Tag Archives: investment

You can earn a cashback up to 4% on selected GetBucks loans on Mintos p2p lending marketplace

By News, Peer-to-Peer Lending, , , , ,

Mintos logo

GetBucks is the most recent loan originator to offer cashback for long-term investments on Mintos peer-to-peer lending marketplace! You can now earn a cashback of up to 4% for investing in GetBucks loans with a maturity of one year or more. You can get a cashback of:

  • – 1% for investing in GetBucks loans with a maturity of 12 to 23 months;
  • – 2% for investing in GetBucks loans with a maturity of 24 to 35 months;
  • – 3% for investing in GetBucks loans with a maturity of 36 to 47 months;
  • – 4% for investing in GetBucks loans with a maturity of 48 months or more.

This offer is only for a limited time, you have until April 13, 2018, to participate in the GetBucks cashback campaign. The company offers to invest in loans issued in Poland, Botswana, Kenya, and Zambia.

If you want to receive the cashback on your investments, you need to be enrolled in the campaign before making the investment. Only investments made on the Mintos primary market qualify.

GetBucks was the first loan originator on Mintos to offer investment opportunities in Africa. The company joined Mintos in June 2017, and investors have since funded more than EUR 4.9 million worth of GetBucks loans on Mintos. The average weighted net return for investors has been 10.5%. GetBucks offers personal and short-term loans from Botswana, Kenya, Poland and Zambia in euro (EUR) on the Mintos marketplace.

GetBucks is the leading fintech company in Africa, with a net loan portfolio in excess of EUR 92 million. Since its inception, the company has disbursed more than EUR 380 million in loans. GetBucks is part of the Luxembourg-registered, Frankfurt-listed MyBucks Group, which was awarded the “Best EU Financial Inclusion Company” in the 2017 edition of the European fintech Awards.

Speakers from GetBucks will be joining Mintos on March 22, 2018, for a webinar where the CEO and Corporate Finance Executive of MyBucks will reveal the latest financial data for the MyBucks Group, showcase the immense investment opportunities available in Africa and also reveal the future plans for the company and group. Be sure to stay tuned for upcoming information on the webinar.

FAQ

When will I receive my cashback?

The cashback will be transferred to your Investor’s Account on Mintos within six working days from the day you make the investment.

What will happen if the loan originator will re-buy my long-term investment?

Sometimes loan originators re-buy the loans before their maturity. If this happens, you will get to keep your cashback.

Do I need to enrol each time I make a new investment?

No. To participate in the campaign, you need to enrol only once. All investments made after that will qualify for cashback.

Do investments made prior to enrolling in the campaign, qualify for cashback too?

No. Only new investments made after you have enrolled in the campaign on your Investor’s Account qualify for a cashback.

Why would I want to invest in long-term loans?

Investing long-term has many benefits. The returns offered for these loans generally are higher than returns offered on short-term loans. You get to lock-in these higher return rates for a longer period of time, thus avoiding any cash drag effect. Including longer-term loans in your investment portfolio also means better diversification in terms of loan types and borrower profiles.

 

For other bonuses visit our Cash-back & Bonuses page.

How to earn 10% per year with no risk

By Smart money, , , ,

Recently an investor asked a great question:“Hey, how can I earn 10% or more interest every year with no risk?”

We would love to say earning 10% each year with absolutely no risk is possible, but the truth is that with any investment you should always be aware of the risks involved. This is applicable for all asset classes, with the level of risk being different for each.

But there’s no need to despair, plenty of people consistently earn 10% or more per year because they are aware of the risks involved and manage this risk appropriately in proportion with their targeted gain. This is actually not exclusive to an individual or retail level investor either. Investment banks have been doing this for centuries, even today, if you walked on to a trading floor on Wall Street or Canary Wharf you would see financial traders leveraging themselves with extremely high-risk high-return strategies.

