Latest Articles

Depositing and Withdrawing Funds

Blog, Tutorials

At iuvo, we pay utmost attention to the convenience of our users and always make sure that each step of the investment process is quick and easy. This is also true for the depositing and withdrawing of funds. We`ve made the processes intuitive and easy to follow, but with this article, we`d like to make sure that everything is clear and guide you through the specifics of the process.

Making a Deposit

Making a deposit is an easy process, but there are some things you need to consider depending on the currency you`d like to deposit in and other variables concerning your bank account.

Currently, deposits can be made in EUR, BGN, and RON, so you need to decide which one works best for you as you won`t be able to change it later on.

To make a deposit first, you need to click on the “Add Funds” button, located conveniently in the upper right corner of your “Dashboard” page. After that the corresponding steps are explicitly listed, explaining in detail exactly what you need to do.

Depositing Specifics

The general deposit method for funds in EUR and BGN is via a bank transfer to one of our accounts at Allianz or Swedbank

The types of bank transfer that can be used are the following:

– Inter-bank transfer

– Intra-bank transfer (if you have an account at the corresponding bank)

– Depositing location at a bank branch

It is important to note that bank taxes may be on the higher side when depositing EUR and furthermore, some banks might have additional fees for incoming deposits.

If you`d like your account to be in a currency different than EUR or BGN you have to use an external service. All details regarding this step are listed in the “Add Funds” page. Also, have in mind that to start investing you`ll have to verify your account by uploading a copy of an identification document.

If you are planning to deposit RON you should consider the following:

Thanks to our partnership with the Romanian originator iCredit, we are now also able to provide excellent investment opportunities in RON. For that purpose, any user who wants to deposit RON must add funds by using an external service instead of bank transfer.

For that purpose, we recommend using Pay Sera, an efficient, low-cost service which enables you to make payments in different currencies. Creating an account is very easy and takes no time at all. We recommend the service even if you want to deposit EUR or BGN, but it`s also useful for making all sorts of payments.

When depositing RON via Pay Sera, you should state “IUVO” as the basis for making the payment and also provide the following information:

IUVO Investment Number: – EVP6210002572095

ID: XXXX (Provide your account number here)

Other similar services which you can use, and we recommend are Transferwise, Revolut, and Currencyfair. The benefit of depositing using such a method is that you avoid the high taxes related to bank transfers. Furthermore, once you have an account at one of the abovementioned services you can deposit funds anytime, at your convenience.

It is a general requirement for any investor to provide a bank account of his own and for that reason, certain verification is required. Any user who wishes to deposit funds using a non-bank transfer should provide the appropriate documentation, proving that he is the actual owner of a personal bank account.

Such documentation can be either of the following, as long as your name and IBAN are visible:

– Bank statement

– Payment order

– E-Banking Screenshot

To upload a verification document, you should go to the profile menu, click on the “Documents” button, located in the upper left corner and attach the necessary documents.

After completing the depositing procedure, you should receive an e-mail signaling that funds have been added to your account. All you need to do after that is verify your account, and you`re all set to start investing.

Withdrawing Funds

Withdrawing funds is an essential process associated with investment, and it can even be said that it is the final goal of the process. Compared to making a deposit, withdrawing is a lot simpler and can be done at any point in time for any funds that are not currently invested in loans.

To make a withdrawal, you simply need to go to the “Dashboard” page and click on the “Withdraw” button located in the upper right corner, right next to the “Add Funds” button. There you need to fill in the required information and submit the request.

Note that to be able to withdraw funds you will have to verify your address by providing an appropriate document such as a utility bill.

All other details regarding the withdrawing of funds, such as withdrawal amounts, fees and processing time are fully described in the dedicated FAQ section.

In case you have any additional questions please take a look at the FAQ or send us a message: [email protected]

iCredit – our third originator on the platform

Blog, News

We are delighted to announce that iCredit Romania will join our platform as a third originator. With the other two originators, iCredit will allow us to diversify further our loan portfolio adding more lucidity on the platform and giving more investment opportunities for our clients.

The total loan portfolio iCredit is estimated to be around 18M EUR. The company has loans between 400 – 6000 RON (85 -1300 EUR) from its main products – consumer loans, staff loans and pension loans. The maturity of the loans is between 3 and 15 months depending on the product. iCredit is obliged to retain 30% of the sum of every listed credit, mitigating the risk for investors. All loans are coming with 100% buy-back guarantee. Investors will be able to invest in credits in Euro and Romanian Leu. The average return on the iCredit portfolio is 12%, the maximum return investors can expect is 14,88%.

iCredit is operational since 2011 in Romania, and three years later it starts to operate in Poland as well. As to 2017, the number of offices in Romania and Poland exceeds 130 in more than 105 cities, and the employees of the company are around 1700. iCredit is a leading employer in the financial sector in Romania.

The success of the companies lies in its core principle to offer financial independence to all its customers.

The full financial statements for 2016 of the company can be found here.

Register now and take a look the listed portfolio of iCredit and start investing.

Refer-a-friend program vol.2

Blog, News

We have the pleasure to announce that we will be restarting our Refer-a-friend program as of 05.10 2017. If you are an investor with iuvo and you refer a friend to join our platform both of you get a bonus of 30 EUR in your accounts.

Three easy steps to join the program!

Step 1. Register and make a deposit, if you have not already done it.
You can participate in the Refer-a-Friend Program if you have an account and investments of at least 1000 EUR.

Step 2. Fill in the Forms to let us know the friends you want to refer.
The Referred party (your friend) must Register and invest at least 1000 EUR.

Step3. Check your iuvo account for the bonus.
The bonus of 30 EUR (depending on the currency of your last deposit) will be added to your (and your friend’s) accounts within two working days.

Furthermore, if your referred friend increases in the next two month after the registration the invested sum up to 2500 EUR, both of you will receive a bonus of 60 EUR in your iuvo accounts.

Full Terms and Conditions of the Program can be found here!

Iuvo is regulated credit intermediary in Estonia

Blog, News

We are proud to announce that iuvo has been granted a credit intermediary license by the Estonian Financial Supervision Authority (FSA). The license will allow us to make the next steps in our development — not only to give investors the opportunity to invest but to allow borrowers to get loans directly from the p2p lending platform.

The FSA is regulating the financial sector in Estonia — banks, insurance companies, investment and credit intermediaries, pension funds, etc. The decision to grant a credit license to the company was based on our great due diligence with legal requirements in Estonia.

“We are delighted and proud with the given trust from the Estonian regulator. It validates our business model once more and allows us to continue our development in new directions. The license will give us the opportunity to add more services in our portfolio. The next step is to be able to issue loans directly to borrowers or in partnership with our originators. Now, the options for iuvo are limitless.”, said Ivaylo Ivanov CEO of iuvo.

Since August 2016, more than 2000 investors from 57 countries gave their trust to the platform and invested more than 4M EUR with an annual return up to 15%.

It is not without a reason why we decided to register iuvo in Estonia — a country with one of the most advanced and developed p2p lending markets. In the past years, Estonia is recognized as one of the countries with high penetration of internet technologies. All the above makes Estonia a state with one of the best regulatory practices in the p2p lending market. All companies comply with the best practices in the industry and the rules that guarantee the clients accurate information when investing.

Blog

Depositing and Withdrawing Funds

Blog, Tutorials

At iuvo, we pay utmost attention to the convenience of our users and always make sure that each step of the investment process is quick and easy. This is also true for the depositing and withdrawing of funds. We`ve made the processes intuitive and easy to follow, but with this article, we`d like to make sure that everything is clear and guide you through the specifics of the process.

Making a Deposit

Making a deposit is an easy process, but there are some things you need to consider depending on the currency you`d like to deposit in and other variables concerning your bank account.

Currently, deposits can be made in EUR, BGN, and RON, so you need to decide which one works best for you as you won`t be able to change it later on.

To make a deposit first, you need to click on the “Add Funds” button, located conveniently in the upper right corner of your “Dashboard” page. After that the corresponding steps are explicitly listed, explaining in detail exactly what you need to do.

Depositing Specifics

The general deposit method for funds in EUR and BGN is via a bank transfer to one of our accounts at Allianz or Swedbank

The types of bank transfer that can be used are the following:

– Inter-bank transfer

– Intra-bank transfer (if you have an account at the corresponding bank)

– Depositing location at a bank branch

It is important to note that bank taxes may be on the higher side when depositing EUR and furthermore, some banks might have additional fees for incoming deposits.

If you`d like your account to be in a currency different than EUR or BGN you have to use an external service. All details regarding this step are listed in the “Add Funds” page. Also, have in mind that to start investing you`ll have to verify your account by uploading a copy of an identification document.

If you are planning to deposit RON you should consider the following:

Thanks to our partnership with the Romanian originator iCredit, we are now also able to provide excellent investment opportunities in RON. For that purpose, any user who wants to deposit RON must add funds by using an external service instead of bank transfer.

For that purpose, we recommend using Pay Sera, an efficient, low-cost service which enables you to make payments in different currencies. Creating an account is very easy and takes no time at all. We recommend the service even if you want to deposit EUR or BGN, but it`s also useful for making all sorts of payments.

When depositing RON via Pay Sera, you should state “IUVO” as the basis for making the payment and also provide the following information:

IUVO Investment Number: – EVP6210002572095

ID: XXXX (Provide your account number here)

Other similar services which you can use, and we recommend are Transferwise, Revolut, and Currencyfair. The benefit of depositing using such a method is that you avoid the high taxes related to bank transfers. Furthermore, once you have an account at one of the abovementioned services you can deposit funds anytime, at your convenience.

It is a general requirement for any investor to provide a bank account of his own and for that reason, certain verification is required. Any user who wishes to deposit funds using a non-bank transfer should provide the appropriate documentation, proving that he is the actual owner of a personal bank account.

Such documentation can be either of the following, as long as your name and IBAN are visible:

– Bank statement

– Payment order

– E-Banking Screenshot

To upload a verification document, you should go to the profile menu, click on the “Documents” button, located in the upper left corner and attach the necessary documents.

