If you want to invest using Portfolio Manager or Portfolio Pro, you have to first add money to Wallet. You can do this on the ‘Add money’ page. Click on the top right corner and scroll until you can select Wallet.
Please add the reference text to the payment description to make a SEPA payment to your Wallet.
From there, Portfolio Manager and Portfolio Pro will use the money in Wallet to invest according to your selected criteria. If you also use Go & Grow, please make sure the Go & Grow Auto-transfer feature is disabled before you make a payment. Otherwise, the payment will automatically be transferred to Go & Grow, even if you use the reference text for your Wallet.
Here’s a brief overview of the process:
1. Go to the Portfolio Manager page
2. Choose your preferred strategy and settings
3. Click Start and agree to the terms and conditions
That’s the process in a nutshell. Now, let’s take a look at step 2 in more detail:
Now that your Portfolio Manager is set up, you can customize it to your liking. Choose one of the risk strategies that range from "Ultra-Conservative" to "Opportunistic", add money, and there you go.
From the moment you click Start, Portfolio Manager buys P2P loans with different credit ratings and amounts in your portfolio that match your chosen risk-return strategy.
How quickly your deposited amount is invested significantly depends on the current availability in the market. Only when borrowers apply for loans, and we confirm them, can Portfolio Manager make investments for you since you are funding a part of these loans (You become the bank!). However, due to having a large number of investors and borrowers on our platform there is usually a steady flow of availability. Even so, it may take a few days if you want to invest large amounts of money all at once.