Mintos Launches Automated High-Yield Bonds Portfolio to Broaden Retail Access

Mintos has expanded its automated investing capabilities with the launch of its new High-Yield Bonds portfolio, a product designed to give retail investors simplified access to high-yield corporate bonds. As demand for income-generating assets accelerates across Europe, the Riga-based platform is positioning the portfolio as an simple, technology-powered entry point to a traditionally complex and high-barrier segment of fixed income.

The new portfolio automates diversification by spreading investor funds across at least 20 high-yield issuers from multiple industries, reinvesting proceeds to maintain risk balance over time. The move builds directly on Mintos’ expanding selection of corporate bonds, where the platform has doubled its listed offering to more than 40 issuers—including well-known names such as airBaltic, Eleving, Esto, Nexus, Reima, and Summus Capital.

Martins Sulte, CEO and Co-Founder of Mintos, said the product reflects clear investor demand: many investors want higher yields but lack the capacity or expertise to select and monitor individual bonds. With this portfolio, Mintos is offering what it calls “professional-level diversification” typically reserved for institutional players, but delivered in an automated, intuitive format accessible to retail users.

Takeaway

Why Investor Demand for Bonds Is Surging Across Europe

Interest in bonds on Mintos has risen sharply, with the platform reporting a 61% increase in new bond investors and an 86% surge in total bond investment volume between 2024 and 2025. This behavior during economic uncertainty—where rising rates, uneven equity performance, and macro volatility are pushing portfolios toward assets that provide consistent income and defensive characteristics.

As more retail investors viewk stability, high-yield bonds offer a compelling balance of risk and return. Yet they often come with high minimum purchase sizes and limited liquidity, restricting participation to wealthier or institutional clients. Mintos aims to solve these issues through fractionalisation, which lowers the entry point to €50, enabling investors to build diversified exposure with modest capital.

The advantage: instead of waiting for bonds to mature, investors can cash out anytime, dependent on market conditions and purchaviewr demand in the Secondary Market. This flexibility, combined with automated reinvestment, assists retail investors navigate interest-rate cycles and retain control over allocation decisions.

Takeaway

How the High-Yield Bonds Portfolio Fits Mintos’ Long-Term Wealth Model

The introduction of the High-Yield Bonds portfolio reinforces Mintos’ strategy of offering diversified, long-term wealth-building opportunities spanning loans, ETFs, , and now an expanded bond suite. With and a user base of more than 600,000 investors, the platform continues to broaden its reach under MiFID II licensing.

Mintos’ proprietary automation engine remains central to this strategy—managing diversification rules, reinvestment actions, and liquidity flows while maintaining transparency around fees and product mechanics. The High-Yield portfolio carries a 0.39% annual management fee, charged monthly, but investors who join before 31 December 2025 benefit from fee-free investing until year-end.

As fractionalisation reshapes retail access to corporate credit markets, Mintos is positioning itself at the intersection of accessibility, automation, and diversified portfolio design. For in a shifting economic landscape, the platform’s newest portfolio aims to provide an institutional-style experience without the traditional hurdles.

Takeaway