After completing the depositing procedure, you should receive an e-mail signaling that funds have been added to your account. All you need to do after that is verify your account, and you`re all set to start investing.

Withdrawing Funds

Withdrawing funds is an essential process associated with investment, and it can even be said that it is the final goal of the process. Compared to making a deposit, withdrawing is a lot simpler and can be done at any point in time for any funds that are not currently invested in loans.

To make a withdrawal, you simply need to go to the “Dashboard” page and click on the “Withdraw” button located in the upper right corner, right next to the “Add Funds” button. There you need to fill in the required information and submit the request.

Note that to be able to withdraw funds you will have to verify your address by providing an appropriate document such as a utility bill.

All other details regarding the withdrawing of funds, such as withdrawal amounts, fees and processing time are fully described in the dedicated FAQ section.

In case you have any additional questions please take a look at the FAQ or send us a message: [email protected]

iCredit – our third originator on the platform

Blog, News

We are delighted to announce that iCredit Romania will join our platform as a third originator. With the other two originators, iCredit will allow us to diversify further our loan portfolio adding more lucidity on the platform and giving more investment opportunities for our clients.

The total loan portfolio iCredit is estimated to be around 18M EUR. The company has loans between 400 – 6000 RON (85 -1300 EUR) from its main products – consumer loans, staff loans and pension loans. The maturity of the loans is between 3 and 15 months depending on the product. iCredit is obliged to retain 30% of the sum of every listed credit, mitigating the risk for investors. All loans are coming with 100% buy-back guarantee. Investors will be able to invest in credits in Euro and Romanian Leu. The average return on the iCredit portfolio is 12%, the maximum return investors can expect is 14,88%.

iCredit is operational since 2011 in Romania, and three years later it starts to operate in Poland as well. As to 2017, the number of offices in Romania and Poland exceeds 130 in more than 105 cities, and the employees of the company are around 1700. iCredit is a leading employer in the financial sector in Romania.

The success of the companies lies in its core principle to offer financial independence to all its customers.

The full financial statements for 2016 of the company can be found here.

Register now and take a look the listed portfolio of iCredit and start investing.

Refer-a-friend program vol.2

Blog, News

We have the pleasure to announce that we will be restarting our Refer-a-friend program as of 05.10 2017. If you are an investor with iuvo and you refer a friend to join our platform both of you get a bonus of 30 EUR in your accounts.

Three easy steps to join the program!

Step 1. Register and make a deposit, if you have not already done it.
You can participate in the Refer-a-Friend Program if you have an account and investments of at least 1000 EUR.

Step 2. Fill in the Forms to let us know the friends you want to refer.
The Referred party (your friend) must Register and invest at least 1000 EUR.

Step3. Check your iuvo account for the bonus.
The bonus of 30 EUR (depending on the currency of your last deposit) will be added to your (and your friend’s) accounts within two working days.

Furthermore, if your referred friend increases in the next two month after the registration the invested sum up to 2500 EUR, both of you will receive a bonus of 60 EUR in your iuvo accounts.

Full Terms and Conditions of the Program can be found here!

Iuvo is regulated credit intermediary in Estonia

Blog, News

We are proud to announce that iuvo has been granted a credit intermediary license by the Estonian Financial Supervision Authority (FSA). The license will allow us to make the next steps in our development — not only to give investors the opportunity to invest but to allow borrowers to get loans directly from the p2p lending platform.

The FSA is regulating the financial sector in Estonia — banks, insurance companies, investment and credit intermediaries, pension funds, etc. The decision to grant a credit license to the company was based on our great due diligence with legal requirements in Estonia.

“We are delighted and proud with the given trust from the Estonian regulator. It validates our business model once more and allows us to continue our development in new directions. The license will give us the opportunity to add more services in our portfolio. The next step is to be able to issue loans directly to borrowers or in partnership with our originators. Now, the options for iuvo are limitless.”, said Ivaylo Ivanov CEO of iuvo.

Since August 2016, more than 2000 investors from 57 countries gave their trust to the platform and invested more than 4M EUR with an annual return up to 15%.

It is not without a reason why we decided to register iuvo in Estonia — a country with one of the most advanced and developed p2p lending markets. In the past years, Estonia is recognized as one of the countries with high penetration of internet technologies. All the above makes Estonia a state with one of the best regulatory practices in the p2p lending market. All companies comply with the best practices in the industry and the rules that guarantee the clients accurate information when investing.

More than 3M EUR invested through iuvo in one year

Blog, News

Last month the p2p lending platform iuvo had its first anniversary. We I launched in 2016, and for that short period, we were able to secure more than 3 000 000 EUR in investments and 1800 investors. One of the main achievements of the past year was that the company was able to offer to all its investors up to 15% annual returns, which makes the platform one of the top choices in the p2p lending industry.

At the present moment, we are working with two of the top originators in Bulgaria (Easy Credit and Viva Credit). We expect new originators to list their loans on the platform by the end of 2017. Iuvo is partnering with some of the most innovative and successful companies in Europe. That is a great recognition of the potential of the p2p lending industry.

“We are witnessing an impressive growth in the past year, in which we were able to educate the market and the customers that p2p lending is a secure and profitable, alternative financial instrument. I believe that we can present what is the future of the financial sector and how the new business model of p2p lending can work and bring benefit to all”, comments Ivaylo Ivanov, CEO of the company.

In the past year, Ivanov took part of many financial events and forums. He also gave interviews for a couple of economic televisions in Bulgaria. In June iuvo became part of Finance Estonia, where many fin-tech companies, banks, and other p2p platforms are also participating.

“Our future goal is to become one of the most innovative and thriving p2p lending platforms in Europe and to gain the trust of more and more investors and originators. In September I will be participating in one of the most relevant industry forums in Athens, where many important issues will be discussed”, comments Ivanov.

How to create an action plan for p2p investing

Blog, Strategies

Our investors’ satisfaction has always been the top priority of iuvo. All improvements that we make on a daily basis are based on the feedback and experience of our clients on the platform.

Our development team is processing and classifying all of the received recommendations and comments. The frequently asked questions are ‘How much will I earn?’, ‘Would the profit be enough for the spent time and money?’, ‘The risk is low but getting out of investment takes time.’, ‘How can I calculate my profitability?’. We will give you answers to those questions by making an action plan for p2p investing and put the specific ultimate goal.

Make a plan for action!

Accurate, reliable and timely information is essential for making an action plan. If you are already familiar with the P2P lending, you can get acquainted with our profitability, guarantees, taxes, average deposit, how to get out of investment, etc. If you’re just getting into the P2P investments world, it will be helpful to read our blog postshow iuvo operates, what are the returns, risks, etc.

Set Up Conditions!

Before start investing you need to define your criteria and budget for all of the strategies and functionalities, you want to test. Iuvo offers two options for investing – Auto Invest and Manual Investing.

When implementing strategies or using different functionalities, set them a budget and approximately the same conditions to be easier for you to measure the results. When planning, it is important to set a preliminary period, after which you will review the achievements. Then select credits which match to the set time.

Ultimate goal!

The ultimate goal is high profitability. You can earn an annual return of up to 15% on your investments. To select the most convenient and appropriate way to invest your funds, take a look at our Auto invest and Strategies materials.

Apply – Invest!

No matter if you decide to invest manually or automatically you can add filters to your criteria – terms (number of installments), credit status – current/delay, rating class, etc. Stick to you pre-made plan. Changing the plan will affect the results, therefore make sure you will apply the changes when measuring the outcome.

Evaluate – Balance time!

The most enjoyable part of the whole process is getting the profitability. Use the account options for analyzing your achievements – extract the data from ‘My Investments’ and ‘Account Statements.’

Difference between the action plan and the realized return?

Make sure you have included all the changes to the results calculations – different taxes which you pay or receive, premium/discount of the secondary market, withdraw or add funds, etc.

Make your plan and become a part of iuvo!

How to choose your p2p platform

Blog

Over the last few years, shared funding is referred to as “the next big thing in financial services”. But what the data points to – is no longer just a matter of discussion. The first players in the market have grown rapidly, some are already profitable, and the number of newcomers that are trying to enter the market is increasing on a daily basis. In this article, you will find answers to the most frequently asked questions when choosing a p2p platform to invest in.

 

1. In what type of loans should you invest?

An important factor influencing your investment decisions is the level of risk you are willing to take. When choosing a platform, pay attention to the type of loans that are offered and whether the platform offers a guarantee.

Secured loans, such as property or auto loans, are relatively more reliable investments than consumer loans and other unsecured loans. We attribute this to personal motivation when the debt is repaid due to the pledge when it is released.

Providing a guarantee on the platform is a good sign of it. Such platforms have carefully selected their originators, if they have them, or have placed investor security among their most important goals.

We at IUVO offer you the ideal balance – all the loans on the platform are backed by a buyback warranty, and the attractive yield now reaches 15.22% on an annual basis.

 

2. What are levels the return on investment you are seeking?

The planned return is another important factor related to the risk of an investment. The low level of competition among non-bank originators in underdeveloped markets gives more power to small players to determine the market trend, to charge higher borrower rates and respectively to offer higher returns on their investments.

Indeed, p2p platforms in underdeveloped markets can provide more attractive returns to investors. Peer2peer financing is not the only industry in which such a thing is observed. Whether you are financing a small business in France, consumer credit in Spain, factoring in England or a mortgage loan in Estonia, the return you will get from an investment in the p2p platform is many times greater.

Since the start of the platform in August 2016, We’ve increased earnings several times. We have achieved this by automating investment and growing number of the originators. Thanks to Automatic Investing, we continue to reduce the lost profits of free funds in the account. The platform already has loans with yields of up to 15% annually, up from 12% originally.

From August 2016 we are stepping up in several Eastern European markets. Our long-term goal is to cover as much of the market as possible, as well as to add originators from the same countries.

 

3. How secure is the p2p platform?

From a product standpoint, it’s literally about your money, so you have to keep track of safety and compliance. For example, if opening an account, depositing funds and making an investment takes no more than 15 minutes without prior identity verification, be very careful and think before investing your money in a similar type of p2p platform.

