There are a number of different criteria you can set up to manage inclusions within each portfolio. You can see them all below with a short explanation of each rule. To learn more, click on each one to see it in more detail.
Country – Which countries do you want to exclude from your portfolio?
Bondora Rating – Which Bondora Rating grades do you want to exclude from your portfolio?
Loan duration – Which loan duration do you want to exclude from your portfolio? Remember: The final maturity of a loan might be different from the initial as loans can be rescheduled or repaid early.
Interest – Which interest rate range do you want to include in your portfolio? Remember, each Bondora Rating and duration combination already predetermines the interest rates your portfolio is buying. Adding this rule, along with duration and Bondora Rating, might substantially decrease the available inventory.
Max investment per borrower – What is the maximum you are looking to invest per borrower? Please avoid running different conflicting portfolios, such as the Portfolio Manager and API at the same time as we cannot ensure that this rule is not breached under those circumstances.
Bid size – Use this feature if you want to split your investment per borrower into smaller bids.
Portfolio limit – Portfolio limit sets a ceiling to the amount that will be invested under this portfolio. The portfolio stops permanently and cannot be restarted after reaching this level.
Spare cash balance – The spare cash balance feature allows you to specify the amount of money your portfolio will keep on your account as available funds.
These criteria will all help to diversify your investment portfolio.
The first three options; Country, Bondora Rating and Loan duration, form a small part of the settings. Each of these three main filters will have a significant impact on the risk-return profile of your portfolio.
In the Portfolio Summary section, you can see a preview of the future distribution and structure of your portfolio. When you change your chosen settings, the preview also changes. Try it out! Select a few filters and see how the expected return range, the composition of different loans and exposure in different countries will change in line with your rules. To see more than the first three settings, you need to click on "Add rules" and you’ll find more options to specify your criteria.
Remember: The more rules you set, the smaller the number of available loans will be. Always keep an eye on your Portfolio Summary to make sure you can make enough investments.
Watch this video on how to change your criteria settings: