Automatic Investment Strategy
A Guide to Automatic Investing
If you want to invest but don’t want to spend time on it, you are in the right place. I’ll give you a suggestion on how to create a diversified automatic investment portfolio, where you invest every month.
In this investment guide, €100 is automatically invested every month. But of course, you can adjust this amount.
If EUR is not your local currency, I recommend using Revolut Bank for zero-fee exchange and recurring bank transfers.
+ Guide to recurring bank transfer in Revolut –
- Open your Revolut app on your mobile device
- Choose your EURO account
- Choose Transfer in the bottom
- Choose New in the top
- Choose Bank Recipient
- Choose Company/Business
- In Account Information: Insert the informations you get, when you choose Deposit in the marketplace you want to invest in. In company name: write the name of the platform. Also choose country.
- Choose Add Receipiant
- Write your desired monthly amount in EURO
IMPORTANT: Insert in Reference the reference provided along with deposit informations from the market place. Mostly it contains your customer ID - Now click on the calendar icon to the left of the Send bottom
- Choose the day of the month
- Below: choose repeat every month
- Click Create
- And you are done
All settings below are made in the desktop versions, not in the app’s.
Table of contents
The investment platforms
Swaper
Swaper provides short-term consumer loans with a one-month term, offering excellent liquidity. With an interest rate of 13%, it presents a profitable alternative to a savings account in a bank.
Automation
- Recurring bank deposit: €10 every month
- Autoinvest setings:.
- Choose the preset: Start easy investing
+ General information –
- Security level: Average
- Diversity: Limited
- Loan types: Personal loans
- Term: 1 month
- Average interest rate: Approximately 13% – 14%
+ Withdrawal –
- Stop your autoinvest portfolio:
- Increase your available balance in these ways:
- Wait up to one month for your loans to be paid back
- Sell some of your loans back to Swaper
- Increase your available balance in these ways:
- Then, withdraw the desired amount from your available balance:
- Click on your available balance at the top right of the page
- Choose Withdrawal at the top
- Restart your autoinvest
Bonus offered by Swaper
We both get a 2% bonus when you invest €500 or more within 30 days
Peerberry
Peerberry offers auto-invest in real estate, which is challenging to find elsewhere. It’s one of the highest-rated crowdlending platforms available.
Automation
- Recurring bank deposit: €10 every month
- Autoinvest 1: Real estate
- Choose: Create new auto invest strategy – Peerberry plan – Real-estate portfolio
- Autoinvest 2: Backup in case there are no Real estate loans.
- Choose: Create new auto invest strategy – Peerberry plan – Short-term portfolio
- Strategy size: Enter eg. planned investment amount for 10 years: €1200
- Click Invest
+ General information –
- Security level: Above average
- Diversity: High
- Loan types:
Long-term: Real estate, Leasing & Business loans.
Short-term: Personal loans - Average interest rate: Approximately 9% – 10%
- Loan Term: 1-36 month.
+ Withdrawal –
- Stop your autoinvest portfolio:
- Wait until some of your loans has been paid back
- Then withdraw the amount you want:
- Click on your available balance at the top right of the page
- Choose Withdrawal in the right side in the top menu
- Restart your autoinvest
Visit Peerberry here (affiliate link)
Debitum
In Debitum you can increase your diversity and safety by investing in business loans. On top of that you can contribute fighting the climate change by investing in sustainable loans.
Automation
- Recurring bank deposit: €10 every month
- Autoinvest settings:
- Maximum investment amount: 20% (= €20)
- Loan originators: All (Sandbox provides sustainable loans in Electricity, Forestry and agriculture)
- Enable auto invest?: Yes
- Auto invest 1h/day?: No
- Finish with: Save
+ General information –
- Security level: High compared to average crowdlending platforms
- Diversity: Limited to 5 loan originators, but all loans are bundled with several loans, increasing diversity.
- Loan types: Business loans including sustainable investments
- Average interest rate: Approximately 11%-14.5%
- Loan term: 5 – 24 months.
+ Withdrawal –
- Stop your autoinvest portfolio:
- Wait until some of your loans have been paid back.
- Then, withdraw the desired amount from your available balance:
- On the Overview page, scroll down and choose Withdraw on the left.
- Restart your autoinvest
Bonus offered by Debitum:
25€ to both you and me when you have invested 1.000€ or more
Read about sustainable investments at Debitum here
Bondster
Bondster offers a wide range of loan types, providing high diversity. Although there are some late loans, the buyback guarantee operates reliably. Late loans incur a penalty fee, which boosts the interest rate close to 18%.
