Investment academy

Learn what automatic investing is and how to use it to maximize your returns on the SAVY peer-to-peer lending and crowdfunding platform.

What is automatic investing and what are its benefits?

If you’re interested in automatic investing, congratulations – you’ve probably already created a SAVY investor account! If not, now is a great time to do so. By investing, you protect your money from inflation and can enjoy stable passive income.

As a SAVY investor, you have two options: invest manually or use the automatic investing tool. This tool acts like your personal investment robot – it automatically invests in attractive loans even if you’re busy with other things.

When you log into your SAVY account, you see a list of loans available for investment. However, you’ve likely noticed that most loans are fully funded. This is because around two-thirds of loans are funded automatically before they even appear on the list. Therefore, creating an automatic investment profile is recommended, as it gives you more opportunities to invest in all loans on the platform.

How to create an automatic investment profile

1. Click INVESTING and select AUTO-INVEST.

2. Choose from two profile types: consumer loans and business loans. For example, create an auto-invest profile for consumer loans.

3. Set the total amount you want to invest with this profile and the amount per loan.

4. Decide whether to protect your investments with the Investor Fund.

Note: If you choose this protection and a client delays payment for more than 90 days, the Investor Fund will reimburse the remaining investment amount plus any interest accrued over the 90-day period.

5. Select minimum acceptable interest and borrower credit rating. Choose these based on your investment strategy and risk tolerance. You can select all ratings (A–E) or create separate profiles for each rating.

6. Set minimum and maximum loan amounts, loan terms, purpose, borrower gender, personal and household income, and source of income. Indicate whether you agree to invest in loans with deferred first payments or loans where borrowers have debts. SAVY does not provide loans to clients with legal enforcement cases or debts exceeding €20 to credit institutions.

7. Specify borrower age and loan purpose, give your profile a name, and click “SAVE”.

You can create similar profiles for business loans. Clear profile names make it easier to track each profile’s performance.

How automatic investing works

All investors with auto-invest profiles participate in a queue. Once a profile invests in a loan that meets all criteria, it moves to the back of the queue. Even if a loan matches all your selected criteria, it may not receive funding from every investor whose criteria match, especially if the loan is fully funded before your turn.

What to do if your auto-invest profile isn’t working

If you’ve created one or more auto-invest profiles but notice after a few days that they’re not investing, it’s likely due to overly narrow criteria. Perhaps you set very short terms, very high income, or very high interest rates.

For example, if you want to invest only in top-rated A loans but set interest rates at 14%, the profile won’t invest because A-rated loans on SAVY typically offer lower rates. Check the platform for interest rate ranges by rating and adjust your profile accordingly. Sometimes, lowering expectations helps. Profiles with broader criteria tend to invest more.

Many ask if having multiple profiles increases investment frequency. For convenience, you can have as many as you want, but it won’t make your investments occur more often. The investment queue is based on your Investor ID, not the number of profiles.

If you create auto-invest profiles but they don’t work, contact a SAVY consultant.

Happy and meaningful investing with SAVY!

We remind you that investing is always associated with risk. This information does not constitute an investment recommendation, and past returns do not guarantee future results.

In this article, we share how to harness the power of compound interest and how to develop the habit of investing.

Albert Einstein called the effect of compound interest “the eighth wonder of the world.” He said: “He who understands it, earns it; he who doesn’t, pays it.” It is one of the most powerful financial principles, capable of turning small investments into substantial capital — all it takes is discipline and patience.

Experts recommend setting aside 10–20% of your income for investments each month. If you can’t allocate that much today, choose a smaller amount — the most important thing is to invest regularly. The minimum investment in a single loan on SAVY is just €10. Even starting with small contributions, the effect of compound interest will help your capital grow faster. The SAVY platform is designed to make it easy for investors to benefit from the magic of compound interest. What does this mean? When you invest in consumer or business loans, returns are not received only after a year or five — part of your principal and interest is paid back into your account every month, allowing you to reinvest immediately.

Here’s an example:

• Without reinvesting interest: With an initial investment of €1,000 and contributing €100 per month at a 10% annual return, after 10 years your invested capital would total €13,000, while the accumulated interest would be €9,120. The total: €22,120.

• With reinvested interest: With the same conditions, after 10 years your invested capital would still be €13,000, but the accumulated interest would reach €13,304. The total: €26,304.

The difference is significant — more than €4,000.

This is the magic of compound interest: time and interest start working for you. The longer you reinvest, the faster your capital grows.

We invite you to create your investor account, invest, and reinvest. Because while you hesitate, inflation is eroding the value of your savings — and SAVY investors are already enjoying earned interest.

We remind you that investing is always associated with risk. This information does not constitute an investment recommendation, and past returns do not guarantee future results.

It is important to understand the differences and advantages of the loan types available on the SAVY platform, as well as how to choose the most suitable product for you.

At present, we offer the widest selection of investment opportunities. This means that on one platform you can invest in consumer, mortgage, business, and real estate development loans with different collateral options. Each loan is carefully assessed and clearly presented so that investors can make informed decisions. SAVY enables people to act as a bank for each other by lending and receiving returns that match the risk. For your convenience, the SAVY mobile app lets you manage your investments, invest in new loans, and track results anytime.

