Bedürfnisse anpassen.
So kannst Du beispielsweise das Hauptmenü individuell konfigurieren. Hier warten nicht nur sehr ausführliche Blogbeiträge, sondern auch informative Erklärvideos.
Dadurch wirkt Bondora sehr transparent und kundennah. Verwirrend kann jedoch die Flut an Statistiken und Kennzahlen wirken. Im Vergleich zu Mintos stellt Bondora deutlich mehr Informationen zur Verfügung, was gerade Einsteiger schnell überfordern kann.
Beide P2P Plattformen überzeugen durch eine perfekt konzipierte Struktur. Hier muss sich definitiv keiner vor dem anderen verstecken.
In Runde zwei sollen die Investmentmöglichkeiten untersucht werden. Hier stehen die Automatisierung und die Produktvielfalt im Vordergrund.
Mintos bietet verschiedene Möglichkeiten, um in P2P Kredite zu investieren.