Currently, there is only one predefined Mintos portfolio available on the platform – Mintos Core. It replaced the Diversified strategy in December 2022, when the other two Mintos strategies (Conservative and High-Yield) were discontinued. While investors who joined Mintos before this date can still invest using legacy Mintos strategies, their performance may be limited.
Mintos Core
Your Mintos Core portfolio (previously known as Diversified strategy) fully diversifies your investment and covers all current loans with a Mintos Risk Score of 10.0 to 1.5 with buyback obligation. The algorithm prioritizes diversification. The exposure is capped at 15% per lending company. The portfolio will invest only in Sets of Notes that have less than 20% exposure to late loans. It will not invest in a Set of Notes if any of the underlying loans are more than 10 days overdue. To give you the best diversification for additional protection and stable returns, your investment criteria adjust to market conditions.
Conservative
Your Conservative strategy invests in current loans with buyback obligation and a Mintos Risk Score of 10.0 to 6.5. The algorithm prioritizes risk reduction. The portfolio of the lending companies issuing the underlying loans is at least 80% current, and it has less than 3% pending/overdue payments. The exposure is capped at 15% per lending company. The strategy will invest only in Sets of Notes that have less than 20% exposure to late loans. It will not invest in a Set of Notes if any of the underlying loans are more than 10 days overdue. To give you the best diversification for additional protection and stable returns, your strategy is rebalanced every day.
High-Yield
Your High-yield strategy invests in loans with the highest interest rates, buyback obligation, and a Mintos Risk Score of 10.0 to 1.5. The algorithm prioritizes returns and diversifies across the top 60% interest rate opportunities on the platform. The exposure is capped at 15% per lending company. The strategy will invest only in Sets of Notes that have less than 20% exposure to late loans. It will not invest in a Set of Notes if any of the underlying loans are more than 10 days overdue. To give you the best diversification for additional protection and stable returns, your strategy is rebalanced every day.