Investing

In the long term, investment success is often determined not by trying to time the market perfectly, but by taking consistent action. When investing becomes a habit, it naturally becomes part of your financial routine. Here are four tips to help you invest more consistently. Make investing part of your monthly routine Just as you… “4 Steps Toward Consistent Investing”

The European crowdfunding market has grown rapidly in recent years. In 2024, platforms operating in the EU raised more than EUR 4 billion through crowdfunding, with loan-based financing accounting for the largest share of the market, according to data from the European Securities and Markets Authority (ESMA). Lithuania is among the leading markets by capital… “A Signal from Investors to the Real Estate Development Financing Market: Clear Project Information and Lower Risk Are Becoming Key”

The past years in financial markets have reminded investors of a rollercoaster ride – rapid stock gains followed by sudden drops, bond markets affected by interest rate fluctuations, and geopolitical tensions increasing uncertainty. This environment has left a mark on Lithuanian investors’ expectations. The latest survey by the investing and financing platform SAVY shows that… “Investors Step Back from Aggressive Returns: 10–12% Becomes the New Norm “

2025 was truly a breakthrough year for SAVY. Our platform grew not only in numbers – we strengthened our position as one of the most reliable non-bank financing alternatives by consistently focusing on loan quality, transparency, and responsibility toward our investors. This approach allows us to stand out across the fintech sector, which grew rapidly… “Key 2025 Achievements and a Look Ahead”

This Christmas once again showed the power of community. Together with our investors, we raised €5,000, which turned into a Christmas miracle and support for children who need it most. SAVY contributed €1,000, and our team also independently fulfilled the wishes of 58 children and packed nearly 100 gifts, which are already on their way… “When an investment returns not in euros, but in meaning”

XIRR is the actual return, calculated by taking into account the exact timing and amounts of the investor’s cash contributions and withdrawals. This metric allows for a more accurate assessment of investment profitability, especially when payments are uneven or irregular. On the SAVY platform, XIRR helps investors understand the actual return they receive, taking into… “What is XIRR and how do we calculate it on the SAVY platform?”

We present different portfolio return indicators that help evaluate your investments. Each indicator reflects different aspects of returns – from expected returns to actual earned income, taking into account the timing of cash flows, delays, and incurred expenses. By understanding what the average interest rate, XIRR, and ROI mean and how they are calculated, you… “Portfolio Return Metrics Explained: XIRR, ROI & Average Rate”

Investor portfolios grew by 42% in the first half of 2025 The first half of this year was a period of intense growth for the SAVY platform – recording the highest growth in both granted and financed loans as well as investor portfolios in recent years. These results are not accidental but the outcome of… “Why have investor portfolios grown to nearly €44 million?”

What does a longer loan term mean? We have noticed that most investors tend to choose consumer loans with a term shorter than 84 months. However, this makes it significantly harder to “catch” a loan, as shorter-term loans attract more automatic investment profiles. If you are still considering whether it’s worth investing in longer-term loans,… “3 interesting facts about longer-term loans”