The Automatic investment function allows investing a pre-determined investment amount in loan projects based on stipulated risk, geography, and term preferences. Investors can create their own automatic investment algorithm or use our offered strategies. Using Auto-invest ensures that you do not miss great opportunities and achieve a well diversified portfolio.
How to set up Auto-invest
The first step is to access the Auto-invest area. You need to login into your profile and then in the Invest menu choose Auto-invest. We offer to choose one of the predefined strategies by Capitalia or create your own customized strategy. In predefined strategies, you only need to enter the Total investment amount. In the Custom strategy, you choose settings such as Countries, Term, interest rate, and can adjust the desired allocation to each Risk rate.The essential part of any Auto-invest strategy is choosing the total investment amount (Investment amount field) that you want to achieve with this strategy. We recommend building a portfolio of at least 50 different projects, however, the more projects you invest in the more diversified your portfolio will be, meaning that any single project delay or loss will not have a significant impact on overall portfolio performance.
The final step is to Activate and Save your strategy as shown below:
Once you Activate and Save your strategy it will be running until you turn it off. Once the target is reached, Auto-invest will resume investing once any of the previous projects are repaid. Auto-invest works ONLY when your Wallet balance is sufficient for the next investment.
Tips on auto-investing
The smoothest automatic investing so far
The intended way of using Auto-invest is to invest in a large number of projects, maximizing diversification instead of picking projects individually. For this the Investment Wallet feature brings the true benefit of automated investments - you add funds once to your wallet and everything else is taken care of automatically. Just make sure to add enough funds to the wallet to last either for the total strategy amount or at least for 1-2 months' worth of investments. Reach out to us at support@capitalia.com and we can indicate this specific amount suggested for your individual strategy.Why it is important to keep funds on the Investment Wallet
All investments, including auto-invest are possible only from the available wallet balance. This means you should keep the wallet balance sufficient at all times. If you wish your portfolio to be growing, we recommend to keep your Investment wallet balance enough for at least 2-3 new investments, based on your usual investment per project size.Tip on the Total investment amount
We suggest increasing the Total investment amount by +10-20% above your desired value. Investment distribution to risk classes is rounded down, which results that the Total investment amount is not being utilized in full.Example case, Balanced strategy, Total investment 5,000, investment in one project 200.
Resulting utilization: 4,800 investable amount
- A+ 2 x 200
- A 4 x 200
- B 12 x 200
- C 5 x 200
- D 1 x 200
In case you wish to try investing in every project, we would suggest to set the Total investment amount much higher than wanted and then add funds to your wallet at a pace comfortable for you. Auto-invest works only when there are enough funds on the investment wallet.