Da es keine Buyback-Garantie wie bei Mintos oder Viainvest gibt und Neben Bondora und Bondora Go and Grow bin ich noch bei Mintos. Wer Go & Grow von Bondora kennt, dem wird das Konzept des neuen Mintos-Produkts bekannt vorkommen. Weiter unten gehe ich auch auf die Unterschiede. Es ist unter Umständen nicht möglich, Vermögenswerte von Go & Grow sofort zu liquidieren oder Geld sofort abzuheben. In diesem Fall werden wir.
P2P-Plattformen im Vergleich: Meine Erfahrungen mit 6 Anbietern nach 3 JahrenMintos Invest & Access oder Bondora Go & Grow). Bei diesen Portfolios übernimmt der Plattform Betreiber das. Wer Go & Grow von Bondora kennt, dem wird das Konzept des neuen Mintos-Produkts bekannt vorkommen. Weiter unten gehe ich auch auf die Unterschiede. 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 Beitrags-Navigation VideoMintos Invest \u0026 Access vs. Bondora Go \u0026 Grow after 6 Months - 1.000€ Experiment
Bondora Vs Mintos Gute an Highroller ist, gilt es. - Social MediaEs muss damit gerechnet werden, dass Kredite von den Kreditnehmern nicht zurückgezahlt werden können und das investierte Geld Elv Lastschrift verloren ist.
I will try to define which is for me the best peer to peer lending tool among the four, not only Mintos Vs. Let me explain the differences and advantages of these 4 peer to peer lending and whether Mintos or Bondora or IUVO or Estateguru is better.
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.
My average net annual return before tax has been I am really satisfied with this level of return. It outperforms my average returns on the stock market and it is my most stable investment.
I do recognize, though, that high returns come with high risk. My loans are well-diversified across different loan originators, loan terms and interest rates.
My current loans have an average weighted interest rate of This shows that future returns will be slightly lower. I prefer to set and forget my investments.
All my investments are automatically executed by Mintos. I only invest in platforms with autoinvest functionality. Autoinvest enables me to invest in loans according to specific criteria automatically.
Autoinvest on Mintos gives you the option to rank different autoinvest strategies. This means that the system will execute orders on your highest prioritized autoinvest strategy before moving on.
I use this prioritization to invest in high-interest loans before low-interest loans. Lately, it has been difficult to get high-interest rate loans.
Thus, I have increased the maximum investment amount per loan for all strategies. For each loan originator, you have the option to set even more settings.
Once you have activated your autoinvest strategy it quickly fulfills the orders. Make sure to initially put a cap on the portfolio size of your strategies to check whether you have set them up correctly.
Once an order is locked, there are no cancellations except if you sell the loan on the secondary marketplace. You cannot automatically include new loan originators or countries as they are added to the platform.
I log on the platform once a month and tick off the new loan originators in my different autoinvest strategies to include as many as possible.
The secondary marketplace has a lot of loans available and most often some quite lucrative ones. Many people try to sell their loans at a premium in the marketplace, so make sure you catch the good deals.
Last year, Mintos launched autoinvest on the secondary marketplace. This has turned out to be a good idea.
I invest in the secondary marketplace because interest rates on the primary marketplace have decreased over time. I plan to sustain higher average interest rates doing this.
I use nearly the same autoinvest settings as in the primary marketplace. YTM calculations include the following assumptions: 1 investment in the loan is made at the quoted price, i.
YTM is comparable to the nominal interest rate of loan; 4 late loan payments are expected to be received the next day.
I know that the secondary marketplace is increasing in popularity. More than 15, loans are sold each day on the Mintos secondary marketplace.
More than 24, investors buy loans in the secondary marketplace, so it is a popular choice. Finally, you should be aware that you pay secondary market transaction costs straight away e.
This means you then take over the loan to get the interest and principal payments over time. Borrower default is one of the risks associated with investing in P2P lending.
How does the buyback guarantee protect you from this? You decide to invest 10 EUR in a loan on Mintos. The borrower cannot repay the 10 EUR.
If you do not have a buyback guarantee you would have lost the investment. But, with a buyback guarantee, the loan originator issues a guarantee to repurchase the loan.
This happens when the payment is delayed by more than 60 days. The loan is bought back from the investor with the value of the outstanding principal — including accrued interest income.
This means you still get the expected return up until that date and can re-invest the money into a new loan. I like this concept as it shifts risk from you to the loan originator.
It will always invest in this product before investing in your autoinvest strategies. The strategy is set up to be fully diversified across the marketplace.
First, you can always withdraw your money under normal market conditions. I tested out the product for EUR, and my conclusion is clear.
The returns are simply not as good as when I autoinvest myself. Investing in financial assets always comes at a risk. 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. 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! With P2P platforms it is especially important to pay attention to large, established platforms.
Because among the P2P platforms there were or are like everywhere where money can be made also black sheep. But Bondora has been on the market since and is not yet one of them.
Over million Euros have already been granted in loans and an average of Despite all the successes: P2P loans are a risky investment.
So invest only a small amount of your assets. As always, you should not put all your eggs in one basket.
The Schwiizerfranke portfolio at Bondora, has so far no delays or reduced returns to announce due to the financial crash of Also none of our readers has so far reported on this.
However, we have read that some investors were probably invested with larger sums and are now worried.
They probably assumed that there would never be a financial crash and wanted to sell their loans and withdraw their money at the same time.
But the P2P platforms must always find buyers for the sellers, just like a stock exchange. Delays in payment for these panic dropouts therefore seem to have occurred.
We leave our money invested and see what happens. Bondora has been prepared for crises:. How does that work? For you, it looks like an overnight deposit account with 6.
Behind the scenes Bondora works with your capital and generates more than the 6. Everything beyond that is your profit, which you put aside for crises like the Corona Crash.
More information directly from the Bondora team:. Bondora offers two ways to invest in P2P loans. Let's start with the easy way:. Technically it looks a little different, but the convenience is the same.
You can access your money at any time and receive a handsome 6. Bondora uses it to grant loans and keeps the excess return for itself. The risk for you?
Should the entire Bondora platform go bankrupt, your capital is not secured. But as long as Bondora itself continues to operate solidly which is verified by strict regulations , Bondora guarantees you the return.
Our assessment: Never say never. For more than 3 years now we have been very satisfied with Bondora, but have nevertheless only invested a small percentage of our assets.
Bondora Portfolio Pro explains:. Here you can have a direct influence and enter your risk tolerance, for example. Every loan receives a rating from Bondora.
The higher the risk of a loan default, the higher the risk is rewarded by interest. We do not yet know whether this will always remain so.
So far we are happy, but we are sticking with a moderate investment. So the risk that one day Bondora might not exist anymore.
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.
Hier sind also keine unangenehmen Auffälligkeiten festzustellen. Auch die Sicherheit das Investieren betreffend ist bei Mintos sehr positiv hervorzuheben da die Plattform eine der wenigen ist, auf der eine sogenannte Rückkaufgarantie zur Verfügung steht.
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.