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Status of my p2p investments – no signs of crisis yet

After a long break and a corona epidemic that has lasted for months, it is time again to give a current update about my p2p investments. The corana crisis and the associated economic consequences cast an interesting light on the p2p platforms and how this asset class develops in a crisis. Will there be a total failure, as some have been predicting for years, or does a p2p investor get through these stormy times well?

In this article I only look at the platforms on which I am invested. It therefore does not cover the entire p2p landscape, but it should contain the most important players.

Mintos * is still doing well for me. Like actually since I got on board in 2015. I took advantage of the corona crisis in the spring and bought many loans on the secondary market at significant discounts. Here some investors were quite panicked and tried to sell their loans as quickly as possible. This enabled me to increase my return to just over 11%. I have adjusted the autoinvest so that I only invest in loans with a ranking of at least B. I’ve also shifted my focus to fairly short-term loans.

Lately there have also been some critical voices regarding Mintos, as there is, among other things, an overlap between the owners of Mintos and companies that are active on Mintos. Mintos could definitely create more transparency here. Otherwise I am very satisfied and can only recommend the platform. Although it must also be said that the success of p2p loans also depends on the economic environment. Much will therefore depend on how long the pandemic will last and what drastic measures governments will take in the future. So far, Mintos has come through the crisis well.

Loud Announcement from the beginning of October Mintos will be making a major change to how loan originators risk assessments. The classic rating with letters is replaced by the Mintos Risk Score, which indicates the risk in numbers from 1 to 10. A rating of 10 indicates a low risk and a 1 indicates a high risk. This score is made up of four assessments: performance of the loan portfolio, efficiency of the credit service provider, repurchase strength and cooperation structure. The investor can thus use these ratings to make a decision as to which loan provider to invest in. How this evaluation works in practice and whether it really offers added value to the old system will only show with time. I definitely think this step is good, as it shows that Mintos is striving for more transparency with regard to the loan originators.

You can find all my articles about Mintos via this link.

I am currently invested in four properties on reinvest24 *, three of which generate regular income. Investors also receive regular information on how their properties are doing and what the status of a possible resale or rental is.

In the past, the availability of investment properties was a problem at reinvest24. This problem has now apparently been resolved. There are currently four properties online that can be invested in. I hope that in the future there will be more choice in terms of the cities in which one can invest. Nonetheless, I plan to expand my investment, as good returns can be achieved here in the medium term and the demand for real estate is surprisingly stable.

You can find an overview of my articles on reinvest24 on this page.

Investing with Bondora * is also going well for me and without any effort. The dashboard shows a net return of 18.62% which is more than good. In contrast to other platforms, there have been no negative reports about Bondora so far. So far I have not noticed any negative points. That’s why I can’t report much that is new about Bondora. The investment is boring in a positive sense.

Another real estate platform in my portfolio is Exporo *. Since the projects on this platform are all running longer, I have not yet received any payment. I expect the first payout in March 2021. I’m quite excited about Exporo. The platform makes a tidy and clear impression and you receive regular information on the status of the investment and the construction progress. Exporo is also the first German platform where I have a good feeling and where I plan to invest in the long term.

You can find a detailed introduction to Exporo here.

At Bergfürst I am still only invested in one project with a small amount and will not expand my investment for the time being. Some bloggers have had very good experiences with Bergfürst, but I’m still a bit skeptical here and will wait and see.

Overall, I am very satisfied with my p2p investments. Of course, I will only continue to invest so much money in this form of investment that I could cope with a total loss. Since things have gone very well in recent years and especially before the corona crisis, I have already observed a certain carelessness among some investors. But you should never forget that this type of investment is associated with great risks. It also offers the chance of slightly higher returns.


* When opening an investor account via this link, I receive a small commission. This helps to run this blog. There are no disadvantages or costs for you.

Important note according to § 34b WpHG – disclaimer
Please note that this information does not constitute investment advice and reflects my personal opinion. All contributions are for informational purposes only. I do not accept any liability for investment decisions made on the basis of this information. They expressly do not constitute a recommendation or an invitation to buy. Some of the investments and other products presented and discussed here are in my private depots or on the watch list. I do not provide legal investment advice and cannot replace it. This applies to all communication channels. I expressly point out that investments are always associated with risks that can lead to total loss. I cannot accept liability for your investment decisions.

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