Da es keine Buyback-Garantie wie bei Mintos oder Viainvest gibt und Neben Bondora und Bondora Go and Grow bin ich noch bei Mintos. Mintos Invest & Access oder Bondora Go & Grow). Bei diesen Portfolios übernimmt der Plattform Betreiber das. Lars Wrobbel zeigt die 3 großen Besonderheiten, die Mintos mitbringt. Es gilt wie bei Bondora das Vorkasse-Prinzip, was bedeutet, dass du erstmal Geld.
P2P-Plattformen im Vergleich: Meine Erfahrungen mit 6 Anbietern nach 3 JahrenLars Wrobbel zeigt die 3 großen Besonderheiten, die Mintos mitbringt. Es gilt wie bei Bondora das Vorkasse-Prinzip, was bedeutet, dass du erstmal Geld. Mintos Invest & Access oder Bondora Go & Grow). Bei diesen Portfolios übernimmt der Plattform Betreiber das. Doch welche Plattform ist die bessere: Bondora oder Mintos? In diesem Beitrag möchte ich die Vor- und Nachteile beider Plattformen beleuchten.
Bondora Vs Mintos 4 Kommentare VideoMintos Invest \u0026 Access vs. Bondora Go \u0026 Grow after 6 Months - 1.000€ Experiment
You can also subscribe without commenting. This site uses Akismet to reduce spam. Learn how your comment data is processed. Carl is a personal finance blogger, husband and father of one living in Copenhagen, Denmark.
He works as a senior management consultant giving strategic advice to executive management in large, global companies and holds a Master's degree in Economics and Business Administration.
You can opt-out if you are not fine with this. Accept Read More. Investing Reviews. Sign up with Mintos here. Victoria Businesswomen February 19, - Thanks for this great post.
Carl Jensen February 19, - Thanks, Victoria. PuckStar October 28, - Can I ask. Carl Jensen October 7, - Ha! Anna May 21, - Hi Carl, I have a pretty low technical question — how do you transfer money to Mintos?
Omar March 5, - Hi Carl. Mark February 18, - Have you already used the repurchase guarantee? Is it worth investing in mintos in ?
Carl Jensen February 19, - Yes, my buyback guarantee has been activated several times — it happens automatically. Sara January 8, - Hi Carl, Mange tak for en spaendende og inspirerende blog, som jeg foelger med stor interesse.
Paa engelsk, saa ogsaa dine ikke-dansk talende laesere kan foelge med : I have a quick question regarding the size of your portfolios in your auto invest strategy — I can see that the portfolio sizes are set very high.
Many regards, Sara. Carl Jensen January 8, - Hi Sara. Carl January 4, - Thanks, Winnie! Winnie MD January 7, - Thanks for replying.
Carl Jensen January 7, - Yes, I also believe the stock market will be turbulent in , so crowdlending could be a way to diversify, but I would never put as much money in crowdlending as I do in stocks.
Carl December 1, - Good question. Carl October 8, - I think that is a good idea, Filipe. Mircea September 22, - Hi Carl, did you considered secondary market to improve the interest?
Carl September 22, - Hi Mircea, Yes, I actually have, but I simply do not have the time to invest manually, but I do believe you can get some really deals there!
Mircea September 23, - Just started to look into it. Carl September 23, - Yes, there are quite a few people who capture great loans with high interest and sell them at a premium on the secondary market.
Financially Free August 11, - Hi Carl. Carl July 28, - I know the feeling. Asbjorn July 28, - Hi Carl, I have the same concerns as you with respect to a potential crisis.
Cheers, Asbjorn. Asbjorn July 30, - Thanks for sharing your thoughts. Investionaire May 23, - I have also started investing in peer-to-peer lending, and after doing some research, I found that Mintos was the best choice for me.
Carl May 24, - Yes, I highly agree that Mintos is one of the best out there for European investors. Investionaire May 25, - I have also considered the ones you mention, but I have decided to only use Mintos for now.
