Because no investor story is the same, we’ve decided to share some unique experiences of investors on Mintos.
This month, we bring you the experience of Agnieszka, a former education trainer and Mintos investor living in Poland, who shared how she’s using Mintos to live off of passive income.
A bit about Agnieszka
Agnieszka started investing in her early twenties because, from quite a young age, she had to be financially independent. Whenever she had extra money, she invested. She started out by giving money to the bank for around 6% return per year.
Mintos was her first experience investing outside the Polish market. Agnieszka started reading about finances and alternative ways to invest because she wanted to earn a higher passive income. She found out about Mintos from a blog that offered investment tips.
Agnieszka’s approach to investing on Mintos
Agnieszka prefers investing in euros, and around 70% of her investment portfolio is Mintos. She started investing on Mintos in 2019 and has seen the market go up and down.
“For me in the long term, even if my money isn’t growing at the moment, at the end of the day I’m still making money.”
Agnieszka mostly invests in 1-3 month Notes. She started using Mintos strategies recently, which saved her time and made her life easier. She uses Mintos Risk Scores to help make investment decisions. Most of her money is in low-risk Notes, but when she has money left over, she invests in higher-risk Notes. Agnieszka describes herself as a conservative investor, so she’s still cautious and never invests in anything with too much risk.
Agnieszka’s investment goals
Agnieszka’s original investment goal was to purchase a flat. However, she ended up taking out a loan for her flat, and now she needs to pay it back. She also wants to have some money coming in because she resigned from her job. She would like to live on the passive income she gets from investing.
Agnieszka’s financial education
At first, Agnieszka was using some educational tools because no one ever taught her about investing. Now she feels that she knows most of what she needs to know about investing, and doesn’t want to spend much more time learning about it. She feels that she doesn’t need to have a high level of knowledge, but when Mintos comes out with an interesting article, she reads it.
Agnieszka’s tips for investors starting out
“In the beginning, start with low-risk and short-term investments and build trust. It can be scary at first, but with Mintos, it’s easy to get your money back if you need it. I suggest reading a lot in the beginning and checking how the market is changing. At the end of the day, it’s not rocket science.”