Meet the High-Yield Bonds portfolio – a hassle-free way to invest in high-yield corporate bonds thanks to full automation.
Instead of selecting bonds yourself, the portfolio does the work for you. It automatically spreads your investments across at least 20 different bonds and continuously reinvests to help you reach that target. This built-in diversification helps manage concentration risk while aiming for stronger return potential.
Key benefits of the High-Yield Bonds portfolio:
- Automated bond investing: The High-Yield Bonds portfolio automatically selects and invests in high-yield corporate bonds. Your coupon payments are automatically reinvested back into the portfolio to help you achieve stronger diversification.
- Cash out anytime: Unlike investing in bonds elsewhere, you can access your funds within the portfolio by cashing out¹.
- Dynamic diversification: The High-yield Bonds portfolio aims to invest in at least 20 bonds across different industries to limit overexposure and reduce risk. The portfolio continuously adjusts as new bonds become available to maintain diversification.
- Low entry point: Corporate bonds typically require large minimum investments, making them less accessible for most retail investors. The High-yield Bonds portfolio lets you invest in these same types of bonds from €50.
- Low fees: Keep more of your returns working for you thanks to the High-Yield Bonds portfolio’s low fee of 0.39%. Charged monthly, the fee will be automatically deducted from your High-Yield Bonds portfolio balance. Enjoy fee-free investing until 31 December 2025.
Is the new High-Yield Bonds portfolio for me?
The High-Yield Bonds portfolio is designed for anyone who wants automated, hassle-free bond investing. Whether you're new to bonds and want an easy way to get started, or you're already investing and looking to save time, this portfolio does the work for you.
How do I get started?
- Once signed into your Mintos account, navigate to ‘Invest’ and select ‘Create portfolio’ under the Bonds section.
- Choose ‘High-Yield Bonds’ on the ‘Select automated bond portfolio’ screen.
- Follow the instructions
- Review information about the portfolio and select ‘Activate portfolio
2'. - Select ‘Top up’ to start investing in your new High-Yield Bonds portfolio.
How can I manage my High-Yield Bonds portfolio?
- You can monitor and manage your High-Yield Bonds portfolio by navigating to the ‘Bonds’ within the ‘’Portfolio’ section once signed in.
- Here you can view specific portfolio details such as how much you’ve invested, the average yield, and your returns.
- You can also transfer additional funds, stop the portfolio from investing, or initiate a cash out from this screen.
How can I cash out?
- To cash out, first ensure that you have funds within the ‘Portfolio cash’ section of your High-Yields Bonds portfolio.
- Then simply select ‘Cash Out’ from within the portfolio and enter how much you’d like to withdraw.¹
How does the portfolio diversify?
- The Mintos High-Yield Bonds portfolio is designed to reach a minimum diversification target of at least 20 bonds. Rather than using the total Portfolio cash amount at once, the portfolio will pursue maximizing diversification.
- Stronger diversification usually starts by having at least €1000 allocated to the portfolio. This enables broad diversification by investing in enough bonds to limit overexposure and reduce risk.
How much are the fees?
- Mintos High-Yield Bonds has a portfolio management fee of 0.39%. The fee is based on your portfolio's daily balance, is charged monthly, and will be deducted from your portfolio's cash.
- However, until 31 December 2025, the Mintos High-Yield Bonds portfolio is completely fee-free.
For additional information on the High-Yield Bonds portfolio, please visit the dedicated Mintos Help Center page.
1Cash out will be executed at the prevailing market prices on the respective day and can take anywhere from a few minutes to a few days.
2In order to invest in the Mintos High-Yield Bonds portfolio, users must meet the Suitability & Availability requirements