In IUVO, investing on the platform without identity verification is impossible. We follow stringent EU regulations, such as anti-money laundering (AML) procedures, which require this information to be a customer statement. They are part of the KYC (know your customer) regulation under which we work as a financial service.

The transparency and simplicity of the site itself deserve your attention as well. Confused interface, uncertainty about simple details, complex layout, lack of intuitiveness – these features are rarely seen in a well-developed platform. The real challenge for the platforms is finding the perfect combination to ensure a seamless user experience, a high level of safety and a secure use of services.

Part of our team is engaged in the continuous maintenance of security. All data in the platform is transmitted via an encrypted SSL certificate.

From the middle of May 2017. We became part of FinanceEstonia on the “Crowdfunding” section. Each member company in this niche strictly adheres to “best practices for shared funding.” At the core of the practices is the “Observe or Explain” principle. According to him, every platform in FinanceEstonia is committed to “complying” with the prescribed practices and “explaining” publicly if it deviates from them.

Developing and implementing improvements to the platform are provoked by our drive to get closer to the most instinctive solutions. The positive assessment of our investors for the new look of our site is a good indicator that we increase the confidence of our users on a daily basis.

 

4. Does the p2p platform offer the new model of financing?

Peer-to-peer companies are part of the fin-tech revolution – business models based on new technologies that, thanks, to the more flexible management and missing regulations, have managed to offer more favorable offers than traditional financial institutions. Shared finance platforms are designed to provoke traditional banking by increasing access to finance. They offer better deals for investors, at the same time they are faster and more efficient by excluding dishonest intermediaries. Of course, the best p2p platforms realize this and put it into practice.

We at IUVO take care of the safety of our investors and, at the same time, offer attractive returns on their investments. All the credits on the platform have a buyback warranty through which the originators guarantee that they will repay the outstanding principal if the borrower stops servicing his loan. The risk for investors on the platform is actually zero.

Investing with us is free of charge, we accept investors from all over the world and we do not have a minimum deposit amount. Sign up and make your money work for you right now.

Refer-a-friend program

Blog, News

We, at iuvo, have the pleasure to present to you our Refer-a-friend program. If you are an investor with iuvo and you refer a friend to join our platform both of you get a bonus of 50 BGN / 25 EUR in your accounts.

Three easy steps to join the program!

Step 1. Register and make a deposit, if you have not already done one.
You can participate in the Refer-a-Friend Program if you have an account and investments of at least 100 BGN or 50 EUR.

Step 2. Fill in the Forms to let us know the friends you want to refer.
The Referred party (your friend) must Register, have their account verified and invest at least 100 BGN or 50 EUR.

Step3. Check your iuvo account for the bonus.
The bonus of 50 BGN or 25 EUR (depending on the currency of your last deposit) will be added to your (and your friend’s) accounts within two working days.

Full Terms and Conditions of the Program can be found here!

Thank you for being part of iuvo. In the recent months, we are making huge leaps forward and have been achieving steady growth. Our success would be impossible without you – our investors.

Companies are welcome to invest with iuvo

Blog

Following the first quarter of 2017 and the demonstrated optimism and increased company investments, we would like to explain to you how company investors can invest and take advantage of the iuvo platform.

To ensure a secure portal where you can invest and realize high returns, we strictly comply with all EU anti-money laundering guidelines. That is why, from the launch of the platform, we use the “Know Your Client” (KYC) principle, which we apply on a daily basis. The “Know Your Client” policy is widespread and applied by credit institutions worldwide. It covers the development and implementation of customer approval policies, transaction monitoring, risk management, and more.

The principle is a cornerstone in the fight against money laundering, as well as a standard practice for identifying clients. The volume and type of required documentation depend on the kind of person (citizen, company, etc.) and the type of products used by the customer. Legal entities considering iuvo registration should be aware that they will go through Good Practices to “Know Your Client” with us.

At iuvo, we accept registrations from individuals over the age of 18 and from legal entities with valid bank accounts within the EU (or third countries following EU AML / CFT systems). To register on the platform as a legal entity, companies must provide:

– Identity card or Passport of representative,

– Company registration document or Certificate of good standing. Every company that registers with iuvo must be legally established, i.e., shall be recorded in a relevant trade, business or another equivalent register according to national circumstances,

– Articles of association (contract) – aims to establish the ownership, management, and control of the company,

– Information about actual owners (UBO) – information about shareholders and partners that directly or indirectly hold more than 25 percent of the shares or directly or indirectly have control over the legal entity.

Each of our users can get comprehensive information on all matters related to documents and identification by contacting us at [email protected] or by phone at +359 2 493 0108.

A known method for financing a company is to purchase real assets to replace old or to reduce working time/production. This type of investment, however, has its specifications and requires a strong knowledge of capital assets. Your sources of information must be reliable and profitable, as well as you need a know how to buy and sell. When investing in shares, the investor carries market, currency and liquidity risks, risk related to the obligated person, as well as a settlement risk (the final transfer of funds to the current accounts of the participants in the payment process).

The best scenario for investors is one in which the risk is low, and the returns are high. What distinguishes iuvo from alternative investment opportunities is that you can generate annual returns of up to 15% with risk kept to the minimum thanks to the 100% buy-back guarantee. Buy-back guarantee means that if a credit in which you’ve invested defaults, the investment amount will be refunded to you in full.

To start investing at iuvo, it is not necessary to have a personal financial adviser. Thanks to our Automatic investment, your investments will be managed quickly and easily.

The automatic investment ensures that you reinvest your free funds, thereby significantly boosting returns. Users remain solely responsible for tracking revenue earned on their account, but there is no need for additional training courses or knowledge to use the auto investment. It is intuitive enough, and you will be able to create your portfolio easily.

Unlike traditional methods of investing, the Peer-to-Peer platforms are entirely online. It is one of the reasons why this type of platforms offers such high returns. Joining iuvo as an investor is easy, and the necessary verification documents are only identification document (ID card) and contact address.
The primary objective of iuvo is to provide the best results for our investors. Our statistics show that more than EUR 1.5 million has been invested in our primary market since the launch of the platform in August 2016 and our investors have generated returns of up to 15% on an annual basis. Still, have doubts? Register your company on the platform and start securing your future now!

What do loan originators gain through iuvo?

Blog

Our investors at iuvo purchase parts of loans, issued by registered non-banking financial institutions. In return, they get up to 15% annual return – much higher than interest levels on bank deposits.

All funds invested through iuvo are secured with buy-back guarantee by the originator.* It means that the investments in each loan that is more than 60 days delinquent will be repaid 100% to the investor.

When you look at it this way, the investment in iuvo sounds like the perfect deal. Each investor must be asking himself: am I missing something? Why a financial institution would share its return with me and would cover the losses from my bad investments?

Where’s the catch?

There’s no catch, only pure math.

Imagine that you run a non-banking financial institution – you’ve covered all criteria of your national bank, you have the required capital, the necessary processes, and expert personnel and you are registered as a non-banking financial institution. Now you’re in the lending market, and you’ve gained the trust of clients that were deemed too risky for the banks. Your risk assessment is right; people are happy with your service – they take loans and pay on time – your business is growing.

At one point the demand for your loans is higher than the money you have at hand. Unlike banks, who can always attract more deposits to fund their lending, non-banking financial institutions can only use their funds. It means that to finance their business, they have to count on the money of their owners (equity) or debt funding (through banks, institutional investors or physical persons).

It is where iuvo comes into the equation. By investing through the platform, our investors inject “fresh money” into the lending business of the originators. In return, they get part of the return from this loan.

The interest that the originator is ready to pay for this financing is higher than returns from bank deposits. And still, it is more attractive than the interest (and all other fees, collaterals, covenants, etc.) that they would have to pay if they finance themselves through a bank loan or issuing of bonds to the public.

It is why the loan originators have the incentive to keep clear and positive relations with the investors on the platform, including covering the risks of bad loans because in this way they maintain their source of funding which helps them to develop their business further.

Everybody wins

It’s a win/win situation for both sides that iuvo connects. This the reason why the peer-to-peer model of financing is so successful throughout Central and Western Europe and is gaining momentum in the Eastern part of the continent as well.

Register now and start generating up to 15% annual return on investment today!

How p2p investing compares to other investment methods

Blog

After the wake of the financial crisis in 2008, the term “investment” gets more and more relevant for the regular citizen of the world. We see the incapability of governments and big financial institutions to properly handle economic turbulence, which is inevitable in a free market global economy.

Every one of us is seeking a different way to generate more profit and to assure their financial independence. It becomes one of our primary goals, and we are desperately searching to find the best possible way to achieve it. Meanwhile, the financial market has existed for 500 years and is a global phenomenon that offers different types of financial instruments – currencies, indices, stocks, futures, real estate, bank deposits, you name it. All of them have their pros and cons, represent an attractive investment opportunity.

In the recent years, we have a new player in town – peer-to-peer investing. And this newcomer is pretty impressive as an underdog.  Peer-2-peer was the answers to the questions of many investors after the meltdown in 2008. It was a new way to invest your funds, yielding more returns than most of the other traditional investing opportunities. Furthermore, investing in p2p platforms has shown to be less risky for the investors. Let’s see why p2p investment platforms have such a competitive edge over everything else on the market.

P2P investing vs. Forex

Everybody knows that FX is the beast in the financial market world. It is the most dynamic market, providing the greatest liquidity possible. Nevertheless, all those benefits are making it the most volatile. And we know that volatility means significant risk. You can be on top of your game one moment and the next you are in the dead zone of the margin call. You lost everything. It is a typical picture. On the other hand, you have p2p investment platforms offering a high return on investment with percentages going up to 15% and the opportunity to secure your net investment with 100% buyback guarantee. It means that every single one of the credits listed on the primary market is ensured with this guarantee.  The risk of losing your investment is near zero. It is something that no FX broker can guarantee you.

On the other hand, you have p2p investment platforms offering a high return on investment with percentages going up to 15% and the opportunity to secure your net investment with 100% buyback guarantee. It means that every single one of the credits listed on the primary market is secured with this guarantee.  The risk of losing your investment is near zero. It is something that no FX broker can guarantee you.

