Es ist unter Umständen nicht möglich, Vermögenswerte von Go & Grow sofort zu liquidieren oder Geld sofort abzuheben. In diesem Fall werden wir. Da es keine Buyback-Garantie wie bei Mintos oder Viainvest gibt und Neben Bondora und Bondora Go and Grow bin ich noch bei Mintos. Wer Go & Grow von Bondora kennt, dem wird das Konzept des neuen Mintos-Produkts bekannt vorkommen. Weiter unten gehe ich auch auf die Unterschiede. <
P2P-Kredite Vergleich: Peer-to-Peer Plattformen im TestIch selbst investiere mit großem Erfolg bei Mintos und werde dies auch zukünftig tun. 19 Gedanken zu „p2p Kredite Vergleich – Mintos, Twino, Bondora, Viventor &. Mintos Invest & Access oder Bondora Go & Grow). Bei diesen Portfolios übernimmt der Plattform Betreiber das. Wer Go & Grow von Bondora kennt, dem wird das Konzept des neuen Mintos-Produkts bekannt vorkommen. Weiter unten gehe ich auch auf die Unterschiede.
Bondora Vs Mintos 4 Kommentare VideoMintos Invest \u0026 Access vs. Bondora Go \u0026 Grow after 6 Months - 1.000€ Experiment 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.
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. 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. Beide Plattformen werden höchsten Ansprüchen gerecht und können jedem Privatanleger wärmsten ans Herz gelegt werden.
Anzahl Bewertungen: 4. Bisher keine Bewertungen! Sei der Erste, der diesen Beitrag bewertet. Bondora und Auxmoney. Der Finanzmarkt ist seit jeher ein sehr lebendiger und wandlungsfähiger Schauplatz.
Immer rücken neue Anlageinstrumente…. P2P Kredite biete Investoren eine stattliche jährliche Rendite, die sogar bis in den zweistelligen Bereich…. Bondora hat schon ewig einen Zweitmarkt.
Vermutlich hast Du ihn bei Dir einfach nicht freigeschaltet, weil Du nicht weisst wie das geht? Testest Du die Plattformen eigentlich selbst bevor Du Artikel schreibst???
Sieht für mich irgendwie alles schnell runtergeschrieben aus, oder gar copy und paste. Du musst angemeldet sein, um einen Kommentar abzugeben.
Zum Inhalt springen. Über Letzte Artikel. They behave badly towards investors and fail to inform them about re-rating of loan originators.
Thanks for this great post. You have done a great job analyzing Mintos. Can I ask. What does it matter if short-term loans need to be reinvested all the time?
It was quite a while ago I set the strategy, so it might have changed since then. However, when I invested in short-term loans I often had more cash drag since they had to be reinvested frequently.
It solved the problem to exclude them. I could consider setting up different strategies in prioritized order going from 1 high rate, long term, 2 high rate, medium term, 3 high rate, short term, 4 slightly lower rate, long term, etc.
Hahaha, you got me there! Hi Carl, I have a pretty low technical question — how do you transfer money to Mintos? The only way seems is a money transfer and that costs dkk in my stupid nordea bank thinking about changing that which eats into the profit a bit.
Do you have any tips how to do it more efficiently? Yes, I know it is a bit irritating with the bank fees.
People talk about some interesting strategies but wanted to hear some outside opinions too. Hi Carl. For me, it does not really change that much.
Actually, I would never start mixing things: do my weekly shopping and paying with a Mintos Card, paying all the small things to pay during the daily life on a Mintos Card, or even receiving money from completely other things in a Mintos Account… No , I would definitively not do that.
I have the Mintos setup completely different, I can do super easily and detailed follow-up about how everything is going, and by the way, everything is going very well.
Why would I like to mix everything? To summarize, honestly for me there are no real benefits in all this. What about you? How do you see it? Yes, I agree they are trying to expand into new business areas.
Yes, my buyback guarantee has been activated several times — it happens automatically. 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.
Is this to increase the total amount that can be invested for each loan originator, or what is the reason?
Also, will the diversification work across strategies, or could you risk that large sums are invested through the same originator?
Hope my questions make sense. The portfolio size on your autoinvest strategy is the maximum amount that will be invested and re-invested in that particular strategy over time.
Some people use it to limit how much they want to invest in loans with certain criteria. You are right that it can influence the diversification across loan originators.
