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Can my net returns of an outstanding portfolio change over time?

Yes, your net return can fluctuate over time based on the actual interest and principal repayments received. Overdue loans might start performing again and current ones might become delayed. Recovery processes can take years to collect every cent owed, so even performance of very old portfolios might increase substantially over the years. 

Our servicing, collection and recovery practices are continuously improved and even higher risk portfolios can start behaving like lower risk ones.

Most of the fluctuations we have witnessed have been positive due to recovery efforts. Using data since 2012 there have been variances between -8.1% to +4.4%. We calculate these fluctuations like this: The current net return vs. the net return calculated at the end of the specific calendar year.

You can get regular updates on recovery performance on our blog in monthly blog posts.


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* Capital at risk. Investments made with Bondora are not guaranteed, nor is the preservation of value invested guaranteed. Please note that the yield achieved in past periods does not guarantee the rate of return in future periods. The yield of Go & Grow is up to 6.75% p.a. Before deciding to invest, please review our risk statement and consult with a financial advisor if necessary.