Mintos represents a portfolio of high yield bonds

Mintos, Europe’s leading long-term wealth building platform, introduces the High-Yield Bonds portfolio, an automated way for investors to gain access to high-yield bonds.

The new automated portfolio builds on Mintos’ existing bond offering and represents a step forward in providing investors with affordable, diversified wealth management. This allows investors to gain access to a range of high-yielding bonds without having to select them individually. Once activated, the portfolio automatically allocates funds to at least 20 high-yield bonds from a variety of industries and keeps them reinvested to help maintain diversification over time – all powered by Mintos’ proprietary technology.

“Investors have told us that they want higher returns, but without the complexity that usually comes with choosing and buying individual bonds,” said Martins Sulte, CEO and co-founder of Mintos. “With automated investing in high-yield bonds, we offer professional-level diversification and market access often unavailable to most retail investors – all in a simple and transparent way.”

Growing demand for bonds

Over the past year, Mintos has seen a steady increase in investor interest in the bonds. The platform’s data shows a 61% increase in the number of investors starting to invest in bonds, leading to an 86% increase in total investment between 2024 and 2025.

In a period marked by economic uncertainty and fluctuating interest rates, many investors turn to bonds for stability and regular income, a combination that helps balance risk and bring predictability to long-term portfolios.

Mintos has also doubled the number of bonds available on the platform, with bonds from more than 40 European issuers to date, including airBaltic, Eleving, Esto, Nexus, Reima and Summus Capital.
This expansion reflects a growing shift by Mintos investors towards diversified income-generating strategies – where bonds complement existing investments in loans and ETFs to balance return and risk.

Easing access to high-yield bonds

High-yield bonds often have high entry barriers. Mintos lowers this threshold to €50 through fractionalization, allowing retail investors to access bonds that would otherwise require a much larger commitment.

By automating the selection, allocation and reinvestment of bonds, the High-Yield Bonds portfolio helps investors stay diversified without the need for manual management. Investors can also access an enhanced bond overview interface for easier comparisons and new tools such as the Mintos Bond Risk Score and Bond Wish List.

Unlike traditional bond investing, Mintos offers the ability to cash out at any time rather than waiting for the bonds to mature, giving investors greater liquidity and control over their portfolio*. The portfolio management fee is 0.39% per annum, charged monthly and deducted from the portfolio balance. To help investors get started, Mintos is offering free investments until December 31, 2025.

Guided by the understanding of investors

Recent investor research on Mintos highlights growing interest in bonds as part of diversified portfolios. In interviews conducted in May and June 2025, participants consistently highlighted access to high-yield opportunities as a primary motivation for investing in bonds. Many praised Mintos’ ease of use and low entry threshold, while more experienced investors expressed a desire to use sophisticated automated strategies – feedback that directly influenced the development of the High-Yield Bonds portfolio.