What is your current strategy?
What is your current strategy and return on investment?
Here is mine:
Return is above 10% at the momement (after 4 years)
Here is my current setup:
- investing manually
- 10-20% rio
- max. 36 month
- Investment per Note as low as possible
Max 2% per loan provider
Minimum Rating 6 and more
I check my portfolio max once per month.
If you are german you can ready more here about my strategy here - Mintos Erfahrungen
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My strategy is to cash out everything that I have on this website regarding the lack of transparency... I can only advice people to do the same as fast as they can...
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What is your concern exactly? Back in the day, there was no information at all. Now, they provide more and more information.
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My strategy : avoid short term loan, they are late, and return aren't enough
lender ask for 300% apr and we got annualized ~14 : Not worth the riskI take mostly high quality lender (7+, or very high portefolio performance : +8) and high yield 13+%
Diversification is among the best lender of the plateform (poor)
Min 6 months, max 40 months automated on the secondary market. I don't buy Notes with 20%+ late or i take 2nd strategy with discount ~0.5% minimal. Theses discount can boost the return.
The lack of transparency is real but they improve step by step, i saw that they added recently some financials information about lender which is notable to trust the lender and their capacity to follow their engagement.
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Nicolas Mayer sounds interesting. Maybe I also give this a try. At the moment I switched the free money to the autoinvest from mintos, because I don't have to focus on it all the time.
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