My Mintos Performance Report – 18 Months After

Here we are, 18 months after my first investment on Mintos. Today I want to talk about my Mintos performance after these first 18 months, my current situation and my opinion about this platform.

First of all, if you don’t know what we’re talking about, read my full review of Mintos. On the dedicated page you can find all the information you need to start earning on Mintos.

I made my first deposit on Mintos at the beginning of December 2017. Then I made four more deposits, the last one in October 2018, when I started to try new platforms.


As you probably know, Mintos is the biggest European P2P Lending platform. Recently it reached a total amount of money on the platform of 2.5 billions. Incredible!

First of all, check out the overview of my account:

Account Statement

Here you can all the transacations occured on my Mintos account since its opening.

In addition, this is my account overview after 18 months:

Mintos Overview

I have a balance of more than 950 EUR. Remember that I deposited a total of 800 EUR, for a total profit of 151.28 EUR (+18,91%). If we keep in consideration only the interest income, the profit is 115.34 EUR (+14,42%).

Register on Mintos and start earning up to 12% per year

As you can see in the image above, at the moment I have some late loans. 15 loans out of 99 are 16 days late or more: 15,2% of the portfolio by number, 14,92% of the portfolio by loan value. This is not a little percentage but it’s not problematic at all, also considering that we are protected by the Buyback Guarantee.

Resume of my first 18 months on Mintos:

  • Monthly Average Profit (Interest + Referrals Income): +1,05%
  • Monthly Average Profit (Interest): +0,80%
  • Annualized Profit (Interest + Referrals Income): +12,60%
  • Annualized Profit (Interest): +9,6%

These results differ a little from the NAR provided by the platform. If you want to examine my exact monthly performance, check out the page dedicated to Mintos.

Current strategy

I also want to share with you the current strategy of my Mintos account, just to be completely transparent with you.

To start, these are the current stats of my investment portfolio:

Current Investments

You can see the weighted average interest rate, the weighted average remaining term and and composition of my portfolio considering the loan type. These data are the result of the combination of my two Auto-Invest strategies. I have a short-term strategy and a long term one, as you can see in the image below.

AutoInvest Strategies

Note that they have the same minimum interest rate (11%). I invest only in loans with a rating of B or higher.

Register on Mintos and start earning up to 12% per year

This is my strategy, and for sure it’s not the best strategy. Set up the Auto-Invest function according to your financial goals and risk tolerance.

Finally, I’m trying the new Mintos function: Mintos Invest&Access. I’ve already talked about it in the previous article. Read it if you don’t know what this instrument is.

This is my current situation on the Invest&Access instrument:


Obviosuly it’s too early to judge this new function, but I have the intention to share with you how things will go in future.


In conclusion, these are my Mintos performance after 18 months from my first investment on it. As you probably have understood, I’m completely satisfied about Mintos for the moment. I have nothing negative to report.

Its performance are pretty good and very stable, and this is all I’m looking for in a P2P Lending platform.

Register on Mintos and start earning up to 12% per year

Are you already using Mintos? If yes, are you happy with it? Let me know in the comments!

Do not forget that I opened a Facebook page for FinanceShot. You can find it here. Like it if you don’t want to miss anything or interact with me. It’ll be a pleasure for me!

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I also opened an official Telegram group for FinanceShot dedicated to my italian reader. You can find it here. We’ll have the opportunity to discuss about all the topics covered by FinanceShot.


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