Category: Strategies

When and why you should use Auto Invest


In the previous article, we taught you all about manual investing – when and how to do it, as well as some useful strategies. Now we’d like to introduce you to the Auto-Invest feature.


Why should I use Auto Invest?

Because it saves you time

Manual investing gives you the freedom to “micromanage” your portfolio and perform a detailed check on every loan you’re investing in. As handy as this is, you have to spare a reasonable amount of time to log in every day and scan for loans that match your criteria. If you have a more substantial free capital to invest, manual investing will be a tedious task and might take you hours on end.

With Auto Invest, you don’t have to log in each day. You simply set up the feature, and then forget about it. It’s straightforward to stop it, whenever you decide to. We’ll talk about that again in a bit.


Multiplies your earnings

Another advantage of Auto Invest is that it helps you evade the so-called “cash drag.” Cash drag is the phenomenon where you hold a certain amount of your free funds in cash, and it doesn’t receive any exposure to the market. In simpler words – you invest, earn some money, and then cash out.

With Auto Invest, you can automatically reinvest your earnings, and then earn even more from the compound interest! The compound interest is a great way to scale your profits; it’s interest that goes on top of the principal of a loan, and on top of accumulated interest from previous periods.


When should I use Auto Invest?

Before you ponder about using Auto Invest, make sure you’re familiar and comfortable with manual investing on the Primary Market. It’s best to do manual investing for a certain amount of time, and be completely comfortable using filters, browsing through loan details and comparing borrower profiles.

By that moment, you will have already earned some profit and seen how the platform works. It’s only natural to want to diversify your portfolio and explore options for scaling your profit. This when you’re ready to use Auto Invest.


How do I set it up?

After login, go to the Auto Invest page in your account and fill the form. You can set up more than one portfolio, and each portfolio can have a different size. E.g., you can have three separate portfolios, each for 200 EUR, which apply different pre-set investment criteria. Also, you can set a maximum investment amount per loan, say – 10 EUR. That means you will invest up to 200 EUR, in up to 20 loan offerings. Of course, these numbers are illustrative – portfolio sizes and investment amounts are your calls.

How about the investment criteria? Knowing your way around the Primary market and its filters, you should already have a good idea on what kind of loans and what type of borrower profiles you’re targeting. You can either use the same filters as when you do manual investing or – diversify even further. For example, you can spare the “simpler,” “lower risk” filters for your Auto Invest portfolio, and leave only the high-risk ones for manual check and manual investing. We’ll go into further detail in our next article, which will be all about strategies for successful Auto Investing.


How does it work? What happens when I run out of free funds?

As mentioned, you can have one or more Auto Invest portfolios. They will all do the same thing – automated investing of all your available funds. So, how does it happen? It’s straightforward: once our software finds a loan that matches your criteria, it will put your pre-set investment amount into that loan; and will continue doing that, until it reaches the limits you`ve given it.

If you run out of free funds, your portfolios will start re-investing your profit, which, in turn, will start piling up that sweet compound interest we mentioned earlier.


Can I stop it?

Of course! Select the portfolio you want to dismiss, and hit “Pause.” This will allow you to resume if you decide to. If you want to delete that portfolio altogether, press “Cancel.”

We hope this has been an insightful introduction to the Auto Invest option and its benefits. Stay tuned for the next article, where we will describe some useful strategies you can use with this feature!

Strategies for Manual Investing


If you’re reading this, you’ve probably already gone past the point of learning what P2P lending is, and have already chosen your preferred platform. We’re glad you decided to trust iuvo! We’ve decided to compile two separate articles that introduce you to manual investing and auto investing. We hope that they will help you choose which path to follow.


What is manual investing?

This is the base investment option at iuvo. Straightforward as is, manual investing simply means that you will personally go to the Primary market, scan through loan offers, read each one’s details, and decide where to invest (or not invest) your free funds.

When done right, manual investing will allow you to increase your annual return. It’s particularly handy for loans with higher risk – unless you feel fortunate, it’s not a smart idea to do Auto Invest in this type of loans.


