Categoría: Investment

Invertir es una de las formas más valiosas de sentirse seguro acerca de tu futuro financiero. Antes de realizar cualquier inversión, un principio innegable debe guiarte: diversificar continuamente tus inversiones. La diversificación implica poseer diversos activos que generalmente se desempeñan de manera diferente con el tiempo. Sin embargo, no garantiza contra pérdidas, pero definitivamente minimiza el riesgo.

La importancia de la diversificación

Diversificar las inversiones es esencial porque no todas las inversiones llevan el mismo riesgo. Además, los recientes eventos sociales y económicos nos han enseñado que debemos ser cuidadosos y diversificar nuestras inversiones. Haciéndolo correctamente, podemos estar seguros de que si una inversión está a la baja, no necesariamente toda la cartera está a la baja; aún puedes obtener un rendimiento y terminar con un promedio ponderado de los rendimientos de los activos.

Lo que es más importante hoy en día, diversificar tus inversiones ayudará a gestionar el riesgo de la inflación. Cuando los precios al consumidor aumentan, el poder adquisitivo disminuye. Por lo tanto, todos necesitan gestionar el riesgo en un entorno tan impredecible.

El principio básico de la diversificación

La forma principal de diversificar tu cartera es distribuir tu dinero entre diferentes clases de activos. Además, asigna esos fondos dentro de otros tipos de esas clases. Por ejemplo, también podrías invertir en plataformas de préstamos P2P, bonos y bienes raíces, en lugar de invertir solo en acciones. En consecuencia, si eliges invertir en una plataforma P2P, recomendamos elegir préstamos para negocios y bienes raíces en lugar de invertir solo en préstamos personales.

Cómo diversificar con «Hive5»

Si prefieres invertir solo en acciones, las inversiones alternativas pueden beneficiar tu cartera debido a la alta complementariedad con otras inversiones tradicionales. Además, estamos haciendo nuestro mejor esfuerzo para darte la posibilidad de una amplia diversificación en nuestra plataforma. Con la función de Inversión Automática, puedes automatizar fácilmente tu inversión en varias notas en «Hive5». Selecciona un perfil de Inversión Automática de acuerdo con tu apetito de riesgo.

En un futuro próximo, ofreceremos muchos tipos diferentes de préstamos. De hecho, todos los tipos de préstamos diferentes llevan otros riesgos en muchos sectores empresariales. También pueden crear una diversificación significativa. Ten en cuenta que hay muchas formas de diversificar: entre diferentes países, cantidad de préstamos, rendimientos de la inversión, diversas industrias (para préstamos comerciales) y muchos otros factores.

En resumen

En conclusión, permanecer diversificado es una excelente estrategia de inversión. Más importante aún, puede generar rendimientos increíbles a largo plazo y ofrecer a los inversores una excelente protección contra el riesgo durante ese tiempo. Así que sé un inversor inteligente y siempre diversifica.

We believe the financial system should be built to work for every business and every person. That’s why we have launched a digital investment marketplace, «Hive5». We aim to provide liquidity and inject stability into the financial market. Hence, from now you can invest on our brand new, simple-to-use online platform.

«Our goal is to become a leading multinational crowdlending partner by providing our often-underserved customers with fast and simple financing solutions. While traditional institutional lending organizations are becoming slowly adaptable in the fast and innovative world of financing, crowdfunding platforms are more reflective of consumer, business needs and investors’ goals», says Founder & CEO of «Hive5» Ricardas Vandzinskas.

We feel excited to show you how simple investing could be. In under 10 minutes, you could create your investment account and start investing in consumer loans from Poland by earning up to 13%. Many people think: «To start investing, you need a lot of money». On «Hive5», you could begin your investment journey with as little as 10 Eur. We aim to make investing a straightforward and satisfying experience.

It is important to note that the risk is always involved in an investment. We recommend our customers «Don’t put all their eggs in one basket», in other words, to diversify their funds. Along the way, we will offer more investment projects to invest in, such as business loans, green loans, equipment leasing, real estate loans and venture loans.

What’s more, as we have been investing ourselves in different markets, we know how important money security is. Thus, all investors’ money will be securely held in a separate bank account; the money could be withdrawn at any time, even in case of any unpredicted events related to the platform. «Hive5» is a 3rd party between the borrowers and the investors, so all investing contracts are signed between these two parties. «Hive5 » is registered in Croatia and follows the compliance of European Crowdfunding Service Providers Regulation.

Furthermore, we will protect invested funds by giving a buyback guarantee in case the payments are delayed for more than 60 days. The Loan Originator will be obliged to redeem the investment with all accrued interest following the Investment Agreement.

Finally, we hope you will like the platform as much as we do. Let’s together change the way people and businesses feel about finances.

