- Up to 11% of annual return
- Invest with BuyBack Guarantee
- Auto-Invest function
My return on investment
My total deposit on ViaInvest: 200 EUR
My total withdraw on ViaInvest: 0 EUR
2020 – My return on investment / Monthly Average Return: + 0,80% / + 0,80%
2019 / 2018 – My return on investment: + 10,01% / + 9,84%
2019 / 2018 – My Monthly Average Return: + 0,83% / + 0,82%
Comments on the performance (Update: May 2019)
My deposits on ViaInvest:
- 30 November 2017 –> 100 EUR
- 24 April 2018 –> 100 EUR
ViaInvest is the first P2P platform I decided to invest in. As you can read, in 2018 I obtained an annual return equal to 9,20%: this is not a bad return, more or less similar to the ones offered by similar platforms (Mintos, FastInvest and so on).
(In the graph I inserted December 2017’s return in January 2018)
How to add funds
Remember that in order to register on ViaInvest you must be at least 18 years old and hold a tax residency within one of the European countries or Switzerland. As you can see from the picture below, investors can deposit on ViaInvest through Bank Transfer. Money will be available on the balance within 2 working days. Then you can start investing.
My advice is to set up, as soon as possibile, the Auto-Invest function, that automatically invest your money in loans that satisfies the conditions you impose at the time of setup.
Below you can see the Auto-Invest setup page. You have to choose the range of interest rate you want to invest in, the loan term, loan type and other important parameters like the maximum amout to invest in each loan and the loan originator’s country. You can also choose between reinvesting or not your money on the balance.
All loans available are covered by BuyBack Guarantee, the most important protection for the investor. If you prefer to invest manually, you can do it.
Once you have finished to setup your Auto-Invest portfolio, save and activate it.
I suggest you to invest in many different loans (that means setting a low “Maximum Investment in one loan”), in order to diversify your portfolio and reduce the risk. You should choose your setup according to your objectives.
There is no minimum investment on a single loan.
The range of interest offered by ViaInvest is 9% to 12%.
As I said before, loans are covered by the BuyBack Guarantee protection, that is an important protection for the investor: if the loan secured with the Buyback Guarantee is late for more than 30 days, the loan originator will repurchase particular loan at the nominal value of outstanding principal plus accrued interest income.
ViaInvest, at the moment, act as Tax Substitute. This means that we directly receive the net profit.
On ViaInvest is not available the Secondary Market, that would allows investors to sell to other investors their investments before they reach their maturity.
P2P loans on the platform
Below I insert examples of the Loans that are available on ViaInvest. In this picture you can find all the most important information about every single loan: loan type, country of origin, date of issue, interest rate, remaining loan term and so on. On the right side you can see the green button “INVEST” with the green shield, that means that this particular loan is covered by the BuyBack Guarantee protection.
I also insert the page of a single loan, where you can find all the important information related to a particular loan. One important thing I want to underline is the Loan Rating, that you can find only on this page. I always invest on loans with a rating equal to 9 or higher.
Finally, this is the Overview of my account. Here you can check your balance (Account Balance), interest earned (Paid Interest), Net Annual Return, your Current Investments and so on.
If you don’t understand the meaning of one or more terms, I wrote an article that explain all the terms that I use. Check it out clicking here.
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