P2P investing vs. Stocks Trading

Investing in the stock market is also one of the best-known methods to get a return and make a fortune. Every one of us is dreaming of being the Wolf of Wall Street or Gordon Gecko. Nevertheless, the stock market is one of the most complicated and volatile markets in the world. You have to be very skillful with the fundamental and technical analysis to get the best out of it. Also, you have to be more than familiar with the financial statement of every company you invest in and to be prepared to ride the speculators’ wave, always searching for any underwater reefs. It is a daily hassle, 24 hours, five days a week.

Peer-to-peer platforms offer you a way more relaxed “working day” if we can put it that way. With the auto-invest function on the platform you can set up your preferred strategy, allowing the software behind the platform to keep all your funds invested in the loans you think will generate the most profitability and the only thing you have to do is to check your return on investment from time to time. Now you have the freedom to enjoy your life of a successful investor.

P2P investing vs. Real Еstate

From the dawn of time, the real estate market is a place that everybody wants to be in.  To lead the glamorous life a real estate mogul, just like President Trump, you know. But before you go into your dream trip in penthouse apartments in Central Park, New York, let me just stop you right there. Investing in real estate has one tedious little setback. And this is the size and liquidity of the market; you will always be constrained by the demand and supply side of the market. One day the market may not have enough buyers, and you may be stuck with an investment that you do not need, or the market may be short on the seller, and you will not be able to invest your funds and generate profit.

The situation in the p2p world is different. You have the necessary liquidity you need. The loan originators are listing hundreds of loans every day, so the supply side of the market is no brainer.  On the other hand, you always have the opportunity to sell you investment on the secondary market and get your return right away, without any time delay.

P2P investing vs. Bank Deposits

Putting your savings into a bank institution and waiting patiently for your annual return is one of the most popular and well-known methods to invest your free capital. Unfortunately, banks these days cannot answer to the demand from the customer for high returns, and that is causing significant discomfort for the regular person, who seeks to have a stable income over the years. Peer-to-peer investment platforms are addressing this painful problem right at the heart of it. Investing in p2p gives you the opportunity to generate up to 15% return yearly, which is a significant improvement over the standard profits from deposits.

All of the above is showing that our underdog has many advantages over the standard investment methods and this is no surprise. In the recent years, the p2p industry is showing tremendous growth with 3-digit growth rates and the trend is far from over. The financial revolution is here, and the only thing you have to do is join in.

What is Buy-back guarantee and how to control your investment risk

Blog, Strategies

When you choose a peer-to-peer lending platform where you want to invest, you should take into account two major factors – the return on investment and the undertaken risk for the invested capital. As we know, there is no investment without risk. Nevertheless, you can control your risk exposure with our buy-back guarantee. At the moment all loans listed on the platform are in the scope of this protection scheme.

Every loan you invest on the iuvo platform is listed by registered non-banking financial institution (originator) which the primary business function is credit lending.  It guarantees that every loan listed on the platforms was taken through a strict due diligence procedure reducing the risk of default to a minimum level. In the unlikely event of default, your investment risk is taken care of by our 100% buy-back guarantee. It means that the originator of the loan is obliged to pay back the invested sum to you. That way your net capital is fully protected by iuvo.

Buy-back guarantee is not the only way to manage your risk and take it to zero levels. You should create a rich portfolio of investments, allocating your capital between many loans. Differentiating the portfolio helps you to minimize the risk and even if one of the loan defaults, you will still generate profit from your other investments. Every loan on the iuvo platform has a credit rating indicating the default possibility. This way you can always take an informed decision when you invest your capital.

The combination of those two risk management tools minimizes the investment risk. You can check our originators and the loans they offer so you can start investing and generate high returns.

The big goal – financial independence

Blog

Is it possible to work for your money for the first half of your life and your money to work for you for the second half?

Sound financial literacy is crucial, not only for balanced finances in the present but for future stability that carries peace and perspectives with it.

It starts with learning basic concepts and rules which you can build upon on your way to the right money management and the big goal – financial independence.

Save money regularly

It seems obvious, but many do not follow that rule. You undoubtedly know people who manage to waste all they earn. However, if you’d like to invest and generate a return, you must learn to save money.

The instability of financial markets and economic turbulence that we witnessed in the past few decades made lots of people stop trusting the financial system and investments in particular.

Despite that, the truth is simple: if you want your money to work for you, firstly you have to have money. If you want to have money, saving must become a habit or a philosophy regardless of your earnings amount.

Make your money work for you

The intuitive decision on what to do with your savings is simple: save them in a bank account. The rational decision, however, is completely different. The annual profit that can be generated with these deposits is meager – about 1% (in some cases the banks offer even negative interest rates). The deflation observed in Bulgaria and Europe for the past years indicates there’s a possibility for interest rates to drop even more.

Then how can money work for you while remaining deposited in bank accounts? The answer is simple – they don’t.

For your money to work for you, you must generate return or if we have to word it differently – you must not just save them but also invest them.

Investments are not territory reserved for a few chosen ones, financial experts or gurus. Making investments is for anyone who is willing to improve their financial culture and ready to use the benefits it can bring.

This is how your balance would look if you saved and invested 150 Bulgarian Levs each month with 7% annual return for 10 years:


Plan your future

Think of your investments as a long path that you need to walk, however; you need to make the first step. Do not forget where you are going and what your final goal is: financial stability and independence. Often remind yourself this when you lose motivation, or your discipline weakens.

This exemplary table illustrates the potential that controls money well. If you start with 5 000 EUR and add 5 000 EUR each year, with a stable interest rate, the final results would look something like this:

Annually invested funds Annual return Funds after 10 years Funds after 20 years Funds after 40 years
5000 EUR 4% 69 832.98 EUR 165 801.62 EUR 518 137.78 EUR
5000 EUR 7% 83 753.75 EUR 238 674.31 EUR 1 142 920.14 EUR
5000 EUR 10% 100 624.55 EUR 348 650.00 EUR 2660 555.33 EUR

 

At first sight, the difference in the annual return seems minor. However, its reflection on long-term results is quite significant. If you start investing at the age of 35 with 5000 EUR yearly investment and a return of 7% annually, when you retire in 30 years (why not even earlier) you could easily have 543 426.48 EUR. Even if you withdraw yearly 4% of them while the rest of them continue generating a return, you would be able to add more than 20 000 EUR to the remainder of your earnings or pension.

If you manage your money correctly in the first half of your life, you can easily double your earnings in the second half of your life. Of course, there’s nothing secure and everything is possible. Investing is not a race, but rather a marathon that brings a reward worth the efforts. Start making your P2P investments with iuvo now!

3 myths about P2P investments

Blog

Myths guide us in every aspect of life and investments are not an exception. Check out the three P2P investment myths that may have restrained you from making your first investments or may have prevented you from obtaining the maximum return that this kind of investment provides.

Myth N°1

You have to start with a large sum

This deception can make any novice investor quit before he has even started investing. It disturbs plenty of investors that do not have to be millionaires in order to start investing their funds adequately and to obtain their return.

One of the great advantages of P2P platforms is exactly this – anyone can invest in them with a sum of their choice (the minimum investment threshold is defined individually by the platform)

In order to start investing in a single loan or a part of it at iuvo, you will need exactly 10 Bulgarian Levs or 10 Euros. This allows you to begin with smaller sums while familiarizing with the platform until you feel confident and calm enough when you are working with us and generating your return.

Myth N°2

These are investments that require specific knowledge and skills and you won’t be able to handle them

There’s nothing new or complex in the business model of peer-to-peer platforms. They connect investors with borrowers who look for funding. Iuvo works with originators, non-banking financial institutions with long-standing experience, which list on the platform the loans they have lent. Investors can view details of every loan and invest in it, if they want to.

These platforms are part of the fintech revolution, which completely altered the shape of financial services in the past few years and made them more accessible and flexible. That’s why investing in iuvo does not require any previous experience or a specific skillset. Of course, if you can obtain the maximum from the invested funds you will have to study the basics. You can read advice from top experts in the field here.

Myth N°3

P2P investments are strongly insecure

Every P2P platform is different and utilizes different mechanisms to guarantee stability and predictability for its investors.

One of the methods that iuvo uses is the buyback guarantee that we have for all of our loans. It guarantees that the principal amount invested in each loan that has been delayed over sixty days will be refunded.

Besides the buyback guarantee, originators keep a part of each loan for themselves that has been listed on the platform (i.e. the loan is not funded a hundred percent by the investors). That guarantees their engagement anytime throughout the entire process while the loan is being paid out.

P2P platforms are becoming a more popular and accessible method to make your money work for you. Depending on the risk profile, you may use them as alternative to a bank deposit while investing in low-risk loans with small but stable return, or to generate high annual return while building your portfolio with appropriate loans. Start investing today!

The funds invested via the platform are not deposits and therefore they are neither protected by the law, nor their return is guaranteed. The platform’s activity is not legislatively regulated by laws concerning investment brokers.

FinTech – hybrid between technology and financial services

Blog

A new financial-technological industry grows globally, and it’s called FinTech. FinTech is a hybrid form of finance and technology, and its emergence is predefined by the altered user requirements towards how they would like to perform various banking activities, such as paying, managing their funds and insurance. What is hidden between the lines of FinTech’s meaning? It’s a segment of the dynamic financial technologies, which are focused on proposing innovative products and services, traditionally perceived as a trademark of the authoritative financial institutions. According to The Pulse of Fintech, Q1 2016, research conducted by KPMG and CBinsights, the FinTech industry has doubled the size of its funding up to 12.2 billion dollars, whereas last year its funding calculated to 5.6 billion.

The research also states that due to the high levels of funding, the industry is developing at a higher pace. However, the new technologically-orientated industry carries an invocation for a change, not only towards the method banks manage their business, but also towards the remaining sectors, such as insurance and asset management. According to the research, FinTech will directly compete with up to 28% of the banks and their payment transactions business as well as with up to 22% of the asset management and insurance companies.

