Wer Go & Grow von Bondora kennt, dem wird das Konzept des neuen Mintos-Produkts bekannt vorkommen. Weiter unten gehe ich auch auf die Unterschiede. Lars Wrobbel zeigt die 3 großen Besonderheiten, die Mintos mitbringt. Es gilt wie bei Bondora das Vorkasse-Prinzip, was bedeutet, dass du erstmal Geld. Doch welche Plattform ist die bessere: Bondora oder Mintos? In diesem Beitrag möchte ich die Vor- und Nachteile beider Plattformen beleuchten.
„Invest & Access“ von Mintos vs. Bondora „Go & Grow“Es ist unter Umständen nicht möglich, Vermögenswerte von Go & Grow sofort zu liquidieren oder Geld sofort abzuheben. In diesem Fall werden wir. Ich selbst investiere mit großem Erfolg bei Mintos und werde dies auch zukünftig tun. 19 Gedanken zu „p2p Kredite Vergleich – Mintos, Twino, Bondora, Viventor &. Doch welche Plattform ist die bessere: Bondora oder Mintos? In diesem Beitrag möchte ich die Vor- und Nachteile beider Plattformen beleuchten.
Bondora Vs Mintos Beitrags-Navigation VideoMintos Invest \u0026 Access vs. Bondora Go \u0026 Grow after 4 Months - 1.000€ Experiment
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.
I was not smart enough to buy discounted loans on the secondary market last month. Wow, happy to read your comment!
People are crazy? Maybe yes. The thing is that everyone is different and investing is complicated when things get…complicated. Hi, i like the article, well written!
I am intrigued by the buy back guarantee and not quite sure how it works. I tried to look for answers on Mintos blog, but nothing so far.
But based on your article you have experience with that, would you mind If I ask you following questions? Happy to answer as an investor, Anna.
Yes, the funds paid by the buyback formula will just appear on my account. It is all automated and I can see the process happening if I want to in the account statement sections.
Yes, buyback is important, but what is more important is WHO is offering the buyback. The buyback is not by Mintos , but it is offered from the loan originators.
Some small lenders had problems lately, but the impact on good and varied portfolio was very very limited. Can You write what regulation is applied onto Mintos, what is the registration number?
Questions are welcome here. Here is the registration number as a company: Commercial Register of the Republic of Latvia under registration No.
Mintos should get also the electronic money license within Your email address will not be published. Save my name, email, and website in this browser for the next time I comment.
Table of Contents. What is Mintos P2P? FKTK Latvia is the national regulator. Mintos does not provide any buyback of late loans.
I had my loans smoothly bought back a thousand times, so I can say: Mintos Buyback works What I like to be careful about is the reliability of the lender.
More on this topic in my boring newsletter. Visits are welcome at Mintos offices. I am planning to go very soon to say hello!
Worst things on Mintos 3 are the worst things I find on Mintos The three preset investment strategies are the thing I like less on the whole website.
When I invest with Mintos I have access to a huge number of loans that have been granted all over the world.
This system forces Lenders to buy back loans that are 60 days overdue. It works for now. Only a few lenders have not honoured this promise. In an ideal world I am never delayed and only have regular loans.
In the real world, it is better for lenders to buy back loans because they have immense profit margins. Just as on Amazon I find shops and companies that sell their products on the Amazon website, so Mintos serves their loans in an orderly and pseudo-guaranteed way.
So, starting from the principle that things that last a long time tend to last even longer Lindy effect for Nassim Taleb then Bondora is one of the safest P2P lending.
Bondora started business in , it is also profitable, this is a good sign, but the risks remain, as with all P2P lending platforms. They developed the software themselves and can figure out whether or not the applicant has what it takes in a few minutes.
Millions of investors in Europe could invest in loans hands-off. The 6. P2P sounds exciting to you? It is for us too. Nevertheless, we wanted to hedge our risk a little further and divided our investment between Mintos and Bondora.
Like Bondora, Mintos is a P2P credit platform. But does not offer an "overnight money function" like Bondora. On Mintos we have invested the same length of time as on Bondora and so far we are also very satisfied.
We would like to make a short neutral comparison before we write our Bondora conclusion. Bondora offers very innovative investment opportunities that are second to none.
The returns are tempting and the user-friendliness is very high. The overnight money function makes Bondora very user-friendly and you can rely on the support.
There is even a certificate for the tax by the way! Our Bondora experience so far is consistently positive. P2P loans are nevertheless a risky investment.
