Smart-Invest

AUTOMATICALLY BUILD A BALANCED PORTFOLIO

Smart-Invest is an intelligent Crowd2Fund feature, helping our investors automatically invest funds into relevant opportunities. Smart-Invest selects these opportunities based on your desired savings plan and risk appetite. Smart-Invest also gives you loads of one-click features, and builds your balanced investment portfolio automatically.

It’s simple - choose an initial investment amount, monthly investment amount, and desired interest rate. Smart-Invest does the rest.

Crowd2Fund Smart-Invest is not a discretionary investment management service and we do not provide investment advice. You still get alerted about each investment opportunity and therefore still make the choice about each investment.

Getting Started

The Smart-Invest feature can help you take full advantage of your IFISA. Once you’ve set-up your IFISA, you can set up your Smart-Invest from your dashboard. Here you’ll define your investment criteria and set up your savings plan.

The system only invests in opportunities that meet your criteria on a monthly basis. Over time, Smart-Invest will build a balanced investment portfolio for you.

1

Set up your IFISA

Open an account for free & add funds to your Crowd2Fund wallet.

2

Initiate your Smart-Invest

Add your National insurance number to receive tax-free earnings.

3

Define investment

Set your investment goals and Invest as little as £100.

Past performance and forecasts are not reliable indicators of future results. Tax treatment of any of the investment offers will depend on the individual circumstances of each investor and may be subject to change in the future and remember your capital is at risk.

Calculate future potential earnings

£250 £30,000
£
£100 £5,000
£
1 year 10 years
6% 15%

Total Investment

£ 19,400

Total Return

£ 22,727

Target Interest

8.7%

This is the interest rate we will aim to lend at but the actual rate we lend at may be subject to change.

Risk warning

Past performance and forecasts are not reliable indicators of future results. Tax treatment of any of the investment offers will depend on the individual circumstances of each investor and may be subject to change in the future and remember your capital is at risk.

How Smart-Invest Works

The system selects businesses based on the needs and criteria you set in your profile.

Every time an investment is made, you will receive a notification through Crowd2Fund. Repayments on these investments are paid back to you on a monthly basis, and re-invested in new matching opportunities.

Get started

Past performance and forecasts are not reliable indicators of future results. Your capital invested is not covered for compensation in the event of a loss by the FSCS. Tax treatment will depend on the individual circumstances and may be subject to change.

When setting up Smart-Invest, you can specify an upfront investment amount, and then define an ongoing savings plan that works for you. Every month your investment funds are collected via direct debit, and the system selects opportunities that are suited to you — and your appetite for risk.

You can also choose not to re-invest your repayments, which include both your interest and initial loan capital.

You can pause your Smart-Invest plan at any time. You can also potentially access your capital by selling your investments to others on the Exchange.

FAQs

Annual percentage returns

Because you will be investing regularly and in multiple businesses, our 6%-15% APR before fees and bad debt is an estimate of what your returns will be for the next 12 months before our fees and bad debt. You can read about our estimated APR in more detail here.


Access to your capital

If you want to access your capital before the end term of a loan, then you can do so by selling an investment at any time to another investor on the Exchange. You define the sale price depending on how quickly you need the funds and the performance of the investment.


Smart-Repayments

You will receive monthly repayments following the closure of the campaign in which you invested.

If you wish to increase your portfolio ROI, then your repayments can be automatically re-invested on a monthly basis. This is done by agreeing to the 'Re-invest my monthly repayments' tick box on the Settings page. This feature only works for repayments totaling £100 or more.


Smart-Schedule

If you receive lots of small repayments, but don’t want the hassle of re-investing every time, we would like to invite you to set-up a Smart-Schedule. This is allows you to specify the wallet balance at which you wish a Smart-Investment to be made. For example, should you set your wallet balance at £150, the system will automatically invest the total £150 across campaigns that match your desired APR.


Smart-Wallet

The Smart-Wallet allows you to invest in all campaigns that match your criteria instantaneously at the click of a button. You must have more than £100 available in your wallet for this feature to work. Simply click the Smart-Invest button from your dashboard and your investments will be made.


Enhanced features

We are hoping to introduce more advanced features that will let you include more exotic equity investments as part of your portfolio and more advanced profiling to ensure the Crowd2Fund platform understands your risk appetite more accurately, soon.

Risk warning

Past performance and forecasts are not reliable indicators of future results. Your capital invested is not covered for compensation in the event of a loss by the FSCS. Tax treatment will depend on the individual circumstances and may be subject to change. Please see our Risk section before making an investment decision.

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