FinTech changes banks and the traditional methods of banking. With its arrival, Fintech initially focused on the traditional banking services. There are fully digitized banks and opening a bank account doesn’t require walking into their offices anymore, and everything is present online. Moreover, some of these banks offer interest rates on deposits much higher than the traditional financial institutions, at times reaching up to 4%, whereas interest rates nowadays are incredibly small. With the creation of unique platforms for lending from peer to another peer, e.g., peer-to-peer lending, clients and firms have started receiving and giving loans to each other.

These platforms turned towards different sources of information and lending models, as well as towards robust risk-evaluating systems to minimize their risk exposure. Also, P2P platforms are powerful instruments extremely oriented towards the specific needs of every user. They work at extremely low operating costs and that allows them to drop the price of loans. Both, borrowers, who have received loans with convenient terms, and lender-investors, who have received higher return rate are satisfied. An additional convenience is an easy and comprehensive process that does not require physical presence and queueing at the bank offices to fill and submit documents, saving valuable time to clients and users, which is a time waste. According to BI Intelligence’s data, last year P2P lending platforms in the US have listed loans that amount to 6.6 billion, which marks an annual increase of 128%.

FinTech changed the methods of money transferring. In regards to fund transfers, people are looking for two main components – instant and secure transfers and lower rates. The new FinTech industry provides exactly that, and at the moment it is picking its first fruits. Money transfers to and from abroad have never been easier and cheaper, and it all happens with a few touches on a smartphone.

Currently, the second wave of Fintech evolution within the financial industry is being observed, and it is being directed at the insurance companies and the asset management sector. Approximately 74% of the insurance companies are worried that FinTech will cause an imbalance in their industry within the next five years. According to BI Intelligence, 51% of the asset management organizations have expressed the same opinion. The good news is that deploying enough information for the tendencies and development of the financial industry, companies within the sector can respond adequately. Instead of being indifferent, leaders in various financial areas can join and utilize the new trends. One of the options is to cooperate with the already existing FinTech companies or to create new ones, which respond to the new customer needs.

How shared funding changes the world

Blog

We live in a world where we share everything. We share automobiles, offices, flats, and as of recently capital. The crowdfunding concept is not entirely new, although it has developed massively during the past years. Practically, for the first case of crowdfunding can be pinpointed the historical moment Paris donated the Liberty Statue to New York, but without foundation to place it on it. The citizens of New York decided to take actions, and after the newspapers published advertisements for collecting money, they build a foundation where to place the symbol of freedom. The advantage of such capital-generating practices goes beyond the transparent money collection. By accessing new investors, the popularity of products and services increases and that’s how the project gets evaluated by the users real-time.

What is shared funding/crowdfunding? Crowdfunding is the method of financing a project or initiative by collecting relatively small amounts of funds from large groups of people. Nowadays this is achieved by specialized internet platforms, but it can be attained by employing other untraditional methods, for example, by organizing special events or even e-mails. There are two main types of crowdfunding. The primary one is based on ‘award for funding,’ where users fund the specific initiative, and in return, they receive specific products or services (this method is employed by popular platforms like Kickstarter).

The other method is funding and receiving a part of the capital in return (shares). The crowdfunding industry is quite new in Europe. Even though we are using contemporary terms like “crowdfunding” and “shared investments,” they still do not hold a clear and definitive meaning, as well as a legislative regulation. Despite that, the industry of alternative funding is developing at a breakneck pace.

Thanks to this industry, plenty of good ideas receive publicity and access to more significant capitals when necessary. The success of a project that is being evaluated by the public depends predominantly on how much its creator believes in his or her idea. It also depends to what extent it is inclined to stand up in front of the major audience and stand for its views while overcoming its many difficulties and answer the criticism.

Being placed in the middle of a tremendous competition, only the excellent products and ideas that are presented well to investors and with complete concept on future development are the ones that succeed. The crowd itself can distinguish accurately the right projects that will reach peaks.

The audience also has a strong sense for self-regulation by swiftly uncovering and punishing ‘fraudsters’ and ‘unfair’ ones among them. Crowdfunding gives funders access to plenty of different ideas, including new opportunities from the developing markets. Any entrepreneur will try to convince people with capital that his or her idea is the best and that it holds great potential. Entrepreneurs are aware that if they would like to their project to succeed, they must be good at convincing.

Peer-to-peer is the most popular type of crowdfunding. How did it come to life? After the culmination of the financial crisis in 2008, borrowers began looking out for access to loans with lower interest rates. On the other hand, lenders were looking for a higher return rate of their investments.

Meanwhile, due to the strict regulations, banks faced significant difficulties to meet the increasing demands of the market. Thiconducted a substantial vacuum for lending that P2P platforms managed to fulfill.

On the one hand, this allowed for borrowers to obtain cheaper loans. On the contrary, it provided an opportunity for funders to earn more for their capital. These platforms work as a mediator for both ends where on one side are lenders or investors, and on the other are the borrowers or the people looking for funding for their projects or goals. The P2P lending industry marked a vast increase, particularly in developed countries with advanced financial markets. These platforms have lent 6.6 billion loans with an increase of 128% in the USA alone for the past year.

It makes the USA the largest market in the world regarding its volume. The trend of developing alternative online funding did not miss Europe. According to latest market researches, the undoubtable leader of the lending volume is the United Kingdom, followed by France, Germany, Switzerland, and Netherlands.

 

What is peer-to-peer lending and why it’s so attractive

Blog

The alternative financing is becoming more and more popular on the global financial stage. At the same time, it is gating significant traction in Europe as well. Alternative financing may have many forms, but the most popular and with the most prominent stake is the peer-to-peer lending.

What is peer-to-peer lending?

Peer-to-peer lending is the practice to borrow funds through an online platform, which connect you directly with individual lenders or investors as many platforms refer to their lenders. The companies offering such loans are operation entirely online, with lower operational costs in comparison with traditional financial institutions. It allows borrows to have more flexible interest on their loans and allows the investors to have more attractive returns.

On the other hand, the p2p lending companies get for being an intermediary between borrowers and lenders a percentage of every funded loan through the platform. It’s their primary job. The most of those loans are not secure with collaterals and are issued to fund business operations.

The lenders determine the interest on the issued loans in many cases on reverse auctions basis or biding for the lowest interest offered. Another way to fund the credits is with fixed interest, based on the individual credit rating of the borrower. Some platforms to mitigate the risk of “bad loans” offer to their lenders to decide whether to fund a particular borrower or nor to do it.

How was peer-to-peer lending born?

After the financial crises of 2008 many borrowers started to seek access to loans with lower interest rates and more flexible conditions. On the other hand, investors began to look for a better return on their investments. The banks were in tough economic conditions and were unable to answer the demands of the customers. It created a severe gap in the lending industry., which was filled by the p2p lending platforms. Those platforms have the advantage of a minor regulatory frame, allowing them to be more flexible than their bigger rivals from the traditional lending industry. In the recent years, the peer-to-peer lending industry has gained significant traction and growth in the well-developed countries with active financial markets.

In the US though peer-to-peer lending platforms were funded more than 6,6 Billion Dollars in loans or a growth of 128% in the past year. The country is the biggest market in volume, according to research conducted by BIntelligence. In regards to an individual loan issued UK is surpassing the US, with 78%. Many researchers believe the Europe is the next market that will have a significant growth surge.

Alternative finance markets in Europe has reached nearly 3 Billion EUR in 2014, which is 144% yearly growth, according to Business Insider. In France, for example, the relevantly small p2p lending market has grown by 4000% in the past year, to 8.2 million euros. The peer-to-peer lending is getting traction in Germany, Sweden, and Netherlands.

What is the process in peer-to-peer lending?

The customer applies for a loan on the website of the selected platform. The platform determines his/hers “credit rating” and its solvency. If approved, the platform sett ups the conditions, including the interest rate. The platform presents the borrower’s profile to potential investors whose requirements are covered by the borrower. An investor or group of investors agree to provide all or part of the amount requested by the borrower. A third party, a partner bank, effectively issues the actual amount and supplied to the borrower, which removes the legal obstacles associated with mandatory provisioning requirements.

Investors give the platform funds to buy it from the bank. The borrower pays to the platform the due amounts, which are returned to the investors respectively. It should be clear that P2P lending platforms are only intermediaries in linking the interests of creditors and borrowers. They do not carry any risk associated with bad credit and thus manage to maintain low operating costs and therefore provide more favorable interest rates.

Where the ‘smart money’ goes

Blog

 

Ivaylo Ivanov, Operations Director at iuvo, sat with ‘Manager’ magazine and talked ‘smart money,’ iuvo and the future of peer-to-peer investments.

Mr. Ivanov, what kind of financial technology stands behind iuvo?

Iuvo is a platform for online shared investments (peer-to-peer) that allows users to buy loan parts lent by registered non-banking financial institutions (loan originators). We give our investors the opportunity to realize a high return, whereas our originators get the chance to use the benefits of the P2P model to further develop their business.

After a long cultivation of the business model and technical development of iuvo, we launched the project in July 2016. Just four months after its official start we managed to attract over 650 users from two continents and more than 600 thousand EUR investments.

P2P is part of the global trend of sharing economy, which created the online platform business model of companies like Kickstarter, Uber, and Airbnb. They connect people who have resources that are in demand (money, automobiles, homes, etc.) with people who need it.

The global economy that is in a cycle of excessive liquidity and low-interest rates on bank deposits contributed to forcing ‘smart money’ to look for alternative forms of investment that bring high return – iuvo offers exactly this.

What educational background and preliminary preparation are necessary to use the platform?

Iuvo works in an extremely simplified way. Users buy parts of loans and get returns corresponding with the investment size and interest rate of the relevant loan. Payments are being made according to the loan’s repayment schedule. If the loan is delayed over 60 days, the originator will buy back the investments and will refund 100% of the sum to the user. All loan details are indicated on the platform. Iuvo is a tool for contemporary people who want to improve their financial culture and let their money work for them.

What kind of return can be earned and what does the net profit depend on?