David February 5, - Hi! Leave a Comment Cancel Reply Save my name, email, and website in this browser for the next time I comment.
February 13, January 25, January 16, Just Get Started Investing December 26, November 21, Investing vs. October 24, Carl Jensen Carl is a personal finance blogger, husband and father of one living in Copenhagen, Denmark.
Sign up for my newsletter - no spam, I promise! The Estateguru team is proving to be able to resolve any delays and disputes in record time.
Crowdestate, EVO Estate. I have written something special also about Estateguru. Some time ago I also prepared my own ranking of the best P2P lending in Europe that goes beyond comparing Mintos or Bondora.
Passionate DIY investor building my financially peaceful future. I believe in helping people, which is why I share what I am learning. It basically spreads out your withdrawal over time.
In my case it took me two months!!! Yes, what you say it is true and it is also written in the terms and conditions.
It is also true that now it is working smoothly and that it has been working fine for the 2 previous years. This is peer to peer lending and to get those huge return I know I also get some risk.
How do I deal with it? Investing in P2P loans brings a fair share of risk but returns are very interesting. Mintos is considered one of the safest P2P thanks to its internal diversification, its guarantee formula , its business model and a trusted management.
In order to use this formula investors just need few clicks. The investor cannot make any adjustment. Passionate DIY investor building my financially peaceful future.
I believe in helping people, which is why I share what I am learning. Fabulous review I invest in Mintos for 1 year now and I share your oppinion about the platform.
CEO Martins Sulte seems a very competent, inteligent and professional man and he is taking good care of his company. I see a bright future for Mintos and my only regreta was not knowing of it sooner.
Nevertheless everyone should understand very clearly that there will always be risk involved in lending your Money around and DO NOT pour all your money into this new inovative techmologies… one step at a time.
I only invest in Mintos in terms of P2P and I intend to keep it that way as I see na increased risk going into smaller platforms. If I can make it grow then I get some motivation back.
Of course savings accounts and P2P investing should never be compared. Thank you for commenting and for the nice words, Nuno. I try to answer your question from my investor point of view.
I am not a financial planner, so I never offer recommendations, either here or in the newsletter. If compound interest exist and nothing changes by I will have Excellent review, even if there are too many lender default risks and no more cashback campaigns on Mintos.
Mintos is still one of the safest P2P for me after 4 years. Was Mintos better before? It took 3 days sunday included to see my 19k in the available funds.
I think it worked fine. DO this. Forget about me, go to Mintos and decide for yourself. Consider that lowering too much the APR will eventually reduce the diversification on more lenders.
A very high APR is not always unsustainable. In general a lower APR is more sustainable and ethical. Nice write up but recently I have been researching Mintos and whether to invest with them and the majority of comments seem to be negative.
This is the same re the comments on their own website blog. Do you have any views on this and whether it is safe to continue investing when so many are pulling out?
Which LOs do you see as strong in the current climate and which are to be avoided? I am happy to answer, Tommy. I believe we all know investing brings a certain degree of risk.
Safe investments are a non-sense in most cases. This is to say that investors know they can lose some money while they earn morn money.
So I earn, I lose and the balance is positive since 15 years, this is why I dared to start a small blog. Mintos allows me to invest, so it is dangerous, it is not fixed income.
Mintos will also suffer this crisis if the lockdown will be too long but what counts is the positive balance in the long term.
Mintos and P2P in general offer diversification, so moving from loans to stocks now is pointless. The same thing on Estateguru.
I can see a bit more late loans now in my Mintos but interests are flowing as usual. I expected a bigger impact from the virus problem. I was not smart enough to buy discounted loans on the secondary market last month.
Wow, happy to read your comment! People are crazy? Maybe yes. The thing is that everyone is different and investing is complicated when things get…complicated.
Hi, i like the article, well written! I am intrigued by the buy back guarantee and not quite sure how it works.
I tried to look for answers on Mintos blog, but nothing so far. But based on your article you have experience with that, would you mind If I ask you following questions?