If I set my portfolio size to This is acceptable to me given my total investment is a lot higher. If your total investment is low and you only invest in few loan originators, you should maybe not set the portfolio size as high as everything might be invested in one loan originator.
Regarding your second question, diversification settings do not work across autoinvest strategies as I understand it. Your post and your results are really encouraging.
I think I might take a look at Mintos for myself. Can UK bank accounts be used or just EU accounts? Brexit looming on the horizon. Thanks, Winnie!
Thanks for replying. 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.
Good question. If cryptocurrencies are 1 in safe, stocks are 4, bonds are 8, then I would say a Like this, if you want to recover the invested money, you disable the autoinvest option, and in months you should be able to transfer the money you invested plus the interest.
This to avoid exposure for long periods and be able to go out ig global economic situation starts to be less favourable…. I think that is a good idea, Filipe.
You should never invest for a longer period than you are willing to take on the risk for. When that is said, I think you should never invest anything if you are not willing to lose it all.
And I think months will be too long time if a global economic crisis hits us. In general, I would consider less risky assets if you are dependent on the money or if it will hurt your net worth a lot of you lost all of it.
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! Do you use it? Just started to look into it.
Or, am I missing something? Yes, there are quite a few people who capture great loans with high interest and sell them at a premium on the secondary market.
You are exactly right. Low liquidity is definitely a downside of Mintos and other platforms. I have added it to the article now. I have negative capital income due to interest on our housing loan.
Therefore, I spoke with the Danish tax authorities a couple of years ago and they gave me that number as an approximation of what my effective tax rate is on capital gains from peer-to-peer lending.
But 7. I know the feeling. What I have googled so far, the yield seems to be reduced by half, many see at the beginning, i. Hoi Reto, here again what was already mentioned below: Interest is subject to income tax.
The amount of wealth tax depends on your place of residence and is somewhere between 1. Of course, failures are part of it, but the number is not written large in Bondora or Mintos.
Rather, you primarily see your account balance, including growth through income. However, it is not calculated how much you would theoretically have in your account if there had been no losses.
Taxes can sometimes be postponed or optimized, a tax consultant can give you better information here if necessary.
Personally, I am almost happy about higher taxes, because this means that I earn more myself and can therefore give more back to society.
Many greetings! Exciting article - thanks for that. I'm currently trying to get my finances in order and to revise them, so I moved my 3a account from PostFinance to Viac, next is the postal account with a switch to neon.
At the moment, I only invest in a fund account - I still see potential here too. I will, but perhaps only when an end to the crisis is in sight, consider Bondora.
You can find my way on my brand-new blog planbesser. Viac and Neon have been great choices before. Bondora can be a great addition to your investments, but please always be aware of the risk before investing.
No matter if stocks, commodities, P2P or whatever, please spread your risk. Your blog looks exciting and I wish you success for the project!
Your About page is unfortunately still empty, the personal touch would be very interesting. Save my name, email, and website in this browser for the next time I comment.
Skip to content. Bondora experience report Review after 3 years of P2P investments. What awaits you. What is Bondora and how does a P2P investment work?
Advantages of Bondora. Negative Bondora experience? How Bondora is dealing with the Corona crisis. Portfolio Pro. Bondora vs.
Secure premium and starting credit. Diversification: 1. Bondora spreads your investment across many loans. This reduces your risk.
Bondora is digital and fully automated. This makes it easy for investors and ensures functionality at all times. Established Founded in the financial crisis of and also in Corona times there are no delays or problems so far.
How exactly Bondora is dealing with the crisis you can find out in the video below. No German hotline: Bondora is trying to serve more and more languages and German is at the forefront.
The platform is of course accessible in German, but the customer hotline is not yet. But we have never needed it in 3 years.
At Mintos you can see many details about every single loan. We don't care about that, because we give out a maximum of a few Euros per loan and therefore we are not interested in where the borrower comes from and what he does with the few Euros as long as he pays back.
But the platforms take care of the demand for repayment. There's this quote by Warren Buffett: "You can't see who swam without their bathing suit until the water is out of the pool.
Bondora Estonia. Call money function. All the rest is noise. Mintos is definitely well known on forums. There is a lot of discussion going on on forums since Mintos is one of the most popular P2P ever.