Why invest manually?

Compared to most p2p platforms, iuvo is heaven for manual investing. One of our main advantages is that we work very hard to ensure high liquidity. At any given moment, we offer around ten thousand loans to choose from. Why does this matter? Well, if we don’t provide a respectable quantity and variety of loans, you might not be able to find any that fit your strategy. Even worse – you might be forced to make changes to your strategy, so that you can make use of what’s published on the platform. We shouldn’t let this happen!

Another big advantage is the amount of information provided for each loan. Iuvo lets you see details, like the borrower’s gender, age, salary, work industry and so on. These are of immense help when trying to understand the perfect borrower profile. Also, we enable you to examine the borrower`s profile without putting them at any risk – we can’t access (or share) data that makes them identifiable, like their name and ID number.

Aside from personal and demographic info, what makes iuvo unique is that we show the due dates and payment history of each loan. You can check the exact delay of payments while searching for loans on the Primary market. Thus you’re able to estimate their payment patterns, and decide whether you want to invest in their loan, or not.


What are the best strategies for manual investing?

To find the answer to this question, we don’t need to look further than our backyard, or in other words: our most profitable members that invest manually. Based on these people’s success, we’ve prepared three great strategic approaches to manual investing.


1. Easy – for people who are just getting started with p2p lending

Open a loan’s payment history an­­d study it. Choose “older” loans that already have a few paid installments. Check the payment dates, and study the payment pattern. Whether in delay or current, look for loans where there is some consistency of payments. Avoid borrowers with irregular payment patterns!

Example: Let’s compare two current loans with 30-day installments and two installments already paid. One of the borrowers has made two monthly payments on the same day of each month, and the other one has gone with a single payment in the second month – covering both installments at once. In a similar case, you should always choose the first loan: it has a better chance to be paid out month-to-month.

2. Medium – for people who have already gotten around p2p lending

Use the filters to narrow the offerings down to delayed loans only. Go through a few loans’ details. Search for late credits whose borrowers have a high probability of making a payment.

Example: Ideally you want to find a loan that is between 30 and 55 days in delay and has at least three paid installments – in cases like that there are late fees due.  Based on the borrower’s payment pattern, try to estimate how likely it is for them to make a payment before reaching 60 days in delay. If you believe it to be very reasonable – INVEST. If they do pay, it boosts your profit (because of the late fees). If they don’t, you’re protected by the Buy-Back guarantee.

3. Hard – for investment and math gurus

If you’re great at math, and/or have experience in scoring, you can use statistics to narrow down a profile for the loans you want to invest in, based on the personal data provided for each borrower. Export the available credits from Primary Market to Excel and start playing with data, like age, gender, % of monthly installments from their income, work industry, location of the borrower (city and country), etc.


How about the secondary market?

Our Secondary market can also have its place in your manual investing strategy. You have to be careful though, because the Secondary market is the only way you can turn а negative profit on iuvo – due to the discount/premium sellers may apply. Before you start buying or selling on the secondary market, make sure you understand very well how these two work! Here’s a useful article for you: Secondary market and the benefits it carries

We hope these strategies will help you succeed. As always, feel free check out our Blog and FAQ sections for more useful information. We update them regularly to keep you posted on news, trends, and various features of the platform!

Seven investment gifts from the iuvo team


Christmas is just around the corner, and the iuvo team has a few presents for our dear users. It`s something that can help compensate for all the money you’ve spent on presents, cards and fancy wrappings, but it will serve you even better in the long run. However, for the gift to be useful, you still have to use it wisely and get into an investment kind of mindset. Our gift to you is this article of seven valuable investment tips from each member of the iuvo team. The tips provide brief information on each member and present his unique perception on the p2p investment field, providing insights that can make your investments even more profitable.

So, get comfortable, pour yourself a nice hot cup of cocoa and read on.

1. “Try to regularly allocate a separate portion of your salary that won`t affect your monthly budget. By doing so, you will have a savings budget that can help you make a trip or realize another dream in the future.”

