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.

ChatGPT said:

1. Why doesn’t my profile invest in a loan, even though it meets the set criteria?

First, check whether the amount allocated for investing has been fully used. You can do this in your SAVY account by following these steps: INVEST > AUTOMATED INVESTING > CREATED INVESTMENT PROFILE(S) > TOTAL AMOUNT ALLOCATED FOR LENDING. If the amount on the left matches the amount on the right, increase the amount allocated for investing in the right-hand box and click UPDATE AUTOMATED INVESTING SETTINGS.

If the amount on the left is less than the right but it still doesn’t invest, check the minimum investment amount. For example, if you’ve invested €500 (left amount), the limit is €550 (right amount), and your selected investment per loan is €100, the profile won’t invest until you increase the allocated amount on the right to at least €600.

Once you ensure sufficient funds are allocated, review the other automated investment profile criteria. Automated investing occurs only when the loan meets all selected criteria. For instance, you cannot invest in a C1-rated loan with a 14% annual interest rate if your profile is set to invest only in A- or B-rated loans starting at 14%.

2. How can I make my automated investment profile(s) invest more frequently?

It is important to have separate profiles for consumer loans and business loans. For each profile, you can set criteria according to loan type or amount based on your investment goals. The broader the profile settings, the more frequently it is likely to invest.

3. How does automated investing work?

All investors with automated investment profiles invest in loans according to the investor queue. After investing in a loan that meets all selected criteria, the investor moves to the end of the queue and waits for their next turn. Even if a loan matches an automated profile’s criteria, not all eligible investors may invest in it, as the loan could be fully funded before a particular investor’s turn arrives.

Is it true that investors who created automated profiles earlier have priority?

This is false. There is no priority order. All automated profiles of an investor are in the same queue, and when it’s the investor’s turn, all active profiles are checked. Once a profile invests in a loan, it will invest in the next loan only after the queue completes a full cycle.

5.Is it true that having more investment profiles increases my chances of investing?

This is false. The investment queue is based on Investor ID, not the number of automated investment profiles. In other words, only one of your profiles will invest at a time, regardless of how many you have. The profile that meets the loan criteria and was created earliest will invest.

We’ve noticed that most investors tend to choose consumer loans with terms shorter than 84 months. However, in this case, it becomes much harder to secure a loan, as more automated investment profiles compete for shorter-term loans.

If you are still considering whether to choose longer-term loans, here are 3 interesting facts that might change your perspective.

1. Long-term loans are repaid earlier

All long-term loans (≥84 months) that have already been repaid were settled early – none reached their full term. This means the actual loan term was shorter than stipulated in the contract, allowing investors to recover their funds sooner.

2. Long-term loans are a safer choice

Among long-term loans (≥84 months), we haven’t recorded any losses. The likelihood of entering legal collection is also about half compared to shorter-term loans: for loans up to 84 months, the probability is approximately 8.38%, while for longer-term loans, it is only 4%.

3. Longer term = more interest

With the same investment amount and interest rate, longer-term loans generate more interest. For example, if you invest €100 at 12% interest in two loans – one 36 months and one 108 months – and both are repaid over 24 months, the longer-term investment would earn on average 32.7% more interest.

This is due to the annuity loan repayment method: monthly payments are always the same, but at the beginning, a larger portion goes toward interest, and later toward the principal. Therefore, longer-term loans generate more interest early on.

Example:

• 36-month loan over 24 months earns €17.08 in interest

• 120-month loan over the same period earns €22.66 in interest (+32.67%, or €5.58 more)

Experienced investors evaluate loans comprehensively – they don’t choose solely based on loan term. They understand that long-term loans not only allow funds to work longer, but also help earn more, diversify the portfolio, and reduce risk.

Answers to the most frequently asked questions about a Paysera account

SAVY ensures the financial security of investors, so funds allocated for investing are separated from the platform and held in a Paysera account, which is a Lithuanian Bank-regulated electronic money institution. Therefore, to invest on the SAVY platform, you need to connect an existing Paysera account or open a new one. A Paysera account is completely free and can be created in just a few minutes by completing the registration fields and verifying your identity. Read on for answers to the most frequently asked questions about using Paysera.

How do I open a Paysera account?

A free Paysera account can only be created through the mobile app, available on the App Store, Play Store, or Huawei AppGallery. Registration takes just a few minutes. For more details on the registration steps and the benefits of opening an account, click here.

How do I top up my Paysera account?

You can fund your Paysera account in several ways – from a standard bank transfer to depositing cash. For more information on funding methods and generating top-up instructions via online banking or the mobile app, click here.

How do I change my Paysera account limits?

One common reason you may be unable to invest, even with sufficient funds in your account, is exceeding your Paysera account limits (daily, monthly, or yearly). You also need to confirm new limits if you exceed €50,000 or if 5 years have passed since the last confirmation. Changing limits is straightforward for both private and business clients. Learn how to do it via online banking or the mobile app here.

How do I update my email, phone number, or transfer the Paysera app to a new phone?

When using a new mobile device, you can transfer your data by following these instructions.

How do I create a new Paysera account if I had one before?

If you cannot create a Paysera account, one reason may be that you previously had an account that is now closed. In this case, you need to contact Paysera customer support to restore your account. Account restoration is only possible after identity verification via video call. For more information, click here.

In the world of investing, as in any field, there is always something to learn. Here are 4 simple tips to get more out of your money on the SAVY platform:

1. Create automated investment profiles

If you haven’t done this yet, you miss the chance to invest in nearly two-thirds of loans, as automated profiles take priority. Manual investing is only possible if a loan is not automatically funded. Fewer investments mean fewer opportunities to build your desired portfolio. Even with automated profiles, you can still invest manually.

2. Take full advantage of automated investing options

If you are already using automated investing, check whether you have all the necessary profiles. There are separate profiles for consumer and business loans. It is also recommended to diversify your portfolio across different ratings, amounts, and terms. Want to deploy your funds even faster? Consider automated investing on the secondary market as well.

3. Shop on the secondary market

The secondary market is primarily known as a tool for loan liquidity, but buying loans there can also be part of an investment strategy. As you probably know, loans on the secondary market are sold by other investors, often at a discount. This usually happens when an investor wants to recover funds earlier than the agreed term or if a borrower is late on payments. While buying delinquent loans carries risk, considering SAVY’s effective debt collection, it often pays off. This is supported by the platform’s loan loss rate, which has remained below 0.01% since its launch in 2014.

4. Earn up to €1,000 by inviting a friend to invest

This is a simple way to boost your earnings while helping a friend invest. Recommend SAVY to a friend, and you both receive 1% of your friend’s investments during the first 3 months. The maximum bonus is €1,000. To claim the bonus, simply send an invitation via email or share your unique referral URL. More information here.