Automation
- Recurring bank deposit: €10 every month
- Autoinvest settings:
- Choose Strategy in the top of the desktop website
- Choose Preset strategy: Diversified
Tip: If you deposit minimum €80 every month for at least 6 months, Bondster provides a bonus of 10% of the interest rate (Eg. 15% + 1.5% = 16.5%). Read more.
+ General information –
- Security level: Below average
- Diversity: High
- Loan types: Personal, business, leasing, cars
- Average interest rate: Approximately 14% – 15%
- Loan term: 1 – 36 months.
+ Withdrawal –
- Stop your autoinvest portfolio:
- Increase your available balance in these ways:
- Wait until some of your loans have been paid back.
- Sell some of your loans on the Secondary Market with a small discount.
- Increase your available balance in these ways:
- Then, withdraw the desired amount from your available balance:
- Click on your available balance at the top right of the page.
- Choose Withdraw Funds
- Restart your autoinvest.
Bonus offered by Bondster
- Both you and I receive 1% of the amount you invest during the first 3 months
- Get your bonus.
- Or use this referral code: 1000016310
Bondora
Founded in 2008, Bondora was one of the earliest crowdlending platforms. Since 2023, they have focused solely on their high-yield savings account.
Automation
- Recurring bank deposit: €10 every month
- Create a Go & Grow account
- Then choose Go & Grow in the left menu
- You now see your savings account with the name you entered in the top
- To the left side of your account name, click on the 3 vertical lines
- Choose Auto-transfer in the bottom of the menu
Now, your recurring bank transfer will automatically be added to your savings account.
+ General information –
- Security level: Above average
- Loan types: High-yield savings account
- Interest rate: 6.75%
+ Withdrawal –
- You can withdraw at any time.
- Each withdrawal incurs a €1 fee.
- Select Withdraw from the left menu.
Bonus offered by Bondora
Sign up here and get €5 instant bonus
Read more about the high-yield savings account at Bondora
Mintos
Mintos is the largest crowdlending marketplace, featuring a vast number of loan originators, countries, and loan types, providing the very best diversity in this strategy.
The minimum investment is €50. Therefore, the monthly bank deposit must also be €50.
Automation
- Recurring bank deposit: €50 every month/every three month (or less, but the deposit will only be invested when your available cash is at least €50)
- Recommended: Choose Invest: Core Loans
(preset autoinvest, the best interest rates and immediately withdrawal)
Read more - Alternatively autoinvest settings for ordinary loans:
- Currency: EUR
- Market: Primary
Right below on the right: - Mintos Risk Score: 7-10
In the same line to the left: - Company: Select All in the check box above
Scroll down to: - Interest Rate: 9-30%
- Remaining term: 0-24 months
- Diversification: Keep the dynamic setting
- Portfolio target: Set it high: eg. 10 years of investing €600 = €6.000
- Finish with: Save and activate
+ General information –
- Security level: High compared to average crowdlending platforms
- Diversity: The very best
- Loan types: Business, Personal, car rental and loans,
- Average interest rate: Approximately 9%-12%
- Loan term: 0 – 24 months.
+ Withdrawal –
- Stop your autoinvest portfolio:
- Choose Loans in the top menu
- Scroll down to your portfolio
- Click on the 3 dots to the right and choose Stop Investing
- Increase your available balance in these ways:
- Wait for loans to be paid back
- Sell some of your loans on the Secondary Market with a slight discount.
- Then, withdraw the desired amount from your available balance:
- Click on your available balance at the top right of the page.
- Choose Withdraw Money
- Restart your autoinvest
Bonus offered by Mintos
- We both get €50 instant bonus when you invest €1 000 or more
- Additionally you get 1% of the average investment in the first 90 days
- Get your bonus here
- Or use this referral code: 7PHKN8
Additional Automatic investment possibilities
Profitus
Profitus provides loans in real estate in the three Baltic countries and Spain.
The minimum investment is €100. Therefore, the monthly bank deposit must also be €100.
