Mintos Strategy – how to create your strategy

In order to create your own strategy on how to invest in loans on Mintos, you basically have to answer only two questions:

  • What is your investment horizon?
  • What is your risk appetite?

From your answers, the rest will follow. Let’s assume that you can have three choices to answer each of these questions:

  • What is your investment horizon?
    • Short (less than 12 months)
    • Medium (12-24 months)
    • Long (24 months and more)
  • What is your risk appetite?
    • Low – Losing money is not acceptable
    • Medium – I am ok losing some of the money
    • High – I am crazy

In the text below I will assume that rating provided by Mintos for the loan originators is useful and actually correlates with the chance the lender will default. Also, only current EUR loans are being considered, however you can re-apply this to other currency.

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