From Nikolina Ivanova – an integral part of our support team. She`s always dedicated to providing the best services to our clients and likes taking on new challenges. Nikolina is a fan of good the cinema and literature.

2. “Automate! The easiest way to achieve your short and long-term financial goals, if they are defined, is to automate the investment process. By using the automatic investment feature on the Iuvo platform you save up a lot of time by not re-investing your funds by yourself, but you also keep your portfolio diversified to achieve optimal profitability. This functionality enables you to manage your investment strategy in a quick, easy and efficient way. After that, you can simply relax and watch your money do all the work for you!”

From Miroslav Metodiev – the latest addition to our team and the person responsible for the well-being of the whole project. Miroslav has extensive experience in bank and nonbank financial institutions and is interested in anything related to financial markets.

3. “Fully utilize the opportunities we present to you. Try out new strategies with different currencies, originators and loan rating classes. Always benchmark your results and draw conclusions.”

From Vladimira Lulova – the person who manages our customer support team and makes sure, that each of our clients gets the information he needs. She has over seven years of experience in developing support teams and believes that work develops positive qualities in a person.

4. “Don’t hesitate to invest in loans that have a “late” status. By doing so, you can capitalize on the lucrative expiration taxes and achieve great profitability.”

From Daniela Yordanova – a vital part of the iuvo team who`s been with us for over a year. She likes reading books, doing sports and getting to know new people.

5. “Reinvest! You should always, immediately reinvest any funds available in your account, regardless of whether you use the automatic investment feature or invest manually on the Primary market. Reinvesting is the best approach for achieving high profitability and the shortest path to unlocking the potential of compound interest.”

From Ivan Milev – a member of the team since the very beginning. Ivan is the person responsible for improving the overall user experience on the platform and integrating useful new functionalities. He has extensive experience in many business-related fields and has worked with internationally acclaimed companies and institutions.

6. “Use iuvo to diversify your investment basket. Don`t forget that a good long-term investment is achieved through a well-diversified investment portfolio. Iuvo offers you exactly that, a secure option that brings high profitability. Of course, you can invest in volatile instruments such as currencies, shares or stocks, or you can also follow the speculative wave of investing in cryptocurrencies. I will always be a fan of speculative trading on financial markets, but that doesn`t mean you shouldn`t hedge the risk. In my opinion, any speculative profit should be reinvested in iuvo, where you get a high return, and your investment is secure.”

From Hristo Andreev – the person responsible for all marketing related tasks at iuvo. He has extensive professional experience in both financial companies and start-ups. In his free time, Hristo likes to snowboard and get lost in the woods.

7. “Use the full potential of the platform by experimenting with the auto-invest filters. For example, you can create a quick liquidity filter by setting your portfolio to invest only in weekly credits that have four payments left until they`re paid off. You can stop the filter and all profit on related investments will be regained in 4 weeks, which can be a great help in time of financial need. You can also implement this approach with biweekly or monthly loans.”

From Ivaylo Ivanov – the CEO of the company. Ivaylo has deep faith in the value of iuvo as a platform that can help its users regain control over their finances and enable them to make the best decisions regarding their financial stability. He is a passionate fin- tech expert with extensive experience in business development, consultation and project management.

We hope that you`ve found these gifts useful and apply them to your investment process. With that being said, we`d like to wish you very happy holidays and a celebration filled with laughter and festive spirit. Let 2018 be a year during which you achieve all your financial goals and dreams!

Happy Holidays

Explore new P2P investing strategies with iuvo


P2P investing presents a myriad of different approaches for being successful and profitable in the long run. There are many possible combinations depending on the originator, currency, risk-level of the loan, your experience, the investment amount and many other factors. Any combination of these factors will yield different results, and there is no way to tell which one will be more efficient unless you try it out. As we`ve mentioned before, one of the beautiful things about investing in P2P investing is the small amount you need to start. Furthermore, you can be brave in trying out a new strategy because you have the buy-back guarantee protecting your funds. It is also important to mention that every investor should craft his plan based on his own experience. Even if you emulate somebody else`s approach, it may not yield the same results. Luckily, you have the freedom to mix things up and see what works best for you.