Now let’s look at the four investment opportunities that allow you to build your own strategy based on risk level, interest rate, and investment amount. Each of our four products can be tailored to different investor needs — both conservative and those willing to take on more risk.

Consumer Loans.
These stand out for offering the highest interest rates. The historical return of the entire portfolio is 16%, but your return will depend on your investment strategy and the credit ratings you choose. Loan amounts range from €300 to €30,000, with terms from 3 months to 10 years. The minimum investment per consumer loan is €10, while the maximum is €500. On SAVY, you can use a unique Investor Fund tool to help manage risk. By investing with Investor Fund protection, you will receive lower interest (as part of it goes to the fund), but if the borrower is late for 90 days in a row, the fund will repay the outstanding investment and accumulated interest for those 90 days. Consumer loans are best suited for those seeking higher returns and willing to accept greater risk.

Mortgage Loans.
These are the safest loans, secured by real estate. The average return is around 9%, with an average duration of about 116 months, attracting more conservative investors who prioritize safety and long-term stability. The minimum investment is €100, and the maximum is €1000. Real estate collateral provides additional protection to investors — if the borrower cannot repay the loan, the mortgaged property would be used to cover it. Importantly, in SAVY’s history, there has not been a single mortgage loan delayed for more than 90 days.

Business Loans.
These loans typically have shorter terms, usually less than two years. The average return is also double-digit — around 13%. The minimum investment per loan is €10, and the good news is that there is no maximum limit. Business loans are secured by guarantees, promissory notes, and for larger amounts, by pledging real estate or other assets. These guarantees help recover funds in the event of borrower default. SAVY handles all recovery procedures.

Real Estate Development Loans.
These loans provide short-term investment opportunities, typically up to one year, with an average return of around 12%. The minimum investment per loan is €10, and, as with business loans, there is no maximum. They are secured by mortgaged real estate. This is a great option for those interested in real estate development and who want to benefit from this market sector.

In summary, each of these investment products has its own unique advantages tailored to different investor needs.

• Consumer loans — high interest rates and relatively quick returns with moderate risk.

• Mortgage loans — stability and long-term returns with lower risk.

• Business loans — opportunities to invest in growing businesses with significant short-term returns.

• Real estate development loans — short investment terms and attractive returns, while contributing to real estate growth.

Every investor can find the option that best suits their financial goals, risk tolerance, and preferred investment horizon.

Choose the investment that fits your needs and start growing your capital today!

We remind you that investing is always associated with risk. This information does not constitute an investment recommendation, and past returns do not guarantee future results.

We’d like to share what the secondary market is and how you can use it to get the most benefit when investing through the SAVY peer-to-peer lending platform.

Peer-to-peer lending and crowdfunding give investors the opportunity to directly lend money to individuals or businesses and earn interest. If you want to diversify your investments and increase returns but haven’t yet discovered all the possibilities, here’s one important tip—don’t overlook the secondary market! When choosing any asset class, it’s important to consider liquidity options. The higher the liquidity, the easier it is to recover your investments if something unexpected happens. On the SAVY platform, liquidity is ensured by the secondary market, where you can sell your investments at any time before maturity. With an active secondary market, you have more flexibility to manage your portfolio and respond effectively to market changes. Many investors underestimate it, but this tool may be exactly what helps you earn even more. The secondary market is an excellent way to diversify your investments and increase returns.

Why use the secondary market?

1. Ensuring liquidity
Even if you have long-term investment goals and invest for 5 or even 10 years, life may bring situations when you need to recover your investments earlier. If you need funds urgently, we recommend selling your investments at their residual value. In this case, you’ll usually recover your money within 1–2 days. If you sell at a discount, you’ll get the funds even faster. If you’re not in a rush, you can sell with a premium – and even earn more. Either way, the secondary market provides flexibility to respond to life changes. To make it even easier, we’ve introduced the ability to mark several loans and sell them at once.

2. More control and flexibility over investments
Every investor wants to protect their capital from losses. Sometimes, a borrower may start delaying payments. Our platform works to ensure that the borrower fulfills their obligations, but this process can take time. For those who don’t want to wait, the secondary market allows you to sell such loans. You can do this during pre-collection, when the loan is only delayed, or even after the agreement has been terminated and the case is taken to court. Some investors sell loans as soon as they start to delay, avoiding bigger risks, while others wait for the platform to recover the debt – earning additional late payment fees. In any case, the secondary market helps maintain the desired portfolio structure.

3. Faster capital allocation
If you don’t always find attractive loans in the primary market, the secondary market can be your chance to put your money to work more quickly. Investors often sell loans here with a small premium or even at a discount, which allows you to invest faster and start earning returns sooner.

The secondary market is more than just a tool to ensure liquidity. It gives you the ability to actively manage your investments, making decisions based on market conditions, your financial goals, and your desired level of risk. It’s a mix of flexibility, control, and additional earning opportunities.

If you haven’t yet taken advantage of this option, now is the perfect time to start!

We remind you that investing is always associated with risk. This information does not constitute an investment recommendation, and past returns do not guarantee future results.