Wer Go & Grow von Bondora kennt, dem wird das Konzept des neuen Mintos-Produkts bekannt vorkommen. Weiter unten gehe ich auch auf die Unterschiede. Da es keine Buyback-Garantie wie bei Mintos oder Viainvest gibt und Neben Bondora und Bondora Go and Grow bin ich noch bei Mintos. Doch welche Plattform ist die bessere: Bondora oder Mintos? In diesem Beitrag möchte ich die Vor- und Nachteile beider Plattformen beleuchten.
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. 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.
Bondora Vs Mintos 78 komentářů VideoMintos Invest \u0026 Access vs. Bondora Go \u0026 Grow after 3 Months - 1.000€ Experiment 10/13/ · Mintos Vs Bondora Vs IUVO Vs Estateguru [comparison] Posted on 13/10/ 23/11/ by Sal from Revenue Land. 13 Oct. Today I try to describe the differences between Mintos, Bondora, IUVO and Estateguru. I will try to define which is for me the best peer to peer lending tool among the four, not only Mintos Vs. Bondora. Bondora vs. Mintos – Das Endergebnis. Dieser kleine Wettkampf hat gezeigt, dass Mintos definitiv der Platzhirsch unter den P2P Plattformen ist. Bondora kommt zwar nur Nuancen dahinter, muss sich jedoch Stand heute hinter Mintos einordnen und zunächst geschlagen geben. Dies soll jedoch die Qualität von Bondora in keinster Weise schmälern. 4/10/ · Bondora vs. Mintos. Secure premium and starting credit. What is Bondora and how does a P2P investment work? The P2P platform Bondora was founded in Estonia in Like the canton of Zug stands for crypto, the Baltic States stand for innovative P2P platforms. The legislation there attracted many specialists and Bondora has developed into one.
This is why I set up this portfolio with the aim to resist to an economic slowdown and possibly to avoid major issues in the future. Some zero-point-something extra yield may not be making that huge difference, and safer is always better.
See Mintos with your own eyes. In truth, now I am the kind of investor …I would have liked to speak to before starting myself with Mintos.
Who the hell is RevenueLand? As I said, my point of view about Mintos is built around my active use of all of its features over time. I really put my heart in writing this.
This is not some computer-generated content. If you feel this is useful to you, say thank you now by sharing it! This way is easy to check if the team has a background in the field required.
In this team picture men outnumber women. In Latvia Women outnumber men source: UN. This is Mintos on Crunchbase.
And here is the official profile of Mintos on Linkedin. BTW, Mintos is hiring! This is the official email to apply: HR at Mintos.
Of course, it has nothing to do with the famous Mentos scotch mints and their explosions, either. Mintos ratings on this consumers reviews website are really good but, should we trust it?
To be honest I believe having good ratings on this website is absolutely a good sign but, beware of who is writing. The average reviewer might not be an expert when it comes to complex tools like this, or simply his opinion comes too early to say if he is a happy user or not because P2P lending is a long term stuff.
There are a few Mintos bad reviews, so I went straight to read the worst Mintos reviews! Here is the last one:.
Since I know cashback codes may not work, I prepared a list of updated P2P bonus my readers can use or save. Other complaints are mostly from UK residents that lately have been prevented to add funds to their Mintos account.
The average Mintos review is undoubtedly good. This is for many reasons, and one is that Mintos is simply performing as a good tool, no bad surprises, and authors are happy with it.
There are so many discussions on forums about Mintos that you could spend two days on it and understand nothing.
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.
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. All loans on IUVO are covered by the buyback guarantee.
It comes into play after 16, 30 or 60 days of delay, depending on terms. Their business model is undoubtedly similar to that of mintos.
IUVO does not have loans of its own as Bondora does. On IUVO there is a common self-invest that works well. There is also the opportunity to invest in different currencies of the euro but this is always a risky operation.
Investing in foreign currencies adds a layer of uncontrollable complexity to the already risky investment in loans.
This also applies to the stock market or other investments. They will remain there until you transfer them to your private account and in the meantime will earn interest at 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! We have something special for all those who don't want to read numerous books and blogs first, but want to get into the topic of finance in a compact and entertaining way: We have created a crisp, entertaining online course from the most important questions of our readers!
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?
Und das wohlgemerkt inklusive Zinsen. Obwohl diese Rückkaufgarantie ohne Zweifel eine sehr tolle Sache ist und bislang hervorragend funktioniert, hat das System jedoch noch keine Finanzkrise durchlebt.
Wie sich die Rückkaufgarantie im Falle eines solchen Szenarios schlägt ist also bislang unbekannt. Demnach gilt: Trotz Rückkaufgarantie ist Vorsicht besser als Nachsicht.
Gerät also ein Kreditnehmer in Zahlungsschwierigkeiten und kann seine Raten nicht mehr bedienen, droht im schlimmsten Fall der Totalausfall Deines investierten Kapitals.
Bondora hat zwar eine sogenannten Lohnpfändungsplan im Kreditvertrag installiert, der im Falle eines Ausfalls des Kreditnehmers greifen soll, hierüber lassen sich jedoch nur wenige Informationen finden.
Der Punkt an Mintos, da die Rückkaufgarantie jedoch bislang tadellos funktioniert — allerdings eine sehr knappe Entscheidung. Kurz und knapp: Bei beiden Plattformen bin ich bereits mit dem Support in Berührung gekommen.
Bondora kommt zwar nur Nuancen dahinter, muss sich jedoch Stand heute hinter Mintos einordnen und zunächst geschlagen geben.
Dies soll jedoch die Qualität von Bondora in keinster Weise schmälern. Beide Plattformen werden höchsten Ansprüchen gerecht und können jedem Privatanleger wärmsten ans Herz gelegt werden.
Anzahl Bewertungen: 4. Bisher keine Bewertungen! Sei der Erste, der diesen Beitrag bewertet. Bondora und Auxmoney.
Der Finanzmarkt ist seit jeher ein sehr lebendiger und wandlungsfähiger Schauplatz. Immer rücken neue Anlageinstrumente….
P2P Kredite biete Investoren eine stattliche jährliche Rendite, die sogar bis in den zweistelligen Bereich…. Bondora hat schon ewig einen Zweitmarkt.
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.
I have the same concerns as you with respect to a potential crisis. Do you have a maximum percentage of your portfolio for this kind of high risk investment?
All the best, Carl. Thanks for sharing your thoughts. I am currently at 10 pct in mintos, but have seen declining interest rates probably due to the platform becoming more popular , so have started looking for alternatives and will probably be pulling my money from mintos over the coming months.
I have also started investing in peer-to-peer lending, and after doing some research, I found that Mintos was the best choice for me.
This objective review of Mintos was certainly a help in the process of finding the best peer-to-peer lending platform! Have you started investing via other platforms since making this post?
Yes, I highly agree that Mintos is one of the best out there for European investors.