ViaInvest

ViaInvest

Main Characteristics

  • Up to 11% of annual return
  • Invest with BuyBack Guarantee
  • Auto-Invest function

Register for free on ViaInvest and start earning up to 11% per year

My return on investment

My total deposit on ViaInvest: 200 EUR

2019 – My return on investment: + 4,24%

  • May: + 0,71%
  • April: + 0,93%
  • March: + 0,72%
  • February: + 0,89%
  • January: + 1,00%

2018 – My return on investment: + 9,20%

  • December: + 0,81%
  • November: + 0,75%
  • October: + 0,95%
  • September: + 0,80%
  • August: + 1,00%
  • July: + 0,86%
  • June: + 0,79%
  • May: + 0,77%
  • April: + 1,01%
  • March: + 0,72%
  • February: + 0,74%
  • January: + 0,64%

2017 – My return on investment: +0,73%

  • December: started tracking – +0,73%

graph

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.

add_funds

Register for free on ViaInvest and start earning up to 11% per year

Auto-Invest function

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.

auto_invest

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.

General Information

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.

Register for free on ViaInvest and start earning up to 11% per year

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.

Invest_page

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.

single_loan

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.

summary

Register for free on ViaInvest and start earning up to 11% per year

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.

3 Replies to “ViaInvest”

  1. Ciao Domenico,
    complimenti per il blog e gli articoli.
    Riguardo VIAINVEST leggo nel tuo articolo che dici che agisce direttamente da sostituto d’imposta, quindi vuol dire che noi, italiani residenti fiscalmente in Italia, riceviamo direttamente il netto e siamo già a posto così?
    Ti chiedo questo perchè leggevo da altre parti che VIAINVEST fa trattenute ( come tasse ) solo per alcuni prestiti, mi ricordo quelli spagnoli ed altri di cui non ricordo la nazione e se noi non vogliamo avere una doppia imposizione dobbiamo fornire a VIAINVEST un modulo “vidimato” dalla nostra Agenzia delle Entrate che in pratica certifica a VIAINVEST che siamo cittadini italiani e così riceviamo tutto il lordo da portare poi in dichiarazione.
    Mi puoi chiarire questo aspetto?
    Grazie.
    Marcello

    1. Ciao Marcello,
      Innanzitutto grazie per il messaggio! Ti confermo ciò che già sai. Da qualche mese ViaInvest sta lavorando su questo aspetto. Quando cominciai ad utilizzare questa piattaforma essa tassava tutti gli interessi, indipendentemente da quale nazione provenissero. Negli ultimi mesi ViaInvest sta modificando questa metodologia e attualmente a me risultano essere tassati (fra quelli che ho finanziato io) solo quelli spagnoli. Per gli altri, ci dobbiamo attivare in prima persona.
      Grazie e Buona Giornata,
      Domenico

Leave a Reply

This site uses Akismet to reduce spam. Learn how your comment data is processed.