Why I Invest in Mintos: My Portfolio After 5 Years (Deep Dive 1/5)

This week I'm taking a proper deep look at a single platform: Mintos. It's going to be a deep dive in five parts – just like I did with Debitum two months ago, and Mintos is the one you asked for. Over the next few days we'll go through safety, regulation, pros and cons and more in detail. Today, in part one, it's about the fundamental question: Why do I invest in P2P loans at all – and why Mintos in particular? To answer it, I'll show you my complete Mintos dashboard, fully transparently.

As always, the most important note first: this is not investment advice and not a buy recommendation. I only show my personal investments and my personal opinion. I'm responsible for my money, you for yours – and with P2P and loan investments the risks are considerable: loans can default, platforms can go bankrupt, a total loss of the invested capital is possible. Do your own thorough research and always make your own decision.

Why I invest in P2P loans at all

If you look at my overall portfolio, the reason quickly becomes clear: I'm a cash-flow investor. I like it when my money continuously produces something. That's why three building blocks are central to my strategy, all of which pay out regularly:

• Real estate that generates rent
• Individual and dividend stocks – by far the largest part of my portfolio – that pay dividends
• P2P loans, through which I earn on every instalment and keep receiving interest

Exactly this passive income is my first reason to invest in P2P at all. The second: P2P loans are largely decoupled from the stock market. I don't condemn the stock market at all – the bulk of my wealth is in stocks itself. But there are crisis periods when the whole market drops. With a P2P loan, by contrast, I have a contract for a fixed sum plus interest; there are no classic price swings here. There are other risks instead – loans can default, platforms can go bust. But as a diversification building block that doesn't twitch in sync with the stock market, I find that extremely valuable.

Why Mintos – and what the platform can do today

I started with Mintos exactly five years ago, back then one of the few platforms in the space alongside Bondora. I first invested a few hundred to a thousand euros, later withdrew the money because I needed it, and for about the last one and a half to two years I've been steadily building it up again.

The really interesting part: Mintos today is far more than a pure P2P platform. Alongside the loans that made Mintos big, there's now a whole range of asset classes in a single account:

Asset class	What's special
Loans	daily interest from day one
Bonds	fixed coupon payments
Real estate	rental income and capital growth
ETFs	over 1,000 ETFs, no order fee
Crypto ETPs	from €5, no wallet of your own
Smart Cash	currently 2.25% on your balance

According to Mintos, stocks are set to be added in the future. One important clarification: the "crypto" products are crypto ETPs, i.e. exchange-traded securities – not actual coins in your own wallet.

With over 700,000 registered users and more than €800 million in assets under management, Mintos is one of the largest platforms of its kind in Europe. It's a perfect fit for me because I can focus specifically on the building blocks that produce passive income: loans, bonds and real estate.

My Mintos portfolio: €13,237.93 across five positions

I'm now invested with €13,237.93 on Mintos – but not just in loans. Here's how the money is currently distributed:

• Loans: ≈ €9,995 (75.5%) – my largest building block; my self-imposed cap here is €10,000
• Bonds: ≈ €2,092 (15.8%) – via the High-Yield Bonds portfolio
• Real estate: ≈ €1,019 (7.7%) – four rental apartments
• Mintos shares: ≈ €106 (0.8%) – from the crowd participation you could buy at one point
• ETFs: ≈ €26 (0.2%) – a new feature I tried out as a test

Loans are my maximum limit – the rest of new deposits now deliberately goes into bonds and real estate. Let's look at the three serious positions one by one.

Position 1 – Loans: 9.29% interest, broadly diversified

On the loans my weighted average interest rate is 9.29%. What I especially like here is the diversification: I'm invested in 634 note packages, and each package contains 6 to 20 individual loans. Roughly extrapolated, my money in loans alone is spread across more than 6,000 individual loans – across consumer, car, business and personal loans.

This broad diversification is exactly the point: if a single loan defaults, it barely hurts, because it makes up only a tiny fraction of the whole.

Position 2 – Bonds: 8.74% via the High-Yield Bonds portfolio

My second position is bonds, which I invest in via the High-Yield Bonds portfolio – an automated portfolio that diversifies the bonds on its own. The portfolio value is €2,097.36 (I invested €2,133.08), with an average return of 8.74%.

