Conservative Loans Portfolio

Robert Germain Margue

• 30/03/2026 11:47

Hi,

I am running a Conservative Portfolio.  As far as I remember, this is supposed to only invest in Lending Companies with a Mintos Risk Score of 7.0 or higher.  However, some investments still go into MFO OnlineKazFinance JSC (Risk Score 6.6) and Vivalia, S. A. de C. V., SOFOM, E.N.R. (Risk Score 6.5).

The reason why I am holding on to this portfolio is because I wish to avoid EUR investments in MFO, because the amount of pending and overdue payments is just way too high.  I have a separate KZT account for such investments, where the number of pverdue payments appears to be much lower.

Please, can you check the algorithm to make sure the Conservative Portfolio works as it should?

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• 

  Lucja (Mintos)

  Community moderator

  • 07/04/2026 14:26

  Hi Robert Germain Margue
  Thanks for your question. I understand your concern.

  The Conservative strategy actually allows investments in lending companies with a Mintos Risk Score from 10.0 down to 6.5, so the cases you mentioned (6.6 and 6.5) are still within its criteria.

  At the same time, the strategy applies additional safeguards (e.g., buyback obligation, limits on overdue/pending loans, and daily rebalancing) to reduce risk overall.

  If you’d like to avoid specific companies or markets, a custom strategy might give you more control.

  You can check the full criteria here:
  https://help.mintos.com/hc/en-us/articles/360001781298-What-are-the-investment-criteria-for-Core-Loans-and-legacy-Mintos-strategies

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