In some situations, you may accumulate uninvested funds in your account even though you’re using Mintos strategies or custom automated strategies. Here are some tips on what you can do to make sure your money gets invested:
If you’re using a Mintos strategy or custom automated strategy
- Your strategy might be stopped
You can start or stop your Mintos strategy or custom automated strategy anytime. Stopped strategies are marked with a red dot next to the strategy name on your Invest page. To start a stopped strategy, click … next to your strategy and select Resume investing. - Your strategy might have reached its limit
Mintos strategies and custom automated strategies will stop investing once they hit their strategy limit. To raise your strategy target and invest more with a specific strategy, click … next to your strategy and select Change target for Mintos strategies, or select Edit strategy for custom automated strategies.
If you’re using a custom automated strategy
- Your strategy might not find matching loans
Your custom automated strategy will invest in loans that match your defined criteria. If your criteria are too restrictive, your strategy might not find matching loans to invest in. To check your strategy settings, click … next to your strategy and select Edit strategy. Click Show matching loans on the right side to see how many available loans match your criteria. You could also create a new strategy with looser criteria and lower priority to invest your uninvested money. - Your strategy might be configured to invest in lending companies with no supply
If you’re using a custom diversification, check if you have diversification rates assigned to lending companies with no loan supply. To check your strategy settings, click … next to your strategy and select Edit strategy. Click Show matching loans on the right side to see how many available loans match your criteria. To check or update your diversification settings, scroll down to the general information section and click Diversification settings. We recommend using default diversification, which takes loan supply and invested amounts into account, and to update your diversification settings from time to time. - Reinvestment might be off
Your custom automated strategy can be set to reinvest your returns. To check if reinvestment is active for your strategy, go to the Invest page and look for the Reinvest on or Reinvest off status next to your strategy. To switch on reinvestment, click … next to your strategy and select Edit strategy. - Your minimum investment might be set too high
Your custom automated strategy has a minimum investment per loan. If your uninvested funds are less than this amount, your strategy will not invest. To check your minimum amount, click … next to your strategy and select Edit strategy. - Your strategy settings might be outdated
The loan supply from a lending company can change over time, or the company or Mintos might decide to stop cooperation. As a result, the allocated part of your strategy may not be reinvested. We recommend reviewing your strategy regularly to make sure it still meets your investment goals. To check your strategy settings, click … next to your strategy and select Edit strategy. Click Show matching loans on the right side to see how many available loans match your criteria. To check or update your diversification settings, scroll down to the general information section and click Diversification settings. We recommend using default diversification, which takes loan supply and invested amounts into account, and to update your diversification settings from time to time. To get updates on the lending companies on Mintos, follow our blog.