[STRATEGIE] Mintos Notes Diversification - Short term oriented

Fab

• 3/08/2023 04:43
• Edytowano

Hey Mintos fellas,

I would like share with you my strategies, and get some advises from you, especially if your have a lot of experience in investissements.

Well, Basically, I have splitted 5000 euros in 5 Notes  (1000 euros each, Therefore 20% Each):

Mintos strategies :

Note 1 - 1000E - Automatic Mintos Core

Plus, Custom automated strategies :

Note 2 - 1000E-12 Months MAX-8/16Pourcent-Europe-Primary Market

Note 3 - 1000E-1 Months MAX-11/13Pourcent-Europe-Primary Market

Note 4 - 1000E-2 Months MAX-11/16Pourcent-SpainLituan-Primary Market

Plus, Custom manual investments :

Note 5 - 1000E- 6 Months MAX-11/16Pourcent-Worldwide-Primary Market

Well, as you can see, it is mainly short-term strategies (AVG 6 Months). Except for Mintos Core auto-managed by mintos.

But I am wondering if my Note 3 and 4 (1 month et 2 months ) are usefull or useless ?

 

Moreover, It looks like possible to invest on lending company with a remaining term : Late.

Is there any strategies about that ? I mean, who do that and what could be the goal/target ?

 

Have a nice day,

Fabien

 

 

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• 

  Mayer Nicolas

  • 3/08/2023 08:07

  (No english speaker here)

  Hi fabien,

  I am not an expert on P2P loan and this kind of plateform but in my opinion:

  1st goal is liquidity, even with 60 days late on repayment, you can have a little return and your funds are more easily and faster recoverable.  

  2nd goal is diminishing the risk. The longer the loan the longer you support the risk inherent of the plateform and the lender.

  3rd goal: you can have access to the campaign more easily without putting fresh money from else where 

  I tried to test this kind of loan but i didn't do the maths properly for the return and my total amount invested is too little to maximazise the performance (50E to invest in primary market) if you need to wait 4-5-10 days to have the funds and buy a set of notes to continue investing you lose many points of performance annualy.

  As you saw many times the short term are subject to late payment and many problem due to the borrower, the risk is higher that there is delay. 

  It would be nice to have someone who can give the real return on this kind of strategy with 5k+. That would imo have little to 0 drag down. 

  Best regards,

  0

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