The nice thing: a payment comes out of the bond portfolio every few days – on 9 Sept, 11 Sept, 14 Sept, 17 Sept and so on. I reinvest the interest month after month, mainly here into the bonds.

Position 3 – Real estate: four apartments, monthly rent

As a third serious position I hold real estate on Mintos: currently €1,018.70 in four rental apartments. The expected annual return per property is between 7.03% and 9.5%, averaging 8.72%.

Once a month I receive the rent payments proportionally to my share – again a passive income type that runs independently of the others.

Something comes in every day

Because I'm so broadly diversified across thousands of loans, bonds and properties, I receive interest practically every day – no matter the weekday, weekends included. As an example, here's my account statement for a single day:

On this one day it was €2.16 in pure interest (before withholding tax), and including repayments a total of €65.38 flowed back into my account. It's exactly this daily trickle that makes passive income so appealing.

My return on Mintos: a staircase upward

Over the years Mintos has earned me a total of €1,046.58 in returns. The trajectory is nice to see: four or five years ago it was a few cents, in July 2022 the first €3.99 per month – and for about the last one and a half years it's genuinely been a staircase upward.

The record month so far was November 2025 with €89.68, and lately the months have been stable around €84 (July 2026: €84.60). A new record falling soon is really just a matter of time – after all, I reinvest the interest every month.

Regulated by the Latvian central bank

What makes Mintos additionally interesting for me is the regulation: Mintos is licensed as an investment firm under MiFID II and supervised by the Latvian central bank (Latvijas Banka) – and has been since 2021. On top of that there's an investor compensation scheme up to €20,000, in case funds are misappropriated, for example. I hope that case never occurs, but the buffer is there.

Important context: this protection applies to insolvency or misappropriation – not to loan defaults or price losses. The actual investment risk stays with you. I've now been on board myself for five years and have been through quite a bit; there were problems again and again – that's part of it. What matters is how a platform handles them, and there Mintos has, in my view, repeatedly done a good job and recovered. I'll take a closer look at exactly how safety and regulation stand in one of the next deep-dive parts.

How much P2P can my portfolio handle?

As much as I like P2P, I have to be honest too: right now around 22% of my total net worth sits in P2P loans. For such a risky asset class that's personally already quite high. My goal is therefore to bring the share back down to about 10% over the medium term.

And I'll do that not by selling here or withdrawing capital, but by putting more into stocks, real estate and the like in the future than into P2P. The P2P sum can happily stay put and grow slowly – just not faster than the rest. The handy part: that works on Mintos too, because there I can equally invest in real estate, bonds and ETFs. For more on how my 22% is spread across all platforms, see my latest P2P portfolio update.

Just a good moment: up to €500 bonus

If you want to try Mintos yourself, right now really is a good moment: through my link with the code INVEST26 there's currently a tiered welcome bonus of up to €500 – otherwise it's a maximum of €350. The bonus depends on your cumulative investment amount:

Cumulative investment	Bonus
from €1,500	€20
from €2,500	€35
from €5,000	€75
from €10,000	€175
from €25,000	€500

The deadlines matter: registration and investment by 30 Sept 2026, then keep the capital invested until 31 Dec 2026, with the credit arriving on 15 Jan 2027. After the promotion ends, the regular bonus of up to €350 applies again with the code GO-LENNARD. I've summarized all the details, conditions and eligible products in a dedicated article: Mintos INVEST26 in detail.

For transparency: this is a referral link. If you sign up through it, I receive a small commission – it doesn't cost you more; on the contrary, you secure a bonus you wouldn't otherwise get, and you support my channel.

Conclusion: why Mintos fits for me

For me, Mintos as a building block simply makes sense: it's a multi-asset platform for passive income where I can bundle loans, bonds and real estate in one regulated account. The income trickles in practically every day, the return has become a staircase upward over the years, and the whole thing runs largely decoupled from the stock market. That's exactly my approach as a cash-flow investor.

But to be fair: not everything is always rosy, and there are real risks – loans can default, platforms can go bust. Those are exactly what we'll examine in detail in the next parts of the deep dive: safety, regulation, pros and cons and more.

Now I'm curious about your opinion: are you invested with Mintos yourself, and what experiences have you had? Write it in the comments – I genuinely read and answer everything. By the way, you'll find all current P2P promotions bundled in my P2P bonus overview.