Automation
- Recurring bank deposit: €100 every month/every three month (or less, but the deposit will only be invested when your available cash is at least €100)
- Activate autoinvest:
- Choose RoboInvest in the left menu and Enable
- Add pro strategy, which gives you the most security options (even if you invest less than €700)
- Autoinvest settings:
- Investment amount: Set it high enough to include the interest income
- Invest if the amount is less: YES
- Select min and max credit duration in months: I recommend 3-12 month
- Select a maximum risk category: I recommend no. 5
- Investment per borrower and related corporate groups:
- For the best diversification: choose Specify the amount and a percentage
- If this means, that your funds don’t get invested, Choose: All loans
- Initial Rating:
- Select All in the drop down list
- Then uncheck BBB and BBB-
- Country : Select All
- Investment Purpose: Select All
- Security Measures: First Rank Mortgage
- Tjek to accept the RoboInvest terms and conditions
- View forecast to see if your settings find any loans
- Create
+ General information –
- Security level: High with ESMA license
- Diversity: below medium
- Loan types: Different kinds of real estate including rental
- Average interest rate: Approximately 9%-12%
- Loan term: 3 – 12 months.
+ Withdrawal –
- Stop your autoinvest portfolio:
- In the Roboinvest page: scroll down to your strategy name and turn off the The strategy is active button
- Increase your available balance in this way:
- Wait for loans to be paid back
- In the overview page: choose withdraw in the upper right
- Restart your autoinvest by turning on the The strategy is inactive button
Bonus offered by Profitus
- We both get 25€ when you invest within 90 days
- Get your bonus here
Automatic Investment in renewal energy
If you additionally want to support the Climate by investing in renewal energy at an interest between 4% and 9.5%, this can be automated in Goparity.
Goparity
GoParity offers a diverse range of sustainable projects, including solar energy, decarbonization efforts, biofuel projects, electric buses, energy-efficiency initiatives, and more.
Automation
- Recurring bank deposit: At least €25 a month.
(40€ a month to avoid a 0,50€ direct debit monthly fee). - Recommended Auto-invest settings:
- Scroll down on the desktop homepage and choose Create Investment Strategy
- Click Define a Strategy
- Click Monthly Direct Debit
- Name your strategy and choose For me
- Fill amount and day
- Choose the risk your are willing to take
- A is most secure. But there are fewer loans and in average a lower interest
- C has the lowest security, but it includes all available loans and has in average the highest interest
- B is a good middle choice to choose
- Maximum per project:
- A small amount per project provides the best diversity, which is the safest. But if your funds are not invested within every month, you need to increase the minimum amount.
- Choose or add bank account
+ General information –
- Security level: EU crowdlending licence ECSP
- Diversity: Limited
- Loan types: Mostly solar cells, but also other sustainable investments
- Average interest rate: Approximately 4% – 9.5%
- Loan term: From 6 months to several years.
+ Withdrawal –
- Turn your auto-invest off:
- On the Home Page, click the 3 dots to the right of TOP UP and choose Edit Autoinvestment
- Wait until some of your loans have been paid back.
- Or try to sell some of your purchases on the secondary market:
- Scroll down on the Home Page and click on the investment you want to sell
- Choose Sell This Investment in the bottom of the page
- Then, withdraw the desired amount from your available balance:
- On the Home Page, click the 3 dots to the right of TOP UP and choose Withdraw Funds
- Restart your autoinvest.
Bonus offered by Goparity
- Get 5€ bonus with your first investment
- Sign up here and get your bonus
- Or use this referral code: FLEMO33199
Automate your charity – and earn a passive income
If you also want to automate your charity – and earn a passive income at the same time – you can do this at Lendahand.
Lendahand
With Lendahand, you can make sustainable investments and support SME entrepreneurs in emerging markets, fostering economic growth in poor countries.
By contributing, you are making a positive impact on the world, and simultaneously earning an interest of 5-8%.
Automation
- Recurring bank deposit: €10 every month (minimum)
- Recommended Auto-invest settings:
- Choose Auto-invest in the top-right of the desktop website
- Enable Auto-invest
- Minimum investment amount per project: 10
- Maximum investment amount per project: 20
- Maximum investment amount per company: 60
- Minimum interest rate: 5%
- Minimum credit score: B
- Maximum maturity: 24 month or more
- Currency: Both (€ and $)
- Invest in financial institutions or directly in a business: Both
+ General information –
- Security level: EU crowdlending licence ECSP
- Diversity: Limited
- Loan types: SME entrepreneurs in emerging markets
- Average interest rate: Approximately 5% – 8%
- Loan term: 1 – 3 years.
+ Withdrawal –
- Turn your auto-invest off:
- Wait until some of your loans have been paid back.
- Then, withdraw the desired amount from your available balance:
- Click on your name at the top right of the page.
