Updated: 02-04-2020
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.
Performance – Mintos income

Row Labels | Interest | Mintos portfolio value | XIRR |
Sep-18 | 160,07 | ||
Okt-18 | 1,38 | 561,45 | 10,35% |
Nov-18 | 3,35 | 564,8 | 7,16% |
Dec-18 | 5,34 | 570,14 | 11,35% |
Jan-19 | 4,76 | 619,24 | 10,02% |
Feb-19 | 5,27 | 718,18 | 10,21% |
Mar-19 | 6,09 | 724,27 | 10,18% |
Apr-19 | 7,61 | 931,25 | 12,61% |
Maj-19 | 10,2 | 941,45 | 13,14% |
Jun-19 | 8,83 | 950,28 | 11,25% |
Jul-19 | 10,82 | 961,1 | 13,66% |
Aug-19 | 13,45 | 1174,55 | 16,79% |
Sep-19 | 11,88 | 1199,82 | 12,14% |
Okt-19 | 9,28 | 1209,1 | 9,28% |
Nov-19 | 10,86 | 1219,96 | 10,78% |
Dec-19 | 10 | 1229,96 | 9,84% |
Jan-20 | 13,89 | 1361,06 | 13,55% |
Feb-20 | 12,76 | 1373,82 | 11,25% |
Mar-20 | 3,47 | 1142,2 | 3,03% |
Mintos is one of my passive income accounts in P2P lending. My account is returning about 10-15 euros a month. However, I have discovered new information that 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 it.
Visit my portfolio page to follow the total increase in my portfolio.