Almost all my account is in loans.
Where my risk is concentrated.

The 97.4% refers to Mintos, not my entire wealth

The overview dated 2 November 2026 places €32,459.89 in loans within an account worth €33,321.90. I do not have an inventory of my assets outside Mintos here; this percentage describes this account.

Holding ETFs, Smart Cash, real estate and crypto adds products, but these small positions do not change the dominance of loans. Nor does it show that all the risks are independent: I still use the same platform to view, trade and withdraw, although each product has its own structure.

In October, three countries held around 62% of the invested amount

The latest full breakdown I have for Core Loans and Alto rendimiento is from 23 October. To compare the rows, I use the €28,827.55 invested that the loans dashboard showed then, rather than November’s values or the account total.

Combining the two portfolios gives 19 countries. Yet Kazakhstan, Mexico and Indonesia total €17,785.84, approximately 61.70% of that base. Counting countries without looking at their weights gives an incomplete picture.

Scroll the table to see amounts and percentages.

The country is the one displayed by Mintos. Euro-denominated tables do not prove that all loans or borrowers’ income are in euros. I have not verified the underlying economic currencies.

Core Loans and Alto rendimiento also share lending companies

MFO OnlineKazFinance JSC appears with €1,251.94 in Core and €2,879.34 in Alto rendimiento: €4,131.28 combined. Jet Finance and Imagina Leasing also appear in both. Splitting money between two strategies does not remove those overlaps.

Those three names total approximately 39.03% of the invested base. They do not necessarily represent three independent corporate groups: I have not consolidated subsidiaries, parent companies or guarantors. The €4.62 in Custom Loans is outside the available breakdowns, and the views were taken at separate times; I retain the rounding.

One lending company can affect many investments if it stops transferring payments or cannot meet a buyback obligation. Mintos explains these dependencies in its explanation of investment risks. Spreading money across borrowers does not eliminate the risk of the company behind them.

Concentration matters when money takes longer to return

The loans dashboard dated 2 November 2026 shows a diversification score of 46%, labelled ‘Moderate’, and an average term of 29 months and 15 days. That score does not mean that this percentage of the money is protected; the average term is not an exit date for the entire portfolio either.

The same dashboard distinguishes €330.87 in pending payments from €3,401.68 in overdue funds. Arrears bands for current investments are a different classification; I do not simply add them together to announce a supposed total loss. The delays follow-up explains these balances.

A delay is not automatically a permanent loss, but neither is it money available for my expenses. Having withdrawn cash before does not show that I can withdraw the entire investment immediately.

To gauge the scale, if 5% of the displayed loan value were permanently lost, that would be €1,622.99: approximately 4.87% of the account’s value. This is an arithmetic assumption with all other positions unchanged, before other costs or taxes. It neither describes an actual loss nor estimates the probability of it happening.

What I would review before changing the allocation

These figures show that my account’s value is dominated by loans, and that there were significant concentrations by country and lending company within them. Opening more small positions is not enough to change that exposure.

Before setting percentages, I need a goal, a time horizon and a reserve for expenses and emergencies separate from money that could remain invested. Then it makes sense to set limits by product, platform, lending group and country, reviewing all strategies together. I have not chosen an ideal allocation or placed any buy or sell orders here.

Where repayments go also matters. On 23 October, Core reinvested principal and interest, while Alto rendimiento reinvested principal. To reserve cash, I would need to review these settings and top-up plans separately. Pausing new purchases does not turn existing investments into immediately available cash.

ETFs can provide different exposure, but can also lose value. In the analysis of my five ETFs I explain why holding more funds does not ensure a balanced portfolio. What is missing for a decision is how much risk I can maintain and when I will need the money, rather than finding a risk-free product.