- Choose transactions
- Choose Withdraw Money at the right (EUR or USD)
- Restart your autoinvest.
Bonus offered by Lendahand
Get up to 500 euros GUARANTEED on your very first investment (guarantee against loss)
Use code 4AH7-HQ9F-Q3GY at checkout
Shares and Bonds
To further increase diversity and safety in your investment portfolio, it is advisable to also invest in shares and bonds.
If you already have a pension savings invested in shares and bonds, the above automatic investment strategy is a very good supplement.
If you don’t have any investment in shares and bonds, you should consider one of these options:
- Automatic recurring investments in ETFs are available in Revolut Bank from €10 a month without a trading fee. This is an easy way to mitigate your risks and a very good supplement to the above described autoinvest possibilities. Read more
- Make investments through your bank, but be aware of the minimum trading fees and the minimum investment amount.
- In Mintos, you can manually invest for as little as €50 in Fractional Bonds and ETFs without incurring trading fees. You only need to invest in the ETF, as it consists of 40% bonds and 60% shares.
Invest manually in ETF on Mintos
You can supplement the above automatic investment strategy by doing the following:
- Once or twice a year, invest manually in ETFs in Mintos (set a reminder in your calendar).
(the prices are often lower in the authoum than around December and January)
Summery: Diversity and Safety
In this investment strategi you get a broad diversity, which improves the overall safety of your total investment significantly.
Investment types (assets)
Different assets may perform differently under various circumstances. A mix of assets decreases your risk and increases your overall profit:
- Personal consumer loans
- Car and leasing loans
- Business loans
- Sustainable loans
- Real estate loans
- High-yield savings account
- Fractional bonds
- ETF’s
Number of investments
- Crowdlending: You invest in different loans every month, which spreads your risk across a large number of small loans ranging from €10 to €20 each.
- Each ETF consists of a variety of different shares, which spreads your risk across a large number of shares.
- Investing in a whole bond can be expensive. When you invest in fractional bonds, you acquire minor parts of many different bonds. This helps you spread your risk.
Investment platforms and countries
- Investing in several different platforms spreads your risk in case one of the platforms underperforms.
- Investing in many different countries reduces the risk in case some countries encounter economic problems.
FAQ
What is crowdlending?
Crowdlending presents an opportunity for private individuals to invest in smaller portions of loans provided by lending companies. In crowdlending, you can invest as little as €10 in various types of loans. The significant diversification offered, along with interest rates ranging from 10% to 14%, helps offset the risk of defaults.
What are fractional bonds?
Fractional bonds are smaller portions or fractions of bonds. Investing in a whole bond can be costly. However, when you invest in fractional bonds, you acquire a smaller portion or fraction of a bond. This allows you to spread your risk by investing in several different bonds.
What are ETFs?
ETFs are packages comprised of several shares. This allows you to invest in smaller portions of each share. When you invest in individual shares, there is a chance of achieving a good profit, but there’s also the risk of loss. However, when you invest in ETFs, some shares may perform well while others may perform poorly. By spreading your investment over many different shares, the risk and potential profit are also spread across numerous shares. Thus, the risk and potential for profit are equalized.
What is a diversified investment
A diversified investment involves spreading your investment across different assets, multiple countries, and various platforms. Under different circumstances, different assets, countries, and platforms may perform differently. When you diversify your investment, you mitigate the risk of poor performance and optimize your chances for a good profit.
What are assets?
Assets are various categories in which individuals can invest their money. These categories include a wide range of financial instruments and opportunities, each with its own characteristics, risks, and potential returns. Some common investment types/assets include:
– Stocks (Equities): Ownership shares in publicly traded companies, representing a proportional stake in the company’s assets and earnings.
– Exchange-Traded Funds (ETFs): Investment funds traded on stock exchanges, representing a diversified portfolio of assets such as stocks, bonds, commodities, or real estate.
– Bonds: Debt securities issued by governments, municipalities, or corporations, typically offering fixed interest payments over a specified period, with the principal repaid at maturity.
– Real Estate: Physical properties such as residential, commercial, or industrial real estate, which can generate rental income and appreciate in value over time.
– Alternative Investments: Non-traditional assets such as crowdlending, offering unique risk-return profiles and investment opportunities.
– Retirement Accounts: Tax-advantaged investment accounts such as 401(k), IRA (Individual Retirement Account), or pension plans, designed to save for retirement by investing in various asset classes.