Here are 3 ways you can easily and instantly start managing your risk today:

1. Diversify

It goes without saying that diversification is the golden rule of investing. That being said, many prolific investors are known for saying that concentration within a single asset class is equally as important. This means that you do not necessarily need to have a share of your portfolio in every single asset class that exists, but you could pick a few and become experts in those areas. Even within an asset class itself, there is plenty of room for diversification. For example, different stocks and bonds if you invest in securities or loans with different credit ratings, durations and country of origination in P2P.

Here are the top 7 asset classes worldwide:

  • Cash Equivalents
  • Equities
  • Bonds
  • Real Estate
  • Gold
  • Precious Metals & Commodities
  • Alternative Investments

Did you notice anything about this? P2P isn’t even listed here, mostly because the idea of the individual investor having access to the wider consumer credit market has only been possible for the past 10 years. However, with the rate of year-to-year growth in the past decade it’s more than likely this will gain a top spot in the future.

Anyway, the point we’re trying to make here is that it’s highly likely that either you or someone you know has earned an excellent net return consecutively without having exposure in all 7 of the major asset classes.

As Benjamin Franklin once said:

“An investment in knowledge always pays the best interest.”

So, like Benjamin, get to know a few asset classes extremely well, diversify within those asset classes, monitor your progress and adjust your strategy appropriately.

2. Check your maximum exposure

This is connected to the previous topic. First things first, take a look at your net worth (no, you don’t have to have tens of thousands for this to apply to you) and how much you plan to invest initially as well as on a monthly basis. Then, ask yourself, how much risk are you willing to take and how much do you need the money you plan to invest? If the amount you choose falls nicely within your monthly budget, and you know you don’t need this money each month for your committed expenditure and bills, then you’re already on the right track. If you’re looking for short-term gains (such as day-trading) to pay your bills at the end of the month, you might want to take a step back and review your monthly budget.

Once you’re confident in the amount you will invest, decide on how much exposure you want to have in different asset classes, companies if you’re buying stocks, platforms and credit ratings if you’re investing in P2P, geographical areas if it’s real estate and so on. This will allow you to manage your risk by allocating a specific percentage of your total investment portfolio in different places, so if there’s a macro-economic event then you can be confident that you have taken the steps to minimize the impact this will have on your investments.

The famous U.S. investor and entrepreneur Robert Arnott once said:

“In investing, what is comfortable is rarely profitable”

This is not to say that investing cannot be made simple, instead it emphasizes that you should step outside of your comfort zone to make the most of your returns. Seeing your strategy through to the end and not jumping ship at the first sign of volatility is critical.

3. Cash and Cash Equivalents

Suffice to say, anyone who holds their money in their local bank will not earn 10% per year interest. In fact, you may be lucky to earn 0.01% depending on where you live. While it is important to have access to some cash with a very short maturity and near-instant liquidity, review how much is actually necessary so you avoid eating in to the absolute return (and the knock-on effect on compounding) in the long run. How do you review it? First, take a look at your emergency fund and make an assessment of how realistic the amount is; If you’re holding on to 2 years equivalent of your salary, you should think about whether you will ever need this much money for a rainy day.

Another tip

You should also consider the impact of tax and inflation on your overall net return, as this varies significantly between asset classes, your country of residence, current financial standing and more. If in doubt, always consult a certified tax or financial advisor.

There you have it, manage your risk religiously and you will have a realistic opportunity to consistently earn 10% interest or more per annum.

Source: www.bondora.com

5 ways to teach your kids about investing

By Smart money, , , ,

For many adults, investing is still a confusing pipedream that is rumored to lead to something called financial freedom. For those working outside of banking and finance, it may seem like those who invest are part of an exclusive elite club that have access to deals that are not available to the masses.

While this is of course not true, we recently thought that if adults still think this way then what about kids? By nature, kids are more open-minded and care free to the financial constraints of adult life (and they absolutely should be!). If you can reinforce the importance of investing and financial discipline from an early age, you will give them a valuable life skill which they most likely will not get from school.

Here’s our top 5 ways to teach your kids about investing:

1. Apps that help kids invest

With a variety of innovative apps available in the modern day, thankfully someone has created an app specifically for helping kids to learn to invest. BusyKid is an app that lets your child see the money they have earned from doing chores, manage their allowance and invest in to stocks. Investing can be intimidating for first-timers, but apps like BusyKid help simplify this experience so it becomes second nature to your children.

