Mintos Investor Stories: Ed | Mintos Blog

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Because of his goal of building a fund for his daughters’ future educations, Ed has a long-term, passive approach to investing on Mintos, with an investment horizon of around 10 years. 

To reduce investment risk, he chose to diversify his loan portfolio as much as possible. In terms of strategy choice, he enjoys using Mintos’ automated options. Ed says, “automated strategies don’t give you total control over your investments, but that’s actually the benefit of them. They’re simple, and I only need to go in every so often to adjust the targets”. 

He’s created several custom automated strategies with investments across various interest rates, loan types, and loan countries. Typically, he opts for shorter-term loan investments (anything up to 6-9 months) so that if any repayment issues arise, he’s aware of them quickly. 

He also set up some of Mintos’ pre-defined investing strategies, such as the Diversified and High-yield strategies. Because of his long-term investment horizon, he’s comfortable taking on a bit more risk with higher-interest rate loans.

Over the past year, Ed’s experienced a downturn in part of his portfolio from loans issued in the Kazakhstani tenge and Russian Ruble. But with the Russia-based loans, in particular, he’s confident that some of this will be recovered over time.

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