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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 of expected annual return to us. It is your curiosity about receivable that drives you here now.
When it comes to receivables, the statement that information is the new gold is completely up to date. If you are at the beginning of your experience as an 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 more efficient receivables.
Review your portfolio regularly
Purchasing of receivables in P2P loans is really easy when you establish a routine and develop a personal purchasing of receivables strategy. Until then, it’s good to follow some simple rules. Rule number one: if you have just entered the receivable world, you should review your portfolio on a regular basis. If you purchase your funds manually, you should always make sure that the amounts in your portfolio are always purchased. Free funds do not bring you profit and you don’t benefit from them, therefore it is a good idea to keep track of what happens to your account and make changes when you consider it necessary. For example, you may see new opportunities to purchase further and increase the size of your portfolio.
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 allocate your receivables. In other words – purchase smaller amounts in more loans, instead of higher amounts in few loans. The reason for doing so: receivable in more loans has a faster return, thus freeing up new funds for receivables and distributing risk as well.
Time for Auto-Purchase
We understand that your curiosity about receivables is growing day by day on the portal. Opportunities to get into the details of manual purchasing of receivables are particularly competitive at first, but also challenging. Exploiting your manual receivable strategy takes time to monitor the credit market and find the best opportunities for you. We don’t want to make you stop doing it – on the contrary! We want receivables to be useful but also enjoyable for you. Therefore, if you have not yet tried, we recommend you to test the Auto-Purchase feature of iuvo as well. Auto-Purchase allows you to customize your filters as per your preferred criteria, while at the same time you have the guarantee that it will look for the best options for you. The first priority of automatic purchasing of receivables is to always utilize your free funds, which will significantly improve your receivable performance. Add it to your receivable strategy and see for yourself how efficient it is. You can learn more about Auto-Purchase here.
Higher yield
If you feel that your yield is not sufficient and could increase, it is a good idea to revise your portfolio. Carefully review your current receivables in loans, pay attention to classes, originators and annual yield you earn from them, as well as the repayment period of the selected loans.
Classes of loans give you information on the average default rate you can expect. Default occurs when a loan is no longer duly and timely repaid. Also look at different originators and choose a healthy mix that fits your receivable strategy. Loans of different originators have different repayment periods. All loans with iuvo are secured by a buy back guarantee the term of which is 16, 30 or 60 days. In the event of a loan default, the buy back guarantee is activated within the specified period, and you receive your money and can purchase it again. Pay attention to loans with 16 and 30-day guarantee. Last but not least, purchase in a currency in which there are sufficient available loans. This is another direction in which you can diversify your portfolio.
Test our recommendations and see the differences in improving your receivable efficiency. We wish you success!
