Disclosed herein is an aqueous mixture curable physically, thermally or both thermally and with actinic radiation, comprising (A) at least one polyurethane binder, which is ionically stabilized, nonionically stabilized, or a combination thereof, and which is saturated, unsaturated, grafted with olefinically unsaturated compounds, or a combination thereof; (B) at least one pigment, which is a color pigment, effect pigment, or a combination thereof; and (C) at least one phosphoric ester of the general formula (R1ORO)3P═O, wherein R is an alkanediyl group comprising 2 to 10 carbon atoms and R1 is an alkyl group comprising 2 to 10 carbon atoms. Also disclosed is a process for preparing the foregoing aqueous mixture, and color and/or effect thermoset or thermoplastic materials comprising the same.