It depends on the individual portfolio of bought loans at iuvo. Currently, the annual interest on loans with different class grades on the market is between 5 and 12%, whereas a balanced portfolio may generate our users an annual return of 7-10%. The first investment principle and our primary advice for our users is to allocate their funds between a maximum number of various positions, to diversify their portfolio as much as possible and to ensure their return.

Is crowdfunding expected to boom in 2017 or is the average Bulgarian going to remain precautious toward the alternative financial tools?

The business of crowdfunding platforms in Europe grew by three-digit percentages for the past 5 years, and there was no way for Bulgaria to remain isolated. However, our focus is not only on the Bulgarian and Estonian markets. We have planned a launch in 10 European markets for 2017, as well as adding at least 5 new originators to ensure a wider diversity of loans. In the long run, we would like to turn iuvo into one of the top five leading peer-to-peer platforms for investments in Europe.

 

Source: ‘Manager’ magazine (December 2016)

 

News

iCredit – our third originator on the platform

Blog, News

We are delighted to announce that iCredit Romania will join our platform as a third originator. With the other two originators, iCredit will allow us to diversify further our loan portfolio adding more lucidity on the platform and giving more investment opportunities for our clients.

The total loan portfolio iCredit is estimated to be around 18M EUR. The company has loans between 400 – 6000 RON (85 -1300 EUR) from its main products – consumer loans, staff loans and pension loans. The maturity of the loans is between 3 and 15 months depending on the product. iCredit is obliged to retain 30% of the sum of every listed credit, mitigating the risk for investors. All loans are coming with 100% buy-back guarantee. Investors will be able to invest in credits in Euro and Romanian Leu. The average return on the iCredit portfolio is 12%, the maximum return investors can expect is 14,88%.

iCredit is operational since 2011 in Romania, and three years later it starts to operate in Poland as well. As to 2017, the number of offices in Romania and Poland exceeds 130 in more than 105 cities, and the employees of the company are around 1700. iCredit is a leading employer in the financial sector in Romania.

The success of the companies lies in its core principle to offer financial independence to all its customers.

The full financial statements for 2016 of the company can be found here.

Register now and take a look the listed portfolio of iCredit and start investing.

Refer-a-friend program vol.2

Blog, News

We have the pleasure to announce that we will be restarting our Refer-a-friend program as of 05.10 2017. If you are an investor with iuvo and you refer a friend to join our platform both of you get a bonus of 30 EUR in your accounts.

Three easy steps to join the program!

Step 1. Register and make a deposit, if you have not already done it.
You can participate in the Refer-a-Friend Program if you have an account and investments of at least 1000 EUR.

Step 2. Fill in the Forms to let us know the friends you want to refer.
The Referred party (your friend) must Register and invest at least 1000 EUR.

Step3. Check your iuvo account for the bonus.
The bonus of 30 EUR (depending on the currency of your last deposit) will be added to your (and your friend’s) accounts within two working days.

Furthermore, if your referred friend increases in the next two month after the registration the invested sum up to 2500 EUR, both of you will receive a bonus of 60 EUR in your iuvo accounts.

Full Terms and Conditions of the Program can be found here!

Iuvo is regulated credit intermediary in Estonia

Blog, News

We are proud to announce that iuvo has been granted a credit intermediary license by the Estonian Financial Supervision Authority (FSA). The license will allow us to make the next steps in our development — not only to give investors the opportunity to invest but to allow borrowers to get loans directly from the p2p lending platform.

The FSA is regulating the financial sector in Estonia — banks, insurance companies, investment and credit intermediaries, pension funds, etc. The decision to grant a credit license to the company was based on our great due diligence with legal requirements in Estonia.

“We are delighted and proud with the given trust from the Estonian regulator. It validates our business model once more and allows us to continue our development in new directions. The license will give us the opportunity to add more services in our portfolio. The next step is to be able to issue loans directly to borrowers or in partnership with our originators. Now, the options for iuvo are limitless.”, said Ivaylo Ivanov CEO of iuvo.

Since August 2016, more than 2000 investors from 57 countries gave their trust to the platform and invested more than 4M EUR with an annual return up to 15%.

It is not without a reason why we decided to register iuvo in Estonia — a country with one of the most advanced and developed p2p lending markets. In the past years, Estonia is recognized as one of the countries with high penetration of internet technologies. All the above makes Estonia a state with one of the best regulatory practices in the p2p lending market. All companies comply with the best practices in the industry and the rules that guarantee the clients accurate information when investing.

More than 3M EUR invested through iuvo in one year

Blog, News

Last month the p2p lending platform iuvo had its first anniversary. We I launched in 2016, and for that short period, we were able to secure more than 3 000 000 EUR in investments and 1800 investors. One of the main achievements of the past year was that the company was able to offer to all its investors up to 15% annual returns, which makes the platform one of the top choices in the p2p lending industry.

At the present moment, we are working with two of the top originators in Bulgaria (Easy Credit and Viva Credit). We expect new originators to list their loans on the platform by the end of 2017. Iuvo is partnering with some of the most innovative and successful companies in Europe. That is a great recognition of the potential of the p2p lending industry.

“We are witnessing an impressive growth in the past year, in which we were able to educate the market and the customers that p2p lending is a secure and profitable, alternative financial instrument. I believe that we can present what is the future of the financial sector and how the new business model of p2p lending can work and bring benefit to all”, comments Ivaylo Ivanov, CEO of the company.

In the past year, Ivanov took part of many financial events and forums. He also gave interviews for a couple of economic televisions in Bulgaria. In June iuvo became part of Finance Estonia, where many fin-tech companies, banks, and other p2p platforms are also participating.

“Our future goal is to become one of the most innovative and thriving p2p lending platforms in Europe and to gain the trust of more and more investors and originators. In September I will be participating in one of the most relevant industry forums in Athens, where many important issues will be discussed”, comments Ivanov.

Iuvo becomes part of FinanceEstonia

News

We are pleased to announce that we are the newest member of FinanceEstonia after the organization decided to make us part of the group. In FinanceEstonia participate fin-tech companies, banks, p2p platforms.

FinanceEstonia is an organization working in the public and private finance sector to support the Estonian economy. It actively supports the internationalization of the financial sector, the innovations, capital increase, etc.

FinanceEstonia aims to raise awareness of the benefits of the financial sector in Estonia in two main areas: capital markets and the export of services. It actively works in six other priority niches: financial markets, crowdfunding, credit providers, financial technology, investment services and international private banking.

Iuvo became a member of FinanceEstonia on the “Crowdfunding” section. Each member company in this niche strictly adheres to “Best Practices for Shared Financing.” At the core of the practices is the “Observe or Explain” principle. According to him, every platform in FinanceEstonia is committed to “Observe” the prescribed practices and to “Explain” publicly if it deviates from them.
Best Practices for Shared Finance are summarized in Eleven Core Points that we observe and apply as a member of FinanceEstonia.

1. Investors’ Funds – Each platform, without exception, is required to keep the funds of investors separately from other assets and to provide timely information to investors on each investor.

2. Data Protection – The collection of personal data must be following all legal requirements. The platform should provide complete information on these processes to all users on its website.

3. Compliance with Measures to Prevent Money Laundering and the Application of International Standards and Rules – The Platform applies appropriate steps to identify its users and prevent money laundering.

4. Quality of Information and Communication – The Supplier undertakes to provide correct and unambiguous information to all its users. Otherwise, it is obliged to return the funds to the investors.

5. Risk warnings – The platform must provide its users with full information about all possible risks in a public place so that each investor depends on his / her economic situation and consult with the relevant specialist before deciding to invest.

6. Consumer protection and advertising – When offering its services, the platform must comply with the relevant legal acts, invite its users to familiarize themselves with the general conditions, the messages are correct and true, etc.

7. Avoiding Conflicts of Interest – The Provider is required to treat all of its users equally, to identify potential conflicts of interest and to provide sufficient information on its site for their resolution and prevention.

8. Sustainable development – The platform is required to develop emergency plans. For example, a Priority Communication Plan that would help with a technical, legal, or financial risk to the platform. The goal is to prevent an adverse impact on the platform and its users.

9. Accountability – Within two calendar months after the end of each calendar year, the provider is required to provide a review of economic performance on its website.

10. Dispute Resolution – The Provider provides on its website an annual overview of the complaints lodged against it, the measures were taken and the results of its examination.

11. Joining and Matching Best Practices – If a platform joins “Best Practices,” FinanceEstonia issues a certificate that it can use on its website and in its marketing materials. Finance Estonia verifies compliance with the practices and issues a new certificate every year.

FinanceEstonia is an international organization and for our entire team membership is a recognition of a well-done job. With satisfaction, we will continue to follow good practices in shared funding and set ourselves ever higher goals.
Iuvo is now alongside members like Deloitte Advisory AS. The company unites companies from around the world to provide quality services in financial consulting, risk management, taxes, and more. Deloitte Clients are mainly businesses in the fields of banking, insurance, manufacturing, infrastructure, energy, real estate, services, wholesale and retail, as well as the public sector.

Another member of the “Crowdfunding” section is Ernst & Young Baltic AS, the world leader in insurance, tax and advisory services. With a team of over 167,000 people, Ernst & Young Baltic’s goal is to inspire and give the right guidance to its customers.

In 2016, Platforms such as Bondora, Crowdestate, Estateguru, Fundwise and Investly Holding have also been awarded Best Practices in Shared Finance.

Refer-a-friend program

Blog, News

We, at iuvo, have the pleasure to present to you our Refer-a-friend program. If you are an investor with iuvo and you refer a friend to join our platform both of you get a bonus of 50 BGN / 25 EUR in your accounts.

Three easy steps to join the program!

Step 1. Register and make a deposit, if you have not already done one.
You can participate in the Refer-a-Friend Program if you have an account and investments of at least 100 BGN or 50 EUR.

Step 2. Fill in the Forms to let us know the friends you want to refer.
The Referred party (your friend) must Register, have their account verified and invest at least 100 BGN or 50 EUR.

Step3. Check your iuvo account for the bonus.
The bonus of 50 BGN or 25 EUR (depending on the currency of your last deposit) will be added to your (and your friend’s) accounts within two working days.

Full Terms and Conditions of the Program can be found here!

