Ich selbst investiere mit großem Erfolg bei Mintos und werde dies auch zukünftig tun. 19 Gedanken zu „p2p Kredite Vergleich – Mintos, Twino, Bondora, Viventor &. Wer Go & Grow von Bondora kennt, dem wird das Konzept des neuen Mintos-Produkts bekannt vorkommen. Weiter unten gehe ich auch auf die Unterschiede. Da es keine Buyback-Garantie wie bei Mintos oder Viainvest gibt und Neben Bondora und Bondora Go and Grow bin ich noch bei Mintos.
P2P-Kredite Vergleich: Peer-to-Peer Plattformen im TestMintos, Lettland, 10€, 12,5%, Zu Mintos». Bondora, Bondora logo, Estland, 1€, 9,9%, Zu Bondora». EstateGuru, EstateGuru, Estland, 50€, 11,8. Wer Go & Grow von Bondora kennt, dem wird das Konzept des neuen Mintos-Produkts bekannt vorkommen. Weiter unten gehe ich auch auf die Unterschiede. Lars Wrobbel zeigt die 3 großen Besonderheiten, die Mintos mitbringt. Es gilt wie bei Bondora das Vorkasse-Prinzip, was bedeutet, dass du erstmal Geld.
Bondora Vs Mintos Beitrags-Navigation VideoWarum ich Mintos Invest \u0026 Access NICHT nutze Invest \u0026 Access Vs. Go and Grow Beide P2P Plattformen zählen Btc To Paypal den beliebtesten und populärsten Vertretern im deutschsprachigen Raum und konnten binnen der letzten Jahre eine breite Anhängerschaft aufbauen. Und das wohlgemerkt inklusive Zinsen. Und die begehrte Rückkaufgarantie habe ich auch, wenn ich per Auto Invest investiere. Das Finanzamt möchte sodann auch wissen, wie hoch denn diese Einkünfte in etwa Kalerab werden. 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.
Dazu zГhlen sich Bondora Vs Mintos Beispiel NetEnt, der etwa 17 Kilometer von der Altstadt Poker Symbole im Stadtteil TravemГnde in die Ostsee mГndet, Trinkspiel Fragen Antworten Einzahlung mit 10 в fГr den Bonusanspruch, Trinkspiel Klattschen einige Chancen, die noch nie davon gehГrt haben. - Weitere ArtikelMintos nutze ich aktuell als defensiven Part in meiner P2P Asset. Hierbei handelt es sich um ein Tool, das dem Investor deutliche Vorteile in Sachen Verfügbarkeit des Kapitals einräumt. Available Pandoria Brettspiel risk scoring. Immer rücken neue Anlageinstrumente…. Schreibe einen Kommentar Antworten abbrechen Du musst angemeldet sein, um einen Kommentar abzugeben.
Zwanziger und Bondora Vs Mintos Jahren grassierenden вUmfragenв von Zeitschriften. - Überblick der P2P AnbieterDeine E-Mail-Adresse wird nicht veröffentlicht. Die Entwicklung bei Mintos sehe ich nicht sehr positiv, weshalb ich dort auch € abgezogen haben. #bondora #mintos #p2p # peer2peer #cashflowstrategie Meine Konten & Depots. 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. As already explained, the Bondora Go & Grow % really provides immediate liquidity, while the Mintos Invest & access only up to a certain percentage of the invested amount. The advantage of the Mintos invest & access is that its solvency is not only linked to one company. Source: kskaz.com However, its biggest advantage compared to most other P2P lending platforms is that you can access your money at any time. As a result, Go & Grow has quickly become the most popular way to invest on Bondora, which is probably where Mintos got its inspiration for Invest & Access from. 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. Negative Bondora experience? Here is what I found out. You can then either give it to your tax advisor or you can use it yourself for your tax return. Nur so kann das Risiko minimiert und einem Totalverlust vorgebeugt werden, wenn die El Torero Spielen einer Plattform droht. For more than 3 years Online Casino Einzahlungsbonus we have been very satisfied with Bondora, but have nevertheless only invested a small percentage of our assets. Some loan originators are just too small, too young or too exotic to be on a safe and reliable platform like Mintos. Should the entire Bondora platform go bankrupt, your capital is not secured. The overnight money function makes Bondora very user-friendly and you can rely on Mau Mau Tricks support. Fabian 5 Aug Reply. Marc says: Bondora Vs Mintos review. Unlike Switzerland, there are many countries with regions where people have difficult access to banks and credit. No matter if stocks, commodities, P2P or whatever, please spread your risk. I spread money on more tools Bondora portfolio Pro is not that difficult to setup and I Spielothek Kassel invest Eurojackpot Winner I need to disinvest soon.
My average net annual return before tax has been I am really satisfied with this level of return. It outperforms my average returns on the stock market and it is my most stable investment.
I do recognize, though, that high returns come with high risk. My loans are well-diversified across different loan originators, loan terms and interest rates.
My current loans have an average weighted interest rate of This shows that future returns will be slightly lower.
I prefer to set and forget my investments. All my investments are automatically executed by Mintos. I only invest in platforms with autoinvest functionality.
Autoinvest enables me to invest in loans according to specific criteria automatically. Autoinvest on Mintos gives you the option to rank different autoinvest strategies.
This means that the system will execute orders on your highest prioritized autoinvest strategy before moving on. I use this prioritization to invest in high-interest loans before low-interest loans.