2. Create an investment account for them

Start making monthly deposits to an index linked fund or a P2P account which you plan to set aside and transfer ownership to them in the future. Over time and once they reach a mature age (Say their mid-teens), you can show this to them with a comparison of the total deposits you have made and how much interest you have earned for them with virtually no effort. Understanding the power of compound interest is the key to becoming an intelligent investor.

3. Compare 0% returns to your own returns

Do you give your kids pocket money every month? If you do, you can tell them how much their pocket money over the past few years could have been worth today if they had invested it. You can compare this with the performance of your own investments or for simplicity, at a rate of 10% per year in monetary terms or something better…

4. Speak their language

What’s the big thing they have wanted for a long time? Talking in terms of something visual or physical is much more receptive to kids than saying your money could have grown by X%. If they have been saving up for that new games console or bicycle and are still short of some money, you can help them understand that they could have been able to pay for it already if this money had been invested in the meantime.

5. Pay themselves first

If they are in their teens, maybe they even have a part time job at this point and you can help reinforce budgeting and paying themselves first for investing. If they have financial discipline from this age, they will carry this with them for the remainder of their lives and most likely be very thankful down the line when they retire 20 years earlier than their peers.

Tell them about the risks

It’s important to mention at this point, you should also inform your kids about the risks of investing and not putting all of their eggs in to one basket.

Source: www.bondora.com

Mintos exceeds half a billion euro in investments and continues to lead in Europe

By News, Peer-to-Peer Lending, , , ,

Mintos logo

Another significant milestone has been met by the Mintos marketplace for loans – in three years since its establishment, it has exceeded the half a billion euro mark in cumulative investments by investors. According to Altfi Data, Mintos currently is the leading player in the peer-to-peer lending market in Continental Europe with 39% of market share.

About EUR 1.5 million is invested in loans through Mintos daily, which is three times more than just a year ago. The average historic net annual return for investors over the past three years has been 11.9%.

Mintos is growing fast, which is reflected in the rapid expansion on both sides of the marketplace. On the investor side, about 3 500 new investors join Mintos each month. As of February 2018, there are 50 000 investors from 65 countries on the Mintos marketplace.

On the supply side of the marketplace, there are 35 loan originators from 21 countries on four continents – Europe, Asia, Africa and South America. This makes Mintos the world’s largest marketplace of its kind.

Martins Sulte, CEO and Co-founder of Mintos says: “We are proud of the results achieved so far and look forward to continued growth. We anticipate the size of our company, the number of loans and loan originators on our marketplace will grow significantly over the next few years, offering our investors even greater opportunities for great returns and diversification within a single marketplace. Our goal is to provide a free movement of capital that works for the benefit of investors and borrowers.”

Mogo cashback campaign extended on Mintos p2p lending marketplace

By News, Peer-to-Peer Lending, , , ,

Mintos logo

Do you want to get a cashback of up to 5%? Mogo has seen how much investors on Mintos have been enjoying its cashback campaign, so the company has extended it by an extra month.

Now, until March 16, 2018, if you invest in Mogo loans with a maturity of four years or more you can get a cashback of up to 5%! You will get an instant cashback of:

– 4% for investing in Mogo loans with a maturity of 48 to 59 months,

– 5% for investing in Mogo loans with a maturity of 60 months or more.

Make sure you enroll in the campaign before you make your investments.

Only investments made on the primary market qualify.

Mogo is one of the top loan originators on the Mintos marketplace. The company joined Mintos in March 2015 and has since funded car loans worth about EUR 100 million through the marketplace. On February 7, 2018, Mogo successfully attracted EUR 10 million via a bond issue.

 

For other bonuses visit our Cash-back & Bonuses page.