Happy to answer as an investor, Anna. Yes, the funds paid by the buyback formula will just appear on my account. It is all automated and I can see the process happening if I want to in the account statement sections.
Yes, buyback is important, but what is more important is WHO is offering the buyback. The buyback is not by Mintos , but it is offered from the loan originators.
In Runde drei werfen wir einen genaueren Blick auf die Diversifizierungsmöglichkeiten. Genauer dreht sich hier alles um die Produktvielfalt.
Die Antwort liefert diese Runde im Kampf Bondora vs. Viele verschiedene Kreditgeber Stand Oktober sind es unglaubliche 60 Stück bieten hier tausende von P2P Krediten in verschiedenen Währungen aus verschiedenen Ländern zum Investieren an.
Auch in Sachen Kredittyp hat der Investor im wahrsten Sinne des Wortes die Qual der Wahl und kann beispielsweise zwischen Autodarlehen, Immobiliendarlehen, Geschäftskrediten und vielem mehr wählen.
Einzig verschiedene Währungen werden hier nicht angeboten, was meiner Meinung nach allerdings nicht wirklich als Nachteil zu sehen ist.
Beide Plattformen überzeugen durch ein breites Spektrum an verschiedenen Krediten. Bei beiden lässt sich sinnvoll über Kreditgeber, Länder und Kreditnehmer diversifizieren.
Nicht nur die Sicherheit des Geldes, das Du auf eine P2P Plattform transferierst, sondern auch das Ausfallrisiko eines Kredits soll hier beleuchtet werden.
Hier sind also keine unangenehmen Auffälligkeiten festzustellen. Auch die Sicherheit das Investieren betreffend ist bei Mintos sehr positiv hervorzuheben da die Plattform eine der wenigen ist, auf der eine sogenannte Rückkaufgarantie zur Verfügung steht.
Und das wohlgemerkt inklusive Zinsen. Obwohl diese Rückkaufgarantie ohne Zweifel eine sehr tolle Sache ist und bislang hervorragend funktioniert, hat das System jedoch noch keine Finanzkrise durchlebt.
Wie sich die Rückkaufgarantie im Falle eines solchen Szenarios schlägt ist also bislang unbekannt. Demnach gilt: Trotz Rückkaufgarantie ist Vorsicht besser als Nachsicht.
Gerät also ein Kreditnehmer in Zahlungsschwierigkeiten und kann seine Raten nicht mehr bedienen, droht im schlimmsten Fall der Totalausfall Deines investierten Kapitals.
Bondora hat zwar eine sogenannten Lohnpfändungsplan im Kreditvertrag installiert, der im Falle eines Ausfalls des Kreditnehmers greifen soll, hierüber lassen sich jedoch nur wenige Informationen finden.
Der Punkt an Mintos, da die Rückkaufgarantie jedoch bislang tadellos funktioniert — allerdings eine sehr knappe Entscheidung.
Kurz und knapp: Bei beiden Plattformen bin ich bereits mit dem Support in Berührung gekommen. Also none of our readers has so far reported on this.
However, we have read that some investors were probably invested with larger sums and are now worried. They probably assumed that there would never be a financial crash and wanted to sell their loans and withdraw their money at the same time.
But the P2P platforms must always find buyers for the sellers, just like a stock exchange. Delays in payment for these panic dropouts therefore seem to have occurred.
We leave our money invested and see what happens. Bondora has been prepared for crises:. How does that work? For you, it looks like an overnight deposit account with 6.
Behind the scenes Bondora works with your capital and generates more than the 6. Everything beyond that is your profit, which you put aside for crises like the Corona Crash.
More information directly from the Bondora team:. Bondora offers two ways to invest in P2P loans. Let's start with the easy way:.
Technically it looks a little different, but the convenience is the same. You can access your money at any time and receive a handsome 6.
Bondora uses it to grant loans and keeps the excess return for itself. The risk for you? Should the entire Bondora platform go bankrupt, your capital is not secured.