We believe the financial system should be built to work for every business and every person. That’s why we have launched a digital investment marketplace, «Hive5». We aim to provide liquidity and inject stability into the financial market. Hence, from now you can invest on our brand new, simple-to-use online platform.

«Our goal is to become a leading multinational crowdlending partner by providing our often-underserved customers with fast and simple financing solutions. While traditional institutional lending organizations are becoming slowly adaptable in the fast and innovative world of financing, crowdfunding platforms are more reflective of consumer, business needs and investors’ goals», says Founder & CEO of «Hive5» Ricardas Vandzinskas.

We feel excited to show you how simple investing could be. In under 10 minutes, you could create your investment account and start investing in consumer loans from Poland by earning up to 13%. Many people think: «To start investing, you need a lot of money». On «Hive5», you could begin your investment journey with as little as 10 Eur. We aim to make investing a straightforward and satisfying experience.

It is important to note that the risk is always involved in an investment. We recommend our customers «Don’t put all their eggs in one basket», in other words, to diversify their funds. Along the way, we will offer more investment projects to invest in, such as business loans, green loans, equipment leasing, real estate loans and venture loans.

What’s more, as we have been investing ourselves in different markets, we know how important money security is. Thus, all investors’ money will be securely held in a separate bank account; the money could be withdrawn at any time, even in case of any unpredicted events related to the platform. «Hive5» is a 3rd party between the borrowers and the investors, so all investing contracts are signed between these two parties. «Hive5 » is registered in Croatia and follows the compliance of European Crowdfunding Service Providers Regulation.

Furthermore, we will protect invested funds by giving a buyback guarantee in case the payments are delayed for more than 60 days. The Loan Originator will be obliged to redeem the investment with all accrued interest following the Investment Agreement.

Finally, we hope you will like the platform as much as we do. Let’s together change the way people and businesses feel about finances.

Creemos firmemente que un negocio responsable y, lo más importante, transparente, puede lograr mejores resultados. Desde el principio, hemos reunido a expertos en finanzas y tecnología para construir una plataforma inteligente de préstamos entre particulares (P2P) que pueda ayudar a tomar decisiones de inversión simples. Además, hemos creado una estructura de gobernanza que proporcionará soluciones aún más integrales para el negocio diario. Nuestro objetivo es construir un entorno de confianza que sea necesario para fomentar la inversión a largo plazo, la estabilidad financiera y la integridad empresarial.

Deseamos enormemente crear una estructura de gobernanza única que pueda generar cambios en el actual sistema financiero complejo. Ha sido opaco durante demasiado tiempo. Queremos marcar la diferencia, para que cada empresa en crecimiento y cada inversor puedan desbloquear su máximo potencial financiero. Por ello, hemos formado el Comité de Supervisión. El grupo de supervisión independiente une a expertos en finanzas, tecnología, legal e IT. Además, el Comité de Auditoría gestiona la conformidad, el riesgo y la auditoría. La tarea principal de nuestra gobernanza es crear el marco de gestión que pueda guiarnos a través de cada posible intervención, recuperación y resolución.

La gobernanza corporativa de «Hive5» garantiza que se celebren reuniones regularmente, se mantenga el control sobre el negocio y sea evidente en la división de responsabilidades. Además, un sólido equipo ejecutivo trabajará de la mano con la gobernanza para alcanzar los objetivos comerciales.

De hecho, el objetivo más significativo es construir un sistema financiero con y para todos.

We believe «transparency» is not just a nice word which could attract people to invest on the platform; transparency is a combination of actions that must be at the forefront of any investment platform’s business strategy.

Let’s be specific, the most important rule is if you want to invest your money safely, do your research about the company, and always know how they protect your invested funds. Accordingly, we would like to provide relevant information, allowing investors to conduct assessments before making investment decisions.

Responsible lending

«Hive Finance» and its loan originators greatly emphasise responsible lending. It means our loan originators act in a customer’s best interests, ensuring affordability, transparency of terms and conditions, and supporting borrowers if they experience repayment difficulties. There are no hidden fees or penalties, and all terms and conditions are clearly explained upfront. Loan originators communicate openly and transparently with their customers, and so does «Hive5 «. Additionally, our Loan Originators are selective in approvals to loan applications. They use hi-end self-learning risk decision engines with the broadest range of information available to access applications and underwrite loans to a high standard.

Performance communication

«Rome wasn’t built in a day», likewise, building investors’ trust is consistent and long work. It takes time. We know how poor communication could hurt performance and trust. Accordingly, our Loan originators provide regular reports about their business performance, including the main risk factors that could influence their daily operations. «Hive5» provides regular publications, monthly performance statistics, audit reports, business plans, interviews with Loan Originators