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GUIDES / UNDERSTANDING AND MANAGING YOUR PORTFOLIO

Your Mintos portfolio:
balances, withdrawals and pauses.

Available cash, invested funds and overdue amounts describe different things. Here I follow the money within Mintos and explain what changes when you add funds, withdraw them or pause a portfolio.

By · Published on · Revised on

IDEAS IN MOVEMENT

Your money has
different states.

What do your portfolio tags mean? First we place the map; then we see five concepts and three actions, step by step.

01 / 10

What's your Mintos wallet telling you?

When you open an automated wallet, you see the money spread out between various labels. Understanding them helps you know where it is and what you can do with it.

Let's read the wallet before we move the money.

Read the ten chapters without animation

  1. What's your Mintos wallet telling you?

    When you open an automated wallet, you see the money spread out between various labels. Understanding them helps you know where it is and what you can do with it. Let's read the wallet before we move the money.

    Locution: Your Mintos portfolio shows different states of money.

  2. First the states, then the shares.

    We will see five concepts: available, cash in portfolio, inverted, returned and late. Then, what make recharge, withdraw and pause. A state describes money; an action changes what you do with it.

    Locution: We'll see where your money is and what they do to recharge, withdraw and pause.

  3. Funds available

    Mintos balance that you can assign to an investment or request to withdraw to the bank. He's still out of his wallet.

    Locution: Funds available: balance in Mintos that you can invest or request to withdraw to the bank.

  4. Portfolio cash

    Money allocated to the portfolio that has not yet been invested. Custom Loans shares this cash between its portfolios. Assigned and still uninvested.

    Locution: Cash in portfolio is allocated, but is not yet invested.

  5. Invested

    Capital placed in investments. In loans, it follows your payment schedule and the conditions of departure. Investing does not imply immediate liquidity.

    Locution: Invested is capital in investments. Recovering it depends on the product and its limits.

  6. Return

    Return your principal is to recover capital; it is not to earn that amount. The result and the available balance are different things.

    Locution: Return is the result of investing, without confusing it with recovering your capital.

  7. Overdue

    In the loan summary, these are outstanding funds from the lending institution that exceed seven days from the due date. It is different from the borrower's arrears.

    Locution: Delayed means lender pending for more than seven days.

  8. Reload

    Moves available balance to portfolio cash. Then, the portfolio can invest according to your adjustments. Money changes its destination within Mintos.

    Locution: Reloading carries available balance to the portfolio, which invests according to your settings.

  9. Withdraw funds

    From the portfolio, it releases cash to the available balance. The way out of an investment depends on the product. To get to the bank, there's another retreat.

    Locution: Withdrawing frees balance in Mintos; requesting the shipment to the bank is another action.

  10. Pause investing

    It stops new investments. Existing positions follow its path and a recharge plan can remain active. Pause does not settle the wallet.

    Locution: Pause stops new purchases, without liquidating investments or cancelling scheduled recharges.

Scheme of automated portfolios; removal rules change by product. Definitions and sources · Actions and their limits. Revision: 8 October 2026.

The five concepts of the panel

First I look at where the money is. Then, what the result has been generated and if the payments arrive on time. To add up, you have to check whether the panel shows separate items or a breakdown of one of them.

01 Funds available
Balance from your Mintos account that you can allocate to investments or request to withdraw to the bank. "Available" describes where the money is, not a profit. Glossary of Mintos.
02 Portfolio cash
Money allocated to an automated and still uninvested portfolio. The portfolio uses it according to its settings. In Custom Loans the cash is shared between custom portfolios and assigned according to their priorities. How Cash Works.
03 Invested
Capital placed in investments. In the loan panel, are the funds invested actively in loans; not all that amount is available to exit at that time. Definition of invested funds and Output options.
04 Return
The result of the investment. Recovering the principal returns your own capital. If the panel displays an annualized percentage, review its period and method; it does not equal the result in euros. Return and annual rate of return.
05 Overdue
In the loan summary, these are outstanding funds from a lender that have not been processed within seven days of the due date. There may be temporary cases or negotiation and recovery processes. It is different from the borrower’s arrears. Definition of arrears.