Thank you for being part of iuvo. In the recent months, we are making huge leaps forward and have been achieving steady growth. Our success would be impossible without you – our investors.

What’s new at iuvo

News

We at iuvo strive to ensure comfort, security and flawless user experience to all our investors.  This is the main reason why we continuously improve everything connected with iuvo, including our platform.

In March, we introduced a couple of new features, which will make investing and managing your account much easier and intuitive. Let’s dive into some of them in this blog post.

  • Cart – When you select the loans in which you would like to invest in you can add them to a “Cart”. It is a great feature which enables you to manage and add additional loans before your final approval.
  • Loan details pop-up window – On click, every signle loan now opens in a new window on the same page. For more convenience, we also added a quick “Invest” button in the pop-up.

The main goal of the new platform features is to deliver flawless experience and comfort when you use them.

How they work and why they are useful?

  • Cart

The cart is a proven useful feature for the primary market, that can help you manage your investments.

When you choose a loan to invest in and the sum you would like to invest, your selection of loans will go into the “Cart”. You can add loans multiple times and set different investment criteria using variety of filter combinations. All investments will be saved in your “Cart” and sorted by currency. Even if you log out from the platform your investment will continue to be saved in your “Cart” and you will be able invest in them on a later moment.

The “Cart” also gives you the opportunity to manage your investments. You can increase or decrease the investment amount, you can add or remove loans and you can sort them by currency.

A good strategy would be to save in your cart loans in which you are interested as investment opportunities and then periodically check their status to decide if you would like to invest in them. Keep in mind that when you add loans in your investment cart it does not mean that you are reserving the investment amount. Other investors will be able to invest in a loan that you’ve put in your cart.

  • Loan details pop-up window

When you want to check the loan details (Borrower and Collateral, Payment Schedule and Investment Breakdown) by clicking on Loan ID, the details will appear in a pop up window. The option is very useful for investors who prefer to use Filters as the pop up helps in selecting the appropriate credits and in choosing those that best suit investor preferences. Borrower and Collateral, Payment Schedule and Investment Breakdown is information which defines each investor’s strategy and the quick access to it will help you to effectively considerate and compare loans. Moreover, the Invest button within the pop up window will help you to invest quickly and will shorten the required steps on the investor’s end.

  • New indication

To help you in your investor journey we have also added a new indication in the form of a blue dot next to the “Invest” button on our primary and secondary markets. The blue dot indicates that you have invested in this particular loan. The indication helps you identify quickly your investments and you do not need to set additional filters or check “My investments” to find the loans in which you’ve invested. Regular servicing of the loan and good profitability are some of the main reasons to invest again in the same loan. The new indication makes this possible without prior examination of all loans.

The new features at iuvo give you more detailed and quick access to all loans on the platform. They optimize the investing process and create more opportunities for short-term investment planning.

To view the new features and generate a return of up to 15%, register now!

The funds invested via the platform are not deposits and therefore they are neither protected by the law, nor their return is guaranteed. The platform’s activity is not legislatively regulated by laws concerning investment brokers.

New originator in iuvo

News

We are happy to inform you that Viva Credit, one of the most popular non-banking financial institutions in Bulgaria, has joined iuvo. The company has been operating on the Bulgarian market since 2012.

On the first stage, Viva Credit will list on the platform loans of its portfolio up to the amount of BGN 1,500 and which are not collateralized, and it will subsequently start listing loans secured by mortgages as well. The company will be required to retain at least 30% of the amount of each loan listed on iuvo.

Viva Credit is specialized in small loans, and its speed and convenience provided in applying for and utilization of its products are among the most serious market advantages of the company. Customers may apply for the products online, by telephone or in any of the 60 offices of the company within the country, and they may choose how to utilize their money – online, by bank transfer, in an office or at a cash desk of Easy Pay or Fast Pay, or in any office of the partners of Viva Credit.

Our decision to start working with iuvo is crucial in the history of the company’s development and it happens on the eve of our fifth anniversary as a financial institution in the country. Our plans are to gradually enrich the loan portfolio, which will list on iuvo, starting from small consumer loans to loans for a greater amount secured by a mortgage. We believe that with this innovative step we will be able to contribute to the expansion of our business model, as well as the provision of a variety of products and services to our customers,’ said Desislava Dimitrova, Executive Director of Viva Credit.

 

Financial data for 2015:

(In EUR thousand)
Net interest income 3 806
Net profit 618
Total assets 3 148
Loans granted to customers 7 587

The full financial statements for 2015 of the company can be found here.

Register now and see the credits of Viva Credit in which you can invest!

Easy Credit – First originator in iuvo

News

Easy Credit is the biggest fast-lending company in Bulgaria. It was created in 2005 and for more than 10 years it has proved as an indisputable leader in personal lending.
Since its launching the company has allocated more than 1M to 500K users. The company clients are with different social status and origin and use Easy Credit products for various purposes – payment bills, repairs, medical expenses, vacations etc.
A characteristic distinction of the company is the personal approach of the lending. The core of its business is more than 6,000 credit consultants who visit customers where and when convenient, shortening the distance between the company and the people and creating personal and long-lasting relationships.

Part of the company’s financial results for 2015:

EURO
Annual turnover 38 860
Profit before tax 4 943
Total assets/em> 37 670
Total assets 30 272
Retained earnings 17 306

 

The company offers buyback guarantee for each credit listed to the platform and it is obligated to redeem the credits which entered more than 60 days delayed.
Easy Credit, as any other originator on the platform, is required to keep at least 30% of the value of each credit, the so called “skin in the game”. This ensures that the interests of both investors and originators are always the same.

Say ‘hello’ to iuvo

News

Iuvo is one of the latest peer-to-peer investment platforms in Europe. We are based in Estonia, and we launched in August 2016.

Since we managed to generate investments worth approximately 1 000 000 EUR for six months, we continue to develop while focusing on what we always considered essential for us: strong security and high return on investments.

At iuvo investors will discover an opportunity to diversify their portfolio of loans with an annual return up to 12% provided by the biggest Bulgarian originator – Easy Credit.

At the moment all loans on the platform have buyback guarantee, whereas the whole investment process is extremely simplified with our auto invest tool.

A few new originators are about to be added to the platform and to implement new features that will make the investment process easier and quicker.

Register now, generate a high return and be the first to discover new features on the platform!

Iuvo’s ‘Auto Invest’ feature is now active

News, Tutorials

Iuvo has launched a new function that aims to make investments on a large scale easier and reliable. It is suitable for investors who do not have enough time to manually select each loan they’d like to invest in and to exert precise control over the way their funds are invested.

Our new feature allows users to create custom filters and invests their funds in loans according to their criteria automatically.

The ‘Auto Invest’ feature allows the allocation and minimization of risk by selecting specific criteria for your preferred loans: risk rating, repayment term, installment type, number of remaining payments and much more.

Apart from selecting specific criteria for loans, in each of your Auto Invest portfolios, you can set the maximum overall investment sum that cannot be exceeded and additionally set the maximum amount you’d like to invest in each single loan. It assures that your funds will be spread efficiently without any manual work.

The portfolio can consist of hundreds, even thousands of loans and the returns are being automatically reinvested, which eliminates “cash drag” and maximizes your profits.

The feature can be activated/deactivated at any time, and you can also set a minimum amount that you want to always have available in your account so that the Auto Invest never goes over this limit.

The automated investment does not interfere with the manual investing in any way – you can use both options in your investment strategy. There is a video coming soon on our website where we will demonstrate step-by-step how to work with our Auto Invest feature.

 

Tutorials

Depositing and Withdrawing Funds

Blog, Tutorials

At iuvo, we pay utmost attention to the convenience of our users and always make sure that each step of the investment process is quick and easy. This is also true for the depositing and withdrawing of funds. We`ve made the processes intuitive and easy to follow, but with this article, we`d like to make sure that everything is clear and guide you through the specifics of the process.

Making a Deposit

Making a deposit is an easy process, but there are some things you need to consider depending on the currency you`d like to deposit in and other variables concerning your bank account.

Currently, deposits can be made in EUR, BGN, and RON, so you need to decide which one works best for you as you won`t be able to change it later on.

To make a deposit first, you need to click on the “Add Funds” button, located conveniently in the upper right corner of your “Dashboard” page. After that the corresponding steps are explicitly listed, explaining in detail exactly what you need to do.

Depositing Specifics

The general deposit method for funds in EUR and BGN is via a bank transfer to one of our accounts at Allianz or Swedbank

The types of bank transfer that can be used are the following:

– Inter-bank transfer

– Intra-bank transfer (if you have an account at the corresponding bank)

– Depositing location at a bank branch

It is important to note that bank taxes may be on the higher side when depositing EUR and furthermore, some banks might have additional fees for incoming deposits.

If you`d like your account to be in a currency different than EUR or BGN you have to use an external service. All details regarding this step are listed in the “Add Funds” page. Also, have in mind that to start investing you`ll have to verify your account by uploading a copy of an identification document.

If you are planning to deposit RON you should consider the following:

Thanks to our partnership with the Romanian originator iCredit, we are now also able to provide excellent investment opportunities in RON. For that purpose, any user who wants to deposit RON must add funds by using an external service instead of bank transfer.

For that purpose, we recommend using Pay Sera, an efficient, low-cost service which enables you to make payments in different currencies. Creating an account is very easy and takes no time at all. We recommend the service even if you want to deposit EUR or BGN, but it`s also useful for making all sorts of payments.

When depositing RON via Pay Sera, you should state “IUVO” as the basis for making the payment and also provide the following information:

IUVO Investment Number: – EVP6210002572095

ID: XXXX (Provide your account number here)

Other similar services which you can use, and we recommend are Transferwise, Revolut, and Currencyfair. The benefit of depositing using such a method is that you avoid the high taxes related to bank transfers. Furthermore, once you have an account at one of the abovementioned services you can deposit funds anytime, at your convenience.

It is a general requirement for any investor to provide a bank account of his own and for that reason, certain verification is required. Any user who wishes to deposit funds using a non-bank transfer should provide the appropriate documentation, proving that he is the actual owner of a personal bank account.