Bondora was created during the financial crisis of and has also weathered the crisis of well so far.
Should you decide to take it, please do as Warren Buffett says:. So invest only a small part of your assets for now.
Is Bondora a possible platform for you to diversify your portfolio? If not, why not? We are interested in both, please share your opinion in the comments!
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Hello I have already dealt with the topic further. And now I would like to transfer money from my neon account to bondora to take advantage of Transferwise.
However, I cannot specify a payment purpose on the app, which Bondora needs to assign my payment. Is there a solution I don't know about yet? Thank you already for the answer.
I am a big fan of this blog and am always happy to receive new contributions. Found a solution. Just enter all identification numbers in the line "Beneficiary" and it will arrive at the destination.
LG Fabian. Hey I am very interested in the Bondora Portfolio Plus and would like to have more information on how to get started. My recommendation is always to have a look at it yourself.
So you can open the free Bondora account and see which settings are available in the plus area. Everything that confuses you can find out separately at Bondora or Google.
I also invest there myself, if you have questions you are welcome to send me an email! What does it look like for tax purposes, or how much effort is required to correctly disclose this investment in the taxes?
Hi, Schügi, thank you for your positive feedback! You really get the tax document at the touch of a button.
Zunächst kann jeder Investor selbst aktiv werden und P2P Kredite manuell über einen sogenannten Primärmarkt auswählen.
Hier werden zunächst Kriterien festgelegt, im Anschluss investiert das Tool automatisch in die P2P Kredite, die diesen Kriterien entsprechen.
Und es kommt noch besser: Wem auch das zu viel Arbeit ist, der kann sich für eine vordefinierte Strategie von Mintos entscheiden.
Insgesamt stehen drei verschiedene dieser Strategien zur Verfügung, die unterschiedliche Investorentypen ansprechen sollen.
Hierbei handelt es sich um ein Tool, das dem Investor deutliche Vorteile in Sachen Verfügbarkeit des Kapitals einräumt.
Dadurch gewinnst Du enorm an Flexibilität. Ein Sekundärmarkt existiert bei Bondora genauso wie bei Mintos. Diesen muss man allerdings erst freischalten, um ihn nutzen zu können.
Beide Plattformen überzeugen durch viele Einstellungsmöglichkeiten und Tools zur Automatisierung. Auch wenn mir die Entscheidung hier schwer fällt: Der Punkt geht in dieser Kategorie knapp an Mintos.
In Runde drei werfen wir einen genaueren Blick auf die Diversifizierungsmöglichkeiten. Genauer dreht sich hier alles um die Produktvielfalt.
Die Antwort liefert diese Runde im Kampf Bondora vs. Viele verschiedene Kreditgeber Stand Oktober sind es unglaubliche 60 Stück bieten hier tausende von P2P Krediten in verschiedenen Währungen aus verschiedenen Ländern zum Investieren an.
Auch in Sachen Kredittyp hat der Investor im wahrsten Sinne des Wortes die Qual der Wahl und kann beispielsweise zwischen Autodarlehen, Immobiliendarlehen, Geschäftskrediten und vielem mehr wählen.
Einzig verschiedene Währungen werden hier nicht angeboten, was meiner Meinung nach allerdings nicht wirklich als Nachteil zu sehen ist.
Beide Plattformen überzeugen durch ein breites Spektrum an verschiedenen Krediten. Bei beiden lässt sich sinnvoll über Kreditgeber, Länder und Kreditnehmer diversifizieren.
Nicht nur die Sicherheit des Geldes, das Du auf eine P2P Plattform transferierst, sondern auch das Ausfallrisiko eines Kredits soll hier beleuchtet werden.
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. When that is said, I think you should never invest anything if you are not willing to lose it all.
And I think months will be too long time if a global economic crisis hits us. In general, I would consider less risky assets if you are dependent on the money or if it will hurt your net worth a lot of you lost all of it.
Yes, I actually have, but I simply do not have the time to invest manually, but I do believe you can get some really deals there! Do you use it?
Just started to look into it. Or, am I missing something? Yes, there are quite a few people who capture great loans with high interest and sell them at a premium on the secondary market.
You are exactly right. Low liquidity is definitely a downside of Mintos and other platforms. I have added it to the article now.
I have negative capital income due to interest on our housing loan. Therefore, I spoke with the Danish tax authorities a couple of years ago and they gave me that number as an approximation of what my effective tax rate is on capital gains from peer-to-peer lending.
But 7. I know the feeling.