Mintos Standard Portfolios Investing lower than 50€?
I´ve seen that my Portfolio configured by Mintos did investments into Loans with less than 50€.
Something with 3€, 8€ and others. I didn´t even have 50€ on my account yesterday, still 2 of the Standard Portfolios managed to invest.
Since the AI of Mintos told me they have no information about this, I want to know if - and why - it is possible while for manual investing they´re gatekeeping at 50€? I don´t know about custom created portfolios, didn´t check but maybe someone does know about that?
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Hi Fabian Simon Walter
Thank you for reaching out and bringing this to our attention.
It is indeed possible for Mintos portfolios to make investments below the 50 Euro threshold typically required for investments in the Primary Market. This functionality is inherent to the design of Mintos portfolios, which are configured to invest in both the Primary and Secondary Markets. The key reasons for allowing such smaller investments are to enhance portfolio diversification and to facilitate cash-outs from other investors.
When funds are withdrawn from a Mintos Core Loans portfolio or Mintos strategies, the system automatically sells these investments to other investors using the same portfolio. As a result, secondary market conditions apply, and the general minimum investment amount is 1 Euro on the Secondary Market. Therefore, investments like 3 Euros or 8 Euros are recorded as Secondary Market transactions in investors' account statements.
We have updated the information in our Help Center to reflect this, ensuring transparency and clarity for all users. Thank you for raising this topic; your feedback helps us improve our services.
If you have any further questions, please don't hesitate to contact us.
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Great, thank you a lot Lucja!
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