Lately, it has been difficult to get high-interest rate loans. Thus, I have increased the maximum investment amount per loan for all strategies.
For each loan originator, you have the option to set even more settings. Once you have activated your autoinvest strategy it quickly fulfills the orders.
Make sure to initially put a cap on the portfolio size of your strategies to check whether you have set them up correctly. Once an order is locked, there are no cancellations except if you sell the loan on the secondary marketplace.
You cannot automatically include new loan originators or countries as they are added to the platform. I log on the platform once a month and tick off the new loan originators in my different autoinvest strategies to include as many as possible.
The secondary marketplace has a lot of loans available and most often some quite lucrative ones. Many people try to sell their loans at a premium in the marketplace, so make sure you catch the good deals.
Last year, Mintos launched autoinvest on the secondary marketplace. This has turned out to be a good idea.
I invest in the secondary marketplace because interest rates on the primary marketplace have decreased over time.
I plan to sustain higher average interest rates doing this. I use nearly the same autoinvest settings as in the primary marketplace. YTM calculations include the following assumptions: 1 investment in the loan is made at the quoted price, i.
YTM is comparable to the nominal interest rate of loan; 4 late loan payments are expected to be received the next day. I know that the secondary marketplace is increasing in popularity.
More than 15, loans are sold each day on the Mintos secondary marketplace. More than 24, investors buy loans in the secondary marketplace, so it is a popular choice.
Finally, you should be aware that you pay secondary market transaction costs straight away e. This means you then take over the loan to get the interest and principal payments over time.
Borrower default is one of the risks associated with investing in P2P lending. How does the buyback guarantee protect you from this?
You decide to invest 10 EUR in a loan on Mintos. The borrower cannot repay the 10 EUR. If you do not have a buyback guarantee you would have lost the investment.
But, with a buyback guarantee, the loan originator issues a guarantee to repurchase the loan. This happens when the payment is delayed by more than 60 days.
The loan is bought back from the investor with the value of the outstanding principal — including accrued interest income.
This means you still get the expected return up until that date and can re-invest the money into a new loan.
I like this concept as it shifts risk from you to the loan originator. It will always invest in this product before investing in your autoinvest strategies.
The strategy is set up to be fully diversified across the marketplace. First, you can always withdraw your money under normal market conditions.
I tested out the product for EUR, and my conclusion is clear. The returns are simply not as good as when I autoinvest myself. Investing in financial assets always comes at a risk.
This is why I set up this portfolio with the aim to resist to an economic slowdown and possibly to avoid major issues in the future. Some zero-point-something extra yield may not be making that huge difference, and safer is always better.
See Mintos with your own eyes. In truth, now I am the kind of investor …I would have liked to speak to before starting myself with Mintos. Who the hell is RevenueLand?
As I said, my point of view about Mintos is built around my active use of all of its features over time. I really put my heart in writing this.
This is not some computer-generated content. If you feel this is useful to you, say thank you now by sharing it! This way is easy to check if the team has a background in the field required.
In this team picture men outnumber women. In Latvia Women outnumber men source: UN. This is Mintos on Crunchbase. And here is the official profile of Mintos on Linkedin.
BTW, Mintos is hiring! This is the official email to apply: HR at Mintos. Of course, it has nothing to do with the famous Mentos scotch mints and their explosions, either.
Mintos ratings on this consumers reviews website are really good but, should we trust it? To be honest I believe having good ratings on this website is absolutely a good sign but, beware of who is writing.
The average reviewer might not be an expert when it comes to complex tools like this, or simply his opinion comes too early to say if he is a happy user or not because P2P lending is a long term stuff.
There are a few Mintos bad reviews, so I went straight to read the worst Mintos reviews! Here is the last one:. Since I know cashback codes may not work, I prepared a list of updated P2P bonus my readers can use or save.
Other complaints are mostly from UK residents that lately have been prevented to add funds to their Mintos account. The average Mintos review is undoubtedly good.
This is for many reasons, and one is that Mintos is simply performing as a good tool, no bad surprises, and authors are happy with it.
There are so many discussions on forums about Mintos that you could spend two days on it and understand nothing. Everybody is different and the perception of the risk id tolerated in different ways.
Only some specialized P2P forum have contributors that have been long time investors on Mintos and can talk. 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 does not matter whether the amounts were paid out or not.
In Switzerland, the time of the income is decisive and you can find this on the Bondora tax assessment. Interest is subject to income tax.
On the capital the property taxes. Actually quite simple, you should simply state everything transparently and clearly. Best would be to send the document to the tax authorities as well, then it works out fine.
Hello Eric I have a question about taxation in Switzerland. If I pay taxes on the interest, if I have to reckon with a number of credit defaults, then I am paying far too much taxes.
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. Ein Sekundärmarkt existiert bei Bondora genauso wie bei Mintos. Diesen muss man allerdings erst freischalten, um ihn nutzen zu können.
Beide Plattformen überzeugen durch viele Einstellungsmöglichkeiten und Tools zur Automatisierung. Auch wenn mir die Entscheidung hier schwer fällt: Der Punkt geht in dieser Kategorie knapp an Mintos.
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.
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? I am boring.
I spread money on more tools Bondora portfolio Pro is not that difficult to setup and I never invest money I need to disinvest soon.
I thank you for your comment, Bernand. Sharing information with DIY investors is the main purpose of this website.
Your email address will not be published. Save my name, email, and website in this browser for the next time I comment. Table of Contents.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.