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The key to the better receivable strategy is diversification. The successful user diversifies their assets with different instruments for generating profit. One of the popular options in the past couple of years is the P2P receivable in loans. The modern P2P business model allows nonbank financial institutions, credit companies, to list for sale parts of their already granted loans. This way they get additional financing to further expand their businesses. On the other side are the users, who have the opportunity to buy parts of the listed loans to benefit from the expected annual return for their funds. The process is made possible through portals like iuvo, which provide the needed for the purpose marketplace.
As a recognizable P2P brand in Europe with over 6 years of history, iuvo gives you 5 reasons to choose P2P receivables to diversify your receivable portfolio.
Higher expected annual return compared to traditional instruments
The more conservative users usually prefer bank products and traditional instruments because of the lower risk. However, they are often disappointed due to the low return, which their money generates and there is a tendency to look for alternative options, which offer higher return but at the same time, to not be from the more volatile options on the market.
For this segment of users, P2P is suitable instrument. The return with iuvo can vary between 5% and 13% on annual basis, depending on the choices of the user. This is multiple times higher than traditional financial products, which usually have an expected annual return rate less than 1%. If the receivable is made through our alternative for your savings – iuvoSAVE, where there is expected annual expected annual return, the choice is between 5% annual return and a 3-month period, 6% and 6 months, or 7% and 12 months.
More flexibility and higher liquidity
It is a well-known fact that the traditional instruments are not a flexible service. You do not have quick access to your money, and if you make an early withdrawal, you lose the entire expected annual return. If you would like to keep the expected annual return, you have to wait for the entire period to be over, without being able to use this money for something else.
P2P receivables have higher liquidity because with each installment of a loan, the user receives a payment and part of the money becomes available. To make it keep generating profit for you, it has to be purchased again, however, if you need this amount, you can request a withdrawal right away, and you will keep the accumulated return.
Our product iuvoSAVE, on the other hand, offers even higher liquidity. For a small fee, you can make an early withdrawal for up to 10 000 units in a calendar month, without having to wait to receive payments, so your money can be out of receivable. You keep the expected annual return, instead of losing it all like with traditional financial products.
Better predictability in comparison with more volatile receivables
As alternatives to the traditional receivable instruments, the receivables in stocks and cryptocurrencies are highly popular globally, mostly because of the opportunity to achieve high return. Those that prefer this option are well-aware that it brings higher risk even if they are familiar with how the market works because the changes in trends can still be unpredictable.
With P2P receivables, you know the exact expected annual return rate of a loan when you decide to buy parts of it, and the terms do not change by the end of the loan, regardless what happens on the market. Our product iuvoSAVE offers expected annual expected annual return and period. This allows predictability for a better financial planning because you know exactly when and exactly what amount you will get.
Saves time
The riskier receivable instruments, such as stocks and cryptocurrencies, require more of your time. It is needed to track trends daily, to get informed for the current events, to make decisions when to buy and when to sell.
P2P is a passive receivable. With the help of the preferred Auto Assign tool, you can create a portfolio by your criteria for loans. It will do the job instead of you but following your settings.
IuvoSAVE is an even better option to save time. The entire process of purchasing of receivables is in just a couple of clicks, and after that you do not have to spend time on it. There is even an option for product renewal, which allows the receivable to continue after the expected annual initial period ends.
It is expected annual returning and you have control over your money
It is always expected annual returning to try something different than what you have done by now, including in purchasing of receivables. Especially when you have control over your money and you decide how to be purchased. P2P can definitely be a new and expected annual returning instrument for you, which unveils an entirely new financial ecosystem. You have the opportunity to get familiar with different business models and to make decisions by yourself. You create a strategy according to your point of view and preference.
Choose iuvo for your receivable portfolio. Register and log in to your account now.
