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The world is driven by curiosity. Historically, it was our predecessors’ curiosity about the new and the unknown that shaped the evolution of the world to get to our present days. Today, technologies enable us, at the micro level, to explore new places and expand our knowledge with just one click or to be narrow specialists in an area that is interesting to us. It is your curiosity about finding ways to make your money work for you that drives you here now.
When it comes to purchasing receivables, the statement that information is the new gold is completely valid. If you are at the beginning of your experience as a user, then you are probably asking yourself whether you are efficiently allocating your funds and how you can improve your performance. We have prepared some recommendations on how to make iuvo more efficient for you.
Review your portfolio of receivables regularly
The process of purchasing receivables through P2P portals is really easy when you establish a routine and have a clearly defined goal you want to achieve. Until then, it’s good to follow some simple rules. Rule number one: if you have just entered the world of purchasing receivables, you should review your portfolio of receivables regularly. If you use your funds manually, you should always make sure that the your account balance is used in full. You cannot expect return from your free funds, they do not bring you any benefits. Therefore, it is a good idea to keep track of what happens to your account balance and make changes when you consider it necessary. For example, you may see new opportunities to purchase receivables and increase the size of your portfolio on iuvo.
Pay attention to the filters you choose. In your pursuit of optimal returns, you may have narrowed your receivable criteria too much and that may be why your free funds are not being fully utilized. The best advice we can give you is to diversify your receivables. In other words – purchase smaller amounts from more receivables, instead of higher amounts from a few receivables. The reason for doing so: purchasing more receivables can lead to receiving payments more often, thus freeing up new funds to purchase receivables with, and distributing risk as well.
Time for Auto Assign
We understand that your curiosity about purchasing receivables is growing day by day on the portal. It is possible that you get in way too much details when you purchase receivables manually at first, which is good, but is is also challenging. Exploiting your criteria manually takes time to monitor the market and look for the best opportunities for you. We don’t want to make you stop doing it – on the contrary! We want iuvo to be more useful and enjoyable for you. Therefore, if you have not yet tried, we recommend you to test the Auto Assign feature of iuvo as well. Auto Assign allows you to customize your filters as per your preferred criteria, and then it will work instead of you. The first priority of Auto Assign is to always utilize your free funds, which will improve your use of iuvo significantly. Try it and see for yourself.
Competitive expected annual return
If you feel that your realized return is not enough and could increase, it is a good idea to revise your criteria. Carefully review your currently purchased receivables, pay attention to classes, originators and expected annual return, as well as the repayment period of the selected receivables.
Classes of receivables give you information on the probability for delayed installment payments you can expect. It is based on borrower’s profile and previous history with the credit company if there is such. Also take a look at different originators and choose a healthy mix that fits your criteria and goals. Loan receivables of different originators have different repayment periods. All receivables on iuvo come with a contractual obligation of the originators for recovery upon delay, with an activation period of 16, 30 or 60 days of delay. In such cases, you get your money back, so you can use it to purchase receivables again.
Make your money work for you!
