Using P2P Lending To Reach Financial Freedom

Mintos Income

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Updated: 03-10-2019

Mintos is my favorite platform to invest with currently. Mintos offers great returns and a very high level of diversification. Mintos frequently has 400.000 loans consistently on the primary market. Furthermore, you will find 150.000+ loans consistently on the secondary market.

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Performance – Mintos income

Mintos Income - September 2019
Mintos Income – September 2019
Mintos Portfolio Value - September 2019
Mintos Portfolio Value – September 2019
MonthMintos incomeMintos portfolio valueXIRR
Sep-18160,07
Oct-181,38561,4510,35%
Nov-183,35564,87,16%
Dec-185,34570,1411,35%
Jan-194,76619,2410,02%
Feb-195,27718,1810,21%
Mar-196,09724,2710,18%
Apr-197,61931,2512,61%
May-1910,2941,4513,14%
Jun-198,83950,2811,25%
Jul-1910,82961,113,66%
Aug-1913,451174,5516,79%
Sep-1911,881199,8212,14%

Mintos is one of my passive income accounts in P2P lending. My account is returning about 8-10 euro a month. However, I have discovered new information which should allow me to increase my returns slightly. My old strategy was to keep my money safe, selecting all loan originators with a B+ or greater rating and Buyback guarantee. This meant an average return of ~10%. My new strategy (which you can read here) was to set higher requirements and I have sorted out originators which do not pay interest on delayed loans. With the new strategy, my average return is ~13.5%. Furthermore, it seems as if Mintos has started releasing higher-yielding loans on its platform.

Comments of Mintos income

I want to investigate if the returns will increase with the new strategy. I have had zero problems with Mintos so I will keep my funds to accumulate. Mintos is one of the bigger P2P sites so if we are close to a recession I would rather have my funds on a bigger site which can take a financial loss for a period. Mintos as passive income is really great when the auto-invest is set properly, and for now I will just enjoy.

Visit my portfolio page to follow the total increase in my portfolio.

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