Such documentation can be either of the following, as long as your name and IBAN are visible:

– Bank statement

– Payment order

– E-Banking Screenshot

To upload a verification document, you should go to the profile menu, click on the “Documents” button, located in the upper left corner and attach the necessary documents.

After completing the depositing procedure, you should receive an e-mail signaling that funds have been added to your account. All you need to do after that is verify your account, and you`re all set to start investing.

Withdrawing Funds

Withdrawing funds is an essential process associated with investment, and it can even be said that it is the final goal of the process. Compared to making a deposit, withdrawing is a lot simpler and can be done at any point in time for any funds that are not currently invested in loans.

To make a withdrawal, you simply need to go to the “Dashboard” page and click on the “Withdraw” button located in the upper right corner, right next to the “Add Funds” button. There you need to fill in the required information and submit the request.

Note that to be able to withdraw funds you will have to verify your address by providing an appropriate document such as a utility bill.

All other details regarding the withdrawing of funds, such as withdrawal amounts, fees and processing time are fully described in the dedicated FAQ section.

In case you have any additional questions please take a look at the FAQ or send us a message: [email protected]

Secondary market and the benefits it carries

Strategies, Tutorials

What is the secondary market exactly?

The secondary market is the place where investors can buy or sell parts of loans from and to other investors on the platform. The main advantage of this kind of trade is that it gives investors the opportunity to liquidate their investments. Other benefits from trading on the secondary market are:

– Opportunity to obtain return faster than the corresponding repayment schedule.

–  Opportunity to generate even higher return if they manage to sell their investments for a higher price than the nominal one (premium price) or to buy at a cost lower than the nominal (discount price)

– Opportunity to invest in loans that are not available on the primary market

Buying loans at iuvo’s secondary market

Iuvo offers a secondary market to all its investors. Once you log into your profile, you can access the secondary market via the ‘Invest’ menu and by selecting the ‘Secondary market’ tab.

Use filters to view only loans that respond to your specific requirements or check out every credit listed on the secondary market and its features from the list under the filters.

Every loan has an ‘Invest’ button, and after clicking for one or more loans, you can pick the sum you want to invest, and you can confirm with the ‘Invest in selected’ button. That’s how the loans become a part of your portfolio, and they start generating a return for you.

Selling loans on iuvo’s secondary market

Every investor can list for sale loans or parts of loans from their portfolio on the secondary market.

In the ‘Invest’ menu, the ‘My investments’ tab shows all the loans you have invested in.

With the button ‘Sell’ and confirmation you can offer each of your loans for sale on the secondary market, whereas you fix the price you’d like to sell it for. It can be higher (premium price) or lower (discount rate) than the nominal.

Trading on the secondary market is a method that can seriously increase the return on your investments. The opportunity for quick liquidity is significant for investors, especially when it comes to investments in long-term loans. It turns the secondary market into an important tool, which can increase the maximum return on your investments.

Video tutorial 1 – Investing in Primary Market

Tutorials

This short video will introduce all of the processes step by step when buying a loan.

It explains all that you will need to do on the platform – from logging onto the platform to successfully investing in your first loan!

New videos are coming soon on auto invest, buying and selling loans on secondary market, iuvo’s new features and many more.

Iuvo’s ‘Auto Invest’ feature is now active

News, Tutorials

Iuvo has launched a new function that aims to make investments on a large scale easier and reliable. It is suitable for investors who do not have enough time to manually select each loan they’d like to invest in and to exert precise control over the way their funds are invested.

Our new feature allows users to create custom filters and invests their funds in loans according to their criteria automatically.

The ‘Auto Invest’ feature allows the allocation and minimization of risk by selecting specific criteria for your preferred loans: risk rating, repayment term, installment type, number of remaining payments and much more.

Apart from selecting specific criteria for loans, in each of your Auto Invest portfolios, you can set the maximum overall investment sum that cannot be exceeded and additionally set the maximum amount you’d like to invest in each single loan. It assures that your funds will be spread efficiently without any manual work.

The portfolio can consist of hundreds, even thousands of loans and the returns are being automatically reinvested, which eliminates “cash drag” and maximizes your profits.

The feature can be activated/deactivated at any time, and you can also set a minimum amount that you want to always have available in your account so that the Auto Invest never goes over this limit.

The automated investment does not interfere with the manual investing in any way – you can use both options in your investment strategy. There is a video coming soon on our website where we will demonstrate step-by-step how to work with our Auto Invest feature.

 

Strategies

How to create an action plan for p2p investing

Blog, Strategies

Our investors’ satisfaction has always been the top priority of iuvo. All improvements that we make on a daily basis are based on the feedback and experience of our clients on the platform.

Our development team is processing and classifying all of the received recommendations and comments. The frequently asked questions are ‘How much will I earn?’, ‘Would the profit be enough for the spent time and money?’, ‘The risk is low but getting out of investment takes time.’, ‘How can I calculate my profitability?’. We will give you answers to those questions by making an action plan for p2p investing and put the specific ultimate goal.

Make a plan for action!

Accurate, reliable and timely information is essential for making an action plan. If you are already familiar with the P2P lending, you can get acquainted with our profitability, guarantees, taxes, average deposit, how to get out of investment, etc. If you’re just getting into the P2P investments world, it will be helpful to read our blog postshow iuvo operates, what are the returns, risks, etc.

Set Up Conditions!

Before start investing you need to define your criteria and budget for all of the strategies and functionalities, you want to test. Iuvo offers two options for investing – Auto Invest and Manual Investing.

When implementing strategies or using different functionalities, set them a budget and approximately the same conditions to be easier for you to measure the results. When planning, it is important to set a preliminary period, after which you will review the achievements. Then select credits which match to the set time.

Ultimate goal!

The ultimate goal is high profitability. You can earn an annual return of up to 15% on your investments. To select the most convenient and appropriate way to invest your funds, take a look at our Auto invest and Strategies materials.

Apply – Invest!

No matter if you decide to invest manually or automatically you can add filters to your criteria – terms (number of installments), credit status – current/delay, rating class, etc. Stick to you pre-made plan. Changing the plan will affect the results, therefore make sure you will apply the changes when measuring the outcome.

Evaluate – Balance time!

The most enjoyable part of the whole process is getting the profitability. Use the account options for analyzing your achievements – extract the data from ‘My Investments’ and ‘Account Statements.’

Difference between the action plan and the realized return?

Make sure you have included all the changes to the results calculations – different taxes which you pay or receive, premium/discount of the secondary market, withdraw or add funds, etc.

Make your plan and become a part of iuvo!

What is Buy-back guarantee and how to control your investment risk

Blog, Strategies

When you choose a peer-to-peer lending platform where you want to invest, you should take into account two major factors – the return on investment and the undertaken risk for the invested capital. As we know, there is no investment without risk. Nevertheless, you can control your risk exposure with our buy-back guarantee. At the moment all loans listed on the platform are in the scope of this protection scheme.

Every loan you invest on the iuvo platform is listed by registered non-banking financial institution (originator) which the primary business function is credit lending.  It guarantees that every loan listed on the platforms was taken through a strict due diligence procedure reducing the risk of default to a minimum level. In the unlikely event of default, your investment risk is taken care of by our 100% buy-back guarantee. It means that the originator of the loan is obliged to pay back the invested sum to you. That way your net capital is fully protected by iuvo.

Buy-back guarantee is not the only way to manage your risk and take it to zero levels. You should create a rich portfolio of investments, allocating your capital between many loans. Differentiating the portfolio helps you to minimize the risk and even if one of the loan defaults, you will still generate profit from your other investments. Every loan on the iuvo platform has a credit rating indicating the default possibility. This way you can always take an informed decision when you invest your capital.

The combination of those two risk management tools minimizes the investment risk. You can check our originators and the loans they offer so you can start investing and generate high returns.

Secondary market and the benefits it carries

Strategies, Tutorials

What is the secondary market exactly?

The secondary market is the place where investors can buy or sell parts of loans from and to other investors on the platform. The main advantage of this kind of trade is that it gives investors the opportunity to liquidate their investments. Other benefits from trading on the secondary market are:

– Opportunity to obtain return faster than the corresponding repayment schedule.

–  Opportunity to generate even higher return if they manage to sell their investments for a higher price than the nominal one (premium price) or to buy at a cost lower than the nominal (discount price)

– Opportunity to invest in loans that are not available on the primary market

Buying loans at iuvo’s secondary market

Iuvo offers a secondary market to all its investors. Once you log into your profile, you can access the secondary market via the ‘Invest’ menu and by selecting the ‘Secondary market’ tab.

Use filters to view only loans that respond to your specific requirements or check out every credit listed on the secondary market and its features from the list under the filters.

Every loan has an ‘Invest’ button, and after clicking for one or more loans, you can pick the sum you want to invest, and you can confirm with the ‘Invest in selected’ button. That’s how the loans become a part of your portfolio, and they start generating a return for you.

Selling loans on iuvo’s secondary market

Every investor can list for sale loans or parts of loans from their portfolio on the secondary market.

In the ‘Invest’ menu, the ‘My investments’ tab shows all the loans you have invested in.

With the button ‘Sell’ and confirmation you can offer each of your loans for sale on the secondary market, whereas you fix the price you’d like to sell it for. It can be higher (premium price) or lower (discount rate) than the nominal.

Trading on the secondary market is a method that can seriously increase the return on your investments. The opportunity for quick liquidity is significant for investors, especially when it comes to investments in long-term loans. It turns the secondary market into an important tool, which can increase the maximum return on your investments.

How much should I invest in p2p lending platform?

Strategies

Regardless of whether you are an experienced investor or just a beginner in the p2p lending field, the one question that always stands out is how much your initial investment should be.

How much should I invest?

The amount you might want to invest is a personal choice. It depends on your financial capabilities as well as on your judgment about the potential benefits and returns on your investment. The minimum account balance to get you started at iuvo is 10 BGN/EUR, which amount can be invested in a single loan only.

A well-diversified portfolio is the key to maximize the return on your investment. Therefore, it is best to invest an amount that allows you to create such a well-diversified portfolio.