Mintos, the European peer-to-peer consumer lender, has announced several changes in auto-invest services, to give peer-to-peer investors more choice over the level of risk they want to take. Now creating a strategy that matches your preferences is easier than ever before.
Diversified
The Diversified strategy will give you the highest diversification and is the most similar of the new strategies to Invest & Access.
- Fully diversifies your investment across current loans from all lending companies with a Mintos Rating of A+ to C-
- The algorithm prioritizes diversification
- Loans with and without buyback guarantee included – 99% of the loans on Mintos have a buyback guarantee
- Maximum exposure of 15% in each lending company
Conservative
The Conservative strategy invests in loans from lending companies with the best portfolio quality.
- Invests in current loans from lending companies with a Mintos Rating of A+ to B-
- The portfolio of the companies is at least 80% current, and it has less than 10% pending payments
- The algorithm prioritizes risk reduction
- Loans with buyback guarantee
- Maximum exposure of 15% in each lending company
High-yield
The High-yield strategy invests in loans with the highest interest rates.
- Invests in loans with the top 60% interest rates and a Mintos Rating of A+ to C-
- The algorithm prioritizes returns
- Loans with buyback guarantee
- Maximum exposure of 15% in each lending company