What about the outstanding payments? The lender has reported the borrower's payment and Mintos is waiting to receive the funds to pay them. That label alone does not mean that the borrower has been delayed. What are the outstanding payments?.

In my delayed and pending payments on Mintos I show how these categories appear in my account. To understand what the portfolios buy, see loans and investment options on Mintos.

In my results I keep the name and scope of each figure. In ETF and cryptocurrencies, the result of the panel is marked ‘Unbound’: I do not treat it as cash charged. To explain a specific amount, also review the product, period and detail of that figure.

MY LOANS DASHBOARD / 2 NOVEMBER 2026

The games in my wallet.

Invested
28,655.99 €
Pending payments
330.87 €
Overdue
3,401.68 €
Portfolio cash
71.34 €

These four items add up to 32,459.88 € and the value shown in my loan portfolio is 32,459.89 €. The difference of 0.01 € corresponds to the rounding of the items; I keep the amounts shown. The ‘Invested’ of this panel is already separated from ‘overdue’ and ‘Payouts outstanding’. The day-of-payments classification corresponds to the investments in progress; I do not add it again to these amounts.

Source: loans dashboard reviewed on 2 November 2026. See the cases and the difference between states.

EXAMPLE / ILUSTRATIVE IMPORTS

100 € changing places.

  1. They're coming 100 to Mintos. Available: 100 €. Portfolio cash: 0 €.
  2. Reload the wallet with 60 €. Available: 40 €. Portfolio cash: 60 €.
  3. The portfolio invests 50 €. Available: 40 €. Portfolio cash: 10 €. Inverted: 50 €.

In this example, without costs or value changes, they are still the same 100 €. Reloading and investing change where the money is; they do not generate a return on their own.

The three shares within a portfolio

Reload: allocate money to that portfolio

Reload, Add Funds or Enter Funds brings cash available to the cash in the portfolio. You choose an amount, review and confirm. The portfolio then invests according to its configuration. Official steps.

You can do it once or set a Recharging plan. The entry from the bank and the recharge within Mintos are two different movements.

Withdraw funds: release money from the portfolio

Within Core Loans, the withdrawal first uses the cash from the portfolio and can sell investments automatically to cover the amount requested. The released money moves to Mintos's available balance. From there, the transfer to a registered bank account is requested. Retreat at Core Loans and exit to the bank.

  • Core Loans and High-Yield Bonds portfolio. They can use cash and sell investments if necessary. To withdraw cash only, the amount must fit into that balance.
  • Custom Loans. The stock withdraws cash from the portfolio; it does not automatically sell investments. If cash is missing, you can pause and expect refunds, or review manual sales on the secondary market.
  • ETF wallet. You choose the percentage of the portfolio you want to sell.

These differences come from the automated portfolio removal guide. The time frame depends on the liquidity and the state of the investments. The arrears, outstanding or recoverable amounts may continue to be expected. Destination and availability of funds.

Pause investment: stop new purchases

At Core Loans, "Stop investing" or "Pause investments" stops new investments. Those that you already have continue until their expiration or their departure; you can resume the portfolio. How to Stop Core Loans.

Separately review the plan that recharges the portfolio: pause the investment does not automatically cancel it. There is also the adjustment of principal destination and interestIf you want the money to build up outside the portfolio, those controls must fit in with each other. Mintos conditions, paragraph 6.16 and performance management.

Sources and scope

Official Mint Help and Terms of Use, linked to each explanation. Review: . The scheme focuses on automated portfolios; individual instruments have their own controls.

The example of 100 € is illustrative. The animation explains states and movements, without assuming profitability, recovery times or immediate availability. For the risks of capital and output, see the risk guide.

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