The best 8 reasons to become an individual investor

By Smart money, , ,

Nothing complicated, an individual investor is simply a person who makes certain investments on his own, from personal money.
This is unlike the big investors, the institutional investors, which are very large companies and engage in large-scale investments.
This is the reason why an individual investor is often called the “small” investor, even if this is not always appropriate …
Beyond the title, becoming a “small” individual investor today is one of the best decisions you could ever make.
I know, maybe at first glance it seems to be a very complicated, costly and time-consuming thing, but in reality it’s not like that.

Here are 8 reasons why becoming a “small” individual investor is a very great thing:

1. To get profits

Okay, this is probably the no.1 reason for which most people are thinking of becoming individual investors …
However, it is a good idea to know from the start what kind of profits you intend to get.
For example, if you want to get big profits quickly, even at the risk of disappointing, I have to tell you from the beginning that this is not working. At least not from investments. And certainly not on a regular basis.
On the other hand, if you want to make reasonable profits but on long and very long term, then you have a good chance of succeeding. You just have to make a good plan and keep it with consistency and the results will begin to appear.

2. To build a prosperous future for you and your family

Investments really work on long and very long term. That is, that is why their most beautiful results will come exactly when you will most need them: AFTER ending your active life when you get to … a “retirement”.
Then you will enjoy more than ever that in your youth you have made the decision to become an individual investor because your investments will continue to produce positive results that will significantly improve your standard of living.
Plus, you will have the opportunity to teach your children to do the same thing as you, so they will have the chance to continue your legacy successfully.

3. To create passive income streams

Of course, the sources of active income you have now are very important, whether you are an employee or you have a small business.
But they have a major problem: they are strictly based on your work. It is for this reason that you should not rely solely on them for the future, but start building yourself as many sources of passive income as you can.
They have the great advantage that they require very little of your time, energy and attention, and they continue to earn you income in your absence.

4. To get financially independent

Getting financially independent may seem – at first glance – just a beautiful dream …
But it’s not like that.
The passive income sources you build as an investor will develop over time in the long run, so it is very likely that at some point they will bring you enough income to sustain your living standards at a reasonable level.
On the other hand, without these passive income sources, it is certain that you will remain dependent on your work, so you will never get financially independent.

5. Because otherwise nobody cares about you

Okay, if you do not take care of your financial future, who do you think will take care of you later, the government, the state?
The pension system is already bankrupt, and works only because it is supported by the state budget.
Meanwhile active population declines and retirees are getting more and more numerous.
That’s why I think it’s a good idea to create your own investment system, which in the long run can turn into your primary source of passive income.

6. Because it is now easier than ever to do this

There is a preconceived idea that in order to be successful as an investor, it is imperative to have in-depth economic studies, to be a great specialist in this field, and to spend all day studying financial and graphic reports.
This is totally false.
Of course, being a trader in the capital market and in Forex is a full-time job, but there are tens of millions of ordinary people in the world who carry out their normal daily activities and invest PASSIVELY in the long run without much effort .
Also, the idea that to invest you need big amounts is totally wrong. Today there are many financial instruments that are very affordable and where even very small amounts can be invested.

7. Because the sources of information are very numerous

In the Internet age where we are, any investor can quickly find a wealth of information about the subject that interests him.

8. Because everyone does the same

All the responsible people are constantly concerned about their future in the long run.
And, as they know that the aid coming from the respective states (in the form of pensions) is rather limited, they are concerned about active life in contributing to private pension plans and build their own investment portfolios.
Because they know, for generations, that only in this way they will have the chance to build for themselves and their children a good future without stress, worry or need.

5 criteria to identify the best investment for you

By Smart money, , ,

We are all interested in identifying a good investment, that’s for sure.
But some of us are not content with just that.
There are enough people who are looking for the absolute superlative and want to find out what is the “best” investment.
So, as far as investments are concerned, the notion of “best investment” – in general terms – simply does not exist!
Because in this area everything is relative and depends very much on the preferences and peculiarities of each of us.

In other words, it’s like going to a restaurant and asking the waiter to recommend you their best meal …
Obviously, he does not know your tastes and preferences, so he would not know if you like meals based on meat (and what kind meat) or vegetarian, if you want something more consistent or a salad would be enough. In the end, the decision is largely subjective because it depends only on your particularities.
Exactly the same is true of investment.

