Mintos Invest & Access oder Bondora Go & Grow). Bei diesen Portfolios übernimmt der Plattform Betreiber das. Mintos, Lettland, 10€, 12,5%, Zu Mintos». Bondora, Bondora logo, Estland, 1€, 9,9%, Zu Bondora». EstateGuru, EstateGuru, Estland, 50€, 11,8. Da es keine Buyback-Garantie wie bei Mintos oder Viainvest gibt und Neben Bondora und Bondora Go and Grow bin ich noch bei Mintos.
P2P-Plattformen im Vergleich: Meine Erfahrungen mit 6 Anbietern nach 3 JahrenWer Go & Grow von Bondora kennt, dem wird das Konzept des neuen Mintos-Produkts bekannt vorkommen. Weiter unten gehe ich auch auf die Unterschiede. Mintos, Lettland, 10€, 12,5%, Zu Mintos». Bondora, Bondora logo, Estland, 1€, 9,9%, Zu Bondora». EstateGuru, EstateGuru, Estland, 50€, 11,8. Lars Wrobbel zeigt die 3 großen Besonderheiten, die Mintos mitbringt. Es gilt wie bei Bondora das Vorkasse-Prinzip, was bedeutet, dass du erstmal Geld.
Bondora Vs Mintos Is it ethical to invest in P2P lending? VideoMintos Invest \u0026 Access vs. Bondora Go \u0026 Grow after 1 Month - 1.000€ Experiment
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. I started investing in P2P lending as a test, but having tried it and experienced the quite good returns, it has become a fixed part of my investment strategy.
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. Andreas 21 Apr Reply. Hello Eric Exciting article - thanks for that. Eric 21 Apr Reply.
Hello, Andreas, thanks for your message! Leave a Reply Cancel reply Comment. Enter your name or username to comment. Enter your email address to comment.
Enter your website URL optional. 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.
Everybody is different and the perception of the risk id tolerated in different ways. Only some specialized P2P forum have contributors that have been long time investors on Mintos and can talk.
All the rest is noise. Mintos is definitely well known on forums. There is a lot of discussion going on on forums since Mintos is one of the most popular P2P ever.
Beware of who is writing before taking any decision about your finances, since anyone can contribute to financial forums.
Specialized forums are usually much more reliable compared to general forums. Mintos is famous on P2P forums also among the most experienced investors who want to bring frequent changes in their portfolios.
I tried, it works. In the Invest and Access there are loans, so nothing changes, this is P2P investing. Yes, money is invested and accessible at the same time.
I have performed some tests on Invest and Access to see if the money was instantly available. Invest and Access test result:. I setup an invest and access portfolio in addition to my custom strategies.
There is NO conflict between portfolios strategies, so I can have both. Some time later I decided to cash in to see if it worked and if it was really that liquid.
Yes, as promised, money was instantly available, but only current loans. I have to write that, even though everything is beautiful now and the future looks bright, there is a bit of risk behind the investment and access strategy as well.
As I said, this is still P2P loans investing. Occasionally Mintos originators offer some incentives to invite investors to get more of their loans.
I think this is ok, but there is a hidden danger behind it. What if those loans country, duration, type are not fitting my strategy?
Will I buy it only because of the bonus? Doing an investment only because of some bonus or tax relief can be a bad idea. Last year Mintos released a rating tool to help investors to choose the right loan originators.
I cannot say it. Common sense will get me to think that riskier loans should get a lower rating and especially a higher interest paid to investors.
I am not sure if this happens. Here is what I think of the mintos lenders ratings and my best Mintos lenders.
It is ok to rely also on Mintos official rating, BUT I believe it is also good not to limit diversification.
More lenders means more countries, more loan types and different duration. When I went to look at what was inside it I decided not to use any of the three and not to mention it on my blog.
The bright side? Lately, Mintos is starting to getting rid of some low performing lenders and this is a very good sign for me.
The first defaulted originator name was Eurocent. There is no bright side. There would be one the day Mintos will be able to make people forget about that little issue.
For the sake of completeness, taking into account the size and the number of loans processed by Mintos to date, the Eurocent impact is getting very marginal.
Three more small lenders had issues lately but even this time the impact was marginal. There are several ways to invest, but Mintos is convoying investors towards this three, especially the first one:.
Moreover, it is easy to setup. I mainly use the auto-invest custom strategy to have complete control over what I buy.
It has been read and printed by thousands of investors and I am proud of it. I also do some manual investing to find out more about loans originators offer and to test the primary and secondary markets functionality.
The thing I value most is transparency in P2P investing.. When a tool is not publicly sharing data with investors there is something wrong.
A lender with many late loans may be ok because of other reasons. Mintos is a profitable and transparent company , but peer to peer investing is safe until something happens.
What are risks in P2P investing and in particular with Mintos? The feeling I get besides the numbers is that they care, they want this company to work, and they look like a good team.
If I want to reduce risks on Mintos I spread my capital on a large number of loans in many countries, instead of focusing somewhere.
Some investors focus only on short term loans to reduce risk. 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. 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. I test myself and cashed my money in 1 day.
It sound rather sustainable. So far all this has proved to be sustainable and has gone through one of the most shocking economic crises in decades almost unscathed.
This is a platform with registered office in Estonia, opened in , active in the p2p consumer loan market.