But as long as Bondora itself continues to operate solidly which is verified by strict regulations , Bondora guarantees you the return. Our assessment: Never say never.
For more than 3 years now we have been very satisfied with Bondora, but have nevertheless only invested a small percentage of our assets. Bondora Portfolio Pro explains:.
Here you can have a direct influence and enter your risk tolerance, for example. Every loan receives a rating from Bondora. The higher the risk of a loan default, the higher the risk is rewarded by interest.
We do not yet know whether this will always remain so. So far we are happy, but we are sticking with a moderate investment. So the risk that one day Bondora might not exist anymore.
An investment in P2P loans is naturally tied to a term. This costs a small discount, so we have only done this once as a test.
However, we recommend: Only invest money that you will certainly not need in the near future. This also applies to the stock market or other investments.
They will remain there until you transfer them to your private account and in the meantime will earn interest at 6.
P2P sounds exciting to you? It is for us too. Nevertheless, we wanted to hedge our risk a little further and divided our investment between Mintos and Bondora.The closest alternatives to Mintos may be: Mintos Vs. Peerberry; Mintos Vs. Bondora (older, less diversification, similar yields) Honestly, there aren’t many tools like Mintos, and yes, Peerberry is the one that resembles it the most. Six months ago, I invested € each into Mintos Invest & Access and Bondora Go & Grow. I wanted to compare the returns on both P2P lending platforms, the. November 14, Choosing between Mintos and Bondora can be a difficult decision. That’s why we’ve collected the most essential information and data to help you select the right platform between these two. But if you’re busy and just want the answer to the question “ which is better, Mintos or Bondora “, then Mintos is probably the better choice. Bondora: Direct (peer-to-peer) Mintos: Marketplace (peer-to-business) Originator Types; Bondora: Peers Mintos: Loan Originators Investing Into; Bondora: Consumers Mintos: Consumers Average Net Return; Bondora: % Mintos: % Total Loans Funded; Bondora: m EUR Mintos: 6b EUR Investors; Bondora: k. Für welchen Anleger eignet sich welche Plattform? Was gilt es beim Investieren zu beachten? Wieso bevorzugen viele Investoren Mintos? Die Antworten gibt's im. 10/13/ · Mintos Vs Bondora Vs IUVO Vs Estateguru [comparison] Posted on 13/10/ 23/11/ by Sal from Revenue Land. 13 Oct. Today I try to describe the differences between Mintos, Bondora, IUVO and Estateguru. I will try to define which is for me the best peer to peer lending tool among the four, not only Mintos Vs. Bondora. Bondora vs. Mintos – Das Endergebnis. Dieser kleine Wettkampf hat gezeigt, dass Mintos definitiv der Platzhirsch unter den P2P Plattformen ist. Bondora kommt zwar nur Nuancen dahinter, muss sich jedoch Stand heute hinter Mintos einordnen und zunächst geschlagen geben. Dies soll jedoch die Qualität von Bondora in keinster Weise schmälern. 4/10/ · Bondora vs. Mintos. Secure premium and starting credit. What is Bondora and how does a P2P investment work? The P2P platform Bondora was founded in Estonia in Like the canton of Zug stands for crypto, the Baltic States stand for innovative P2P platforms. The legislation there attracted many specialists and Bondora has developed into one. Doch welche Plattform ist die bessere: Bondora oder Mintos? In diesem Beitrag möchte ich die Vor- und Nachteile beider Plattformen beleuchten. Es ist unter Umständen nicht möglich, Vermögenswerte von Go & Grow sofort zu liquidieren oder Geld sofort abzuheben. In diesem Fall werden wir. Mintos, Lettland, 10€, 12,5%, Zu Mintos». Bondora, Bondora logo, Estland, 1€, 9,9%, Zu Bondora». EstateGuru, EstateGuru, Estland, 50€, 11,8. Lars Wrobbel zeigt die 3 großen Besonderheiten, die Mintos mitbringt. Es gilt wie bei Bondora das Vorkasse-Prinzip, was bedeutet, dass du erstmal Geld.