No one can tell you from the start what is “the best investment” for the simple reason that it depends exclusively on YOU.
However, there are some criteria that you can determine if a particular investment is or is not right for you.

Here are 5 criteria according to which you can determine which is the best investment for YOU:

1. The degree of risk of the investment

The first thing we think about a certain investment is its degree of risk.
Therefore, in order to know what kind of investment we are going to (and of what kind of investment to keep away) it is very useful to know our own risk profile.
For example, if we reject the idea of risk from the start, it is best to focus on the guaranteed investments, such as bank deposits and government securities. But if we are willing to accept a certain risk, but a small one, we have low-risk investment funds.
On the other hand, if we can accept capital markets fluctuations in hopes of achieving greater long-term profits, we can opt for investment in stock exchanges or different kinds of commodities.

2. The investment profit level

We must always keep in mind the reasonable profit level that a certain type of investment can realistically bring, in order to match the degree of risk of that investment.
Only in this way can we determine the risk / reward ratio for a particular investment and thus compare different types of investments.

3. Duration of the investment

It is very important to establish from the beginning what is the minimum time interval that we are willing to stay with that amount in a certain investment.
In this way we can match the duration of an investment with its degree of risk, so we will not to get into the situation where we have to withdraw that money at a time that is less favorable.
For example, for a short or medium term, usually the most useful financial instruments are those that are guaranteed or low risk. Because the particularities of capital markets or real estate are acceptable only if we are considering a long or very long term.

4. The amount invested

However attractive it may be at one time to invest in building a block of flats or a mall, this would probably exceed our financial availability.
So finding an investment that fits both in size and flexibility with our budget is more important than just considering the profit it can bring us.

5. Location of the investment

There may be enough types of investments that seem interesting to us, at least at first glance, but some may not be accessible to everyone.
For example, if we were interested – let’s say – investing in government securities issued by India (with an annual yield of nearly 7%), we will find it hard to find a broker that have them available in its offer.
So the physical location for a particular investment as well as its availability are important elements to consider when trying to find the best investment for us.

EUR 300 million invested through Mintos

By News, Peer-to-Peer Lending, , ,

Mintos logo

Mintos has reached a new milestone – EUR 300 million has been in invested through the marketplace. More than EUR 200 million has been invested in 2017 alone, making Mintos a clear market leader in continental Europe with a 40% market share, according to AltFi Data.

In other words, about EUR 1 million is invested in loans through Mintos daily. To put that in perspective, this is three times more than just a year ago. Mintos is growing fast, and this growth is reflected in the rapid expansion on both sides of the marketplace.

On the investor side, about 2 000 new investors join Mintos each month. As of the end of August 2017, there were more than 32 000 investors from 64 countries on the Mintos marketplace.

On the supply side of the marketplace, there are 27 loan originators from 14 countries. This makes Mintos the world’s largest marketplace of its kind. The first loan originator from Africa just joined the marketplace, making it the third continent from which Mintos offers loans.

Bondora accept deposits with Visa and Mastercard debit and credit cards

By 1 commentNews, Peer-to-Peer Lending, , , , , ,

Bondora logo

New instant payment options at Bondora. You can use a Visa, Mastercard credit and debit cards or SOFORT online payments to make an instant deposit. These changes mean users can invest faster. These new options come at no additional cost. Once you make a payment you will immediately see the results in your Bondora account.

You can add funds to your account in a five easy and secure steps: (1) enter the payment amount, (2) enter your credit card details, (3) log in to your bank in case of 3D Secure, (4) confirm the transaction and (5) see the deposit immediately on your Bondora account.

Secure payments

All these options come without sacrificing any of the privacy users expect. Wirecard Bank secures all payments via credit card. Bondora do not receive or retain any user’s credit card information. This method meets all the regulations required for PCI certification. The users in Austria, Belgium, Germany, Italy, the Netherlands, Poland, Switzerland, and Spain can choose SOFORT as an instant payment option. This secure method requires no storage of any confidential information.

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