Risk management
Amount
Stable return
Are you looking to invest in credits? Visit our parent company, savelend.com!
At SaveLend, you can invest in different kinds of credits and earn interest. The interest robot SmartInvest distributes your capital across a large number of credits to ensure a good spread of risk. SmartInvest also re-invests the repayments and interest automatically to ensure you get compound interest.
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- 8.12% return on invested capital over last 12 months
- Good risk diversification
- Investment form that generates cash flow
*Estimated annual return on 3 year investment, after fees and credit losses, when using Autoinvest function.
**Maximum share of 3 %, with minimum amount of 20 €, of the capital is invested into one loan.
***The Autosell feature allows investments to be sold to other investors. Sales of investments take place according to the aftermarket situation. Fixura cannot guarantee the speed or efficiency of the aftermarket. In individual cases, the sale may be delayed if all investors have already invested the maximum amount in that loan.
Past performance is not necessarily indicative of future results. All investments carry risk and all investment decisions of an individual remain the responsibility of that individual. All investors are advised to fully understand all risks associated with any kind of investing they choose to do.
No need to worry
After your investment you are able to sleep tight. Once you have opened the investment account and transferred the funds, you can concentrate on other things in life and just simply enjoy the profit.
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Please notice that the calculator’s 3,11 % annual return after fees and credit losses is based on an estimation for a well-diversified portfolio containing various loans with interest rates between 2,9 % to 9,9 %. Past performance is not necessarily indicative of future results. All investments carry risk and all investment decisions of an individual remain the responsibility of that individual. All investors are advised to fully understand all risks associated with any kind of investing they choose to do.
Reasonable risk
When investing in Fixura’s P2P-loans, we will always attempt to minimize the loan-specific risk. Our Autoinvest function will automatically diversify your funds into various investments available, so that a maximum of 3 %, minimum amount being 20 euro of your available capital is invested in one loan.
With this wide diversification we will assure, that the success of your portfolio does not depend on one loan. Because of this, your investment can be spread over hundreds, even thousands, of loans. If an individual loan matures, we will automatically sell the loan to a third party at a market price or transfer the entire loan to a debt collection agency.
- Investment in one loan 20-1000 €
- Risk per loan 0-3 %*
From the free capital at the moment of investment
- Overdue loans
Will be sold to a third party at a market price or be transfered to a debt collection agency.
*The amount invested in one loan is always the minimum of 20 €.
A more developed credit rating model
We have created a new revolutionary model for credit rating, which is based on machine learning as well as on the transactions of the loan applicants bank account. By categorizing the applicants bank account transactions, we can create a wide overview of their financial situation and payment behaviour.
With the experience for more than 10 years, we know, that applicants’ payment behaviour can change and the credit model should react to these changes quickly. Our machine learning based credit rating model reacts on changes in the application, but also in the payment behaviour on already granted loans.
The purpose of credit scoring is to identify risks involving payment behaviour and reduce our investors credit losses. This is to ensure your investment is safe now and in the future.
Criteria for borrowing
The borrower should fulfil the following criteria to be able to be granted a loan from Fixura:
- At least 21 years old person with full legal capacity
- Has had a permanent address in Finland (min. of 2 years)
- No credit defaults
- Bank account transactions (min. of 6 months)
- A minimum income of 1000 € per month
- Not too many active consumer credits*
- A clean history of lending*
*We’ll check the borrowers’ lending history and current consumer loans from Suomen Asiakastieto’s consumer credit inquiry system.
A sensible cost structure
Opening an account, depositing funds and investing is free of charge. This means that you don’t have to pay anything before your investment starts generating profits.
Fixura takes care of everything from marketing, granting loans to invoicing, this is the reason why we share the income from interest with you. When the borrower repays their loans, we earn together. We think this is fair.
To withdraw free capital from your account is free of charge.
Transaction
- Opening of an account free
- Deposits free
- Investing free
- Withdrawals free
From free capital
- Sharing of interest income 50/50
Fixura shares the interest income with the investor
- Sales fee 1 %
1 % of the total amount of Investments in Loans sold on the aftermarkets
Compound interest
The Autoinvest function invests the funds in your portfolio automatically into investments. This gives you the benefit of compound interest and you can maximize the profit of your portfolio.
Reliable
We have over 10 years’ experience in mediating P2P loans in Finland. Fixura has a AA+ credit rating and holds Finland’s strongest Platinum certificate, these are a testament of our financial security and trustworthiness.
A sound choice
We offer investors a good and stable profits with a limited risk. The fluctuations of the stock market do not impact P2P-loans, which makes investing into P2P a safe and attractive alternative.
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Less complicated than property investment
To invest in a property can be complicated. You need to find a suitable apartment, maybe do some renovations, maintain and find a tenant. When investing in P2P loans, you get the same passive income as from investing in properties but more effortlessly. We take care of everything fror you from marketing to invoicing.
Easier than investing in the stock markets
At the stock exchange anything can happen in seconds. Your investment can vary a lot during one day. The interest rate in P2P-loans is agreed in the loan agreement which makes keeping track of the investment much more predictable and easier.
The Fair Credit, a sound investment
The starting interest rate for all loans is 9,9 %. Due to the decreasing interest rate, customers who make their payments on time can reduce their rate down to 2,9 %, which makes our product very competitive. Well paying customers are lower risk to investors and for this the reason they deserve lower interest rate.
The interest rate starts at 9,9 % and decreases by 0,1 % points every month, down to 2,9 % when the instalment is paid on time.
If the payment is late, the interest rate will not decrease and stays on the level already reached.
In traditional loans the interest rate is fixed, but Fixura rewards well paying customers. We think this is fair.
Always the right time
It’s always the right time to invest in P2P-loans compared to the stock market, as there is no risk in timing the investment. The fluctuations in the stock market do not impact on the value of your P2P-loan investments nor in the expected profit. The timing does not affect the profit of your portfolio. This is why you can start your investment whenever you find it convenient – it’s always the right time to invest.
