Choosing investments manually: Carlos’s first year on Hive5

Investing on Hive5 for approximately one year as of Sep 15, 2026.

Carlos was drawn to Hive5 by the interest rates offered. After approximately a year on the platform, he reported receiving repayments as expected. He still chooses his investments manually and checks his account almost every day.

Checking the account almost every day

Carlos prefers to select each investment himself.

"I don't like using automatic investing."

At the time of his interview, he was making larger investments, including some with longer terms. As a result, he no longer had investments reaching maturity every day. He did not describe this as a change in his overall strategy, although he planned to explore investing with Hive5 further in 2027.

The straightforward process and repayments arriving when expected were what made the platform easier for him to use.

"So far, I haven't had any problems, and I think that's a good sign."

Carlos is describing his own experience so far. According to Hive5, loan originators have so far repurchased delayed claims from the first day of delay, returning principal and accrued interest before the 60-day buyback trigger. This past practice does not guarantee future repayments.

A look at his portfolio

As of Sep 20, 2026, Carlos reported a portfolio value of €13,565.50 and 58 active loans.

Comparing terms and interest

When comparing investment platforms, Carlos pays attention to repayment punctuality, the speed of deposits and repayments, and the relationship between a loan's term and its interest rate. He considers that relationship attractive on Hive5.

For a new investor, his advice is to assess payment punctuality, compare terms, interest and minimum investment amounts, and check how quickly money can be deposited and withdrawn.

"Up to now, Hive5 has given me peace of mind and good returns."

Carlos provided his answers in Spanish. The quotations in this article have been translated into English.

Risk Disclosure