Beware of who is writing before taking any decision about your finances, since anyone can contribute to financial forums.
Specialized forums are usually much more reliable compared to general forums. Mintos is famous on P2P forums also among the most experienced investors who want to bring frequent changes in their portfolios.
I tried, it works. In the Invest and Access there are loans, so nothing changes, this is P2P investing. Yes, money is invested and accessible at the same time.
I have performed some tests on Invest and Access to see if the money was instantly available. Invest and Access test result:.
I setup an invest and access portfolio in addition to my custom strategies. There is NO conflict between portfolios strategies, so I can have both.
Some time later I decided to cash in to see if it worked and if it was really that liquid. Yes, as promised, money was instantly available, but only current loans.
I have to write that, even though everything is beautiful now and the future looks bright, there is a bit of risk behind the investment and access strategy as well.
As I said, this is still P2P loans investing. Occasionally Mintos originators offer some incentives to invite investors to get more of their loans.
I think this is ok, but there is a hidden danger behind it. What if those loans country, duration, type are not fitting my strategy? Will I buy it only because of the bonus?
Doing an investment only because of some bonus or tax relief can be a bad idea. Last year Mintos released a rating tool to help investors to choose the right loan originators.
I cannot say it. Common sense will get me to think that riskier loans should get a lower rating and especially a higher interest paid to investors.
I am not sure if this happens. Here is what I think of the mintos lenders ratings and my best Mintos lenders. It is ok to rely also on Mintos official rating, BUT I believe it is also good not to limit diversification.
More lenders means more countries, more loan types and different duration. When I went to look at what was inside it I decided not to use any of the three and not to mention it on my blog.
The bright side? Lately, Mintos is starting to getting rid of some low performing lenders and this is a very good sign for me.
The first defaulted originator name was Eurocent. There is no bright side. There would be one the day Mintos will be able to make people forget about that little issue.
For the sake of completeness, taking into account the size and the number of loans processed by Mintos to date, the Eurocent impact is getting very marginal.
Three more small lenders had issues lately but even this time the impact was marginal. There are several ways to invest, but Mintos is convoying investors towards this three, especially the first one:.
Moreover, it is easy to setup. I mainly use the auto-invest custom strategy to have complete control over what I buy.
It has been read and printed by thousands of investors and I am proud of it. I also do some manual investing to find out more about loans originators offer and to test the primary and secondary markets functionality.
The thing I value most is transparency in P2P investing.. When a tool is not publicly sharing data with investors there is something wrong.
A lender with many late loans may be ok because of other reasons. Mintos is a profitable and transparent company , but peer to peer investing is safe until something happens.
What are risks in P2P investing and in particular with Mintos? The feeling I get besides the numbers is that they care, they want this company to work, and they look like a good team.
If I want to reduce risks on Mintos I spread my capital on a large number of loans in many countries, instead of focusing somewhere.
Some investors focus only on short term loans to reduce risk. Investing in direct structure may be safer since the claims are against the borrowers, but not many care about this aspect.
Investing in lower APRs loans can be also more sustainable and also ethical. I always filter out the highest APR loans.. Individuals and companies can invest through Mintos.
Investing as a company may also bring some tax relief. In any case, Mintos has to be able to identify the investor.
Asian and middle east investors can also invest with Mintos in most cases sending money through a Payoneer or Transferwise.
I am curious to see if it will really add value to investors or will just be a wrapped copy of the website. This is huge. So instead of having money idling on a savings account, it can be invested and available almost instantly.
I am enthusiast about this news, but I normally avoid mix savings account and investing accounts for now. My biggest fail with Mintos was waiting too long to give it trust and start investing.
I was scared to death of transferring money on an unknown foreign bank account. It equals to a How old are you?
Is it a realistic expectation? Yes and no. It is also very difficult to think that nothing will change in the interest rate paid in the next 40 years.
Inflation was not taken into account, but it should, in order to get a more exact outcome. Here is the right page for people ready to register where I explain the difference between Promo code and Referral link.Der Mindestinvestitionsbetrag ist abhängig von der jeweiligen Plattform. Ich vermute, dass sich an der Website aufgrund des Unternehmensalters noch hin und wieder was tun wird. Je geringer der Beleihungssatz ist, desto sicherer ist der Kredit, aber desto geringer ist King Of Luck die Rendite.