New Originator = New opportunities

We recently introduced a new partner – the Romanian originator iCredit, which enabled us to provide new investment opportunities to our customers. Being able to invest in loans that are in Romanian Leu has expanded the possible combinations of factors that make up your portfolio. It means that these loans are subject to variables that are entirely different than the ones affecting loans in Bulgarian Lev or Euro. How you craft and structure your portfolio of investments affects your profitability and overall performance.

By presenting you with a broader selection of loans we are giving you more freedom and flexibility. When you go to the “Primary market” dashboard on the platform and open the filters menu you, will notice that there is an option for selecting a country. You can quickly select “Romania” and browse the wide selection of loans, look at their specifics and determine what kind of opportunities they might present as compared to Bulgarian ones. Perhaps you might notice that the average loan amount is different or that there are more loans with a specific score class, interest rates might also differ. All these little insights are factors which you can incorporate into your strategy. We recommend that you try out different combinations and see which one works best.

Trying Out Different P2P Investing Strategies

Iuvo currently partners with two Bulgarian and one Romanian originator, which all differ in terms of loan portfolio size and while the type of information provided on each borrower is the same, the data itself differs and presents unique insights about the loan. For example, if you compare two C score loans, one from Romania and one from Bulgaria, you will see that the borrower`s salary is provided for both, but the amount will differ. One might be earning 200 Euro a month, while the other can be earning 400 Euro a month. By considering this, you can make a decision about which loan to invest in.

If you want to get into the depth of P2P investing borrower information is of vital importance. While the auto-invest feature negates the need for looking into the borrower on a more detailed level it is necessary if you want to craft a comprehensive strategy with higher than average profitability.

This is the next level of investing where you really delve into the details and consider which loans have higher return percentages based on analysis and critical thinking. You can expect well above average returns if you manage to create a strategy based on concrete data. When you look into the loan details, you will notice all the available information about the borrower, which enables you to take into consideration factors like salary, education and occupation area which are all directly related to the loan`s rating and return.

The availability of more information gives you more significant control over your portfolio and allows you to be flexible in case things don`t go according to your predictions. For example, if you see that a specific set of similar loans is yielding unsatisfactory results, you can deduce that a collection of opposing credits might have a higher chance of performing better. Even if some loans have very close ratings and returns, if the originators are different you can expect that the results will most likely also be different. It`s all about combining the right loans and making adjustments based on the outcome.

Iuvo presents investment opportunities in three currencies – EUR, RON and BGN, and all originators offer the option to invest in Euro. Investing in Romanian Leu loans is an especially lucrative opportunity due to their recent introduction to the platform. Loans provided by our Romanian originator are relatively newer and thus more exclusive – there are smaller competition and a significantly high return, up to 14.88%, which turns it into another great opportunity.

What You Should Test

In case you`re still feeling a bit confused about trying out different p2p investing strategies, here are three specific ones that you can try out. See which approach works best for you and structure your investments around it.

1. You can create different portfolios with each originator and invest in loans that have a similar interest rate. For example, try and invest in loans with 10% interest rate, but diversify your funds in a different originator. Track the performance of each portfolio and see which one does best. For best results keep the investment amounts the same.

2. You can invest in loans that have the same or similar score class but have a different country of origin and track how they differ in terms of performance. Maybe you will decide to invest only in score classes E and HR, but iCredit or Viva Credit may give you different returns. You can try a similar strategy with the various currencies on the platform. Create a separate portfolio in each currency and see how it will perform.

3. Try investing in loans that are very similar to each other – same or similar score class, interest rate and country of origin. Then track performance by looking more deeply into criteria such as salary, education and how they differ among the borrowers.


Although many of the loans offered by our originators might seem similar on the surface, many subtle differences distinguish these investments. You have the freedom to craft your investment portfolio as you wish and explore different bold strategies based on all the information, variables and factors. It is testing time, do not hesitate to try to find the best solution for your funds.