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Mintos recently launched Invest & Access as a new, simplified way to invest on the platform and to cash out more easily. I can’t help but think that they were at least partly inspired by Bondora Go & Grow, which I’ve been using since September of last year.

I’m going to compare the two peer to peer platforms and test out which one is better for short-term investments in P2P lending.

To find out, I invested 1.000€ on both Mintos Invest & Access and Bondora Go & Grow on June 12th. Over the coming weeks and months, I’ll review which one offers the better experience, higher returns and how much money we can withdraw at different points in time.

Update (December 15th): I added my 6-Month Investment-Update!

I recently met up again with my friend Bernhard Hummel, to discuss the changes he made to his investment portfolio. You may remember him from our last encounter in July.

Here are some of the things I wanted to know:

  • Why he recently increased his Peer to Peer Lending Portfolio allocation to a grand total of 230.000€
  • Which P2P platforms he added, if any
  • How much passive income he’s aiming for via P2P lending
  • What his entire investment portfolio looks like now
  • His thoughts on real-estate investing at the moment

If I was starting all over again today and decided to invest 10.000€ via P2P lending, how would I split my funds among the available platforms? What would my peer to peer lending portfolio look like in Mid 2019 and why?

I’ve been asked these questions recently and I think they make for a valuable thought experiment. Before I share my answers, you should know that all of this is just my personal opinion and what I would do based on my experience so far. 

Alright, let’s get right into it!