Core Loans portfolio replaced the Mintos Core and previously 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.
Core Loans
Your Core Loans portfolio (previously known as the Mintos Core and Diversified strategy) fully diversifies your investment and covers all current loans with a Mintos Risk Score of 10.0 to 4.0 with a buyback obligation. The algorithm prioritizes diversification and returns. 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 obligations and a Mintos Risk Score of 10.0 to 7.0. 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 1.0. 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.
Mintos Core Loans and Mintos strategies are designed to invest in both the Primary and Secondary Markets. This feature allows for investments below the standard minimum of 50 Euros for the Primary Market. The primary reasons for this are to enhance diversification and facilitate cash-outs from other investors.
When an investor withdraws funds from a Mintos Core Loans portfolio or Mintos strategies, the system automatically sells these investments to other investors within the same Mintos portfolio, subject to secondary market conditions (as the minimum investment in Secondary Market is 1 Euro). Consequently, investments under 50 Euros made by Mintos portfolios are recorded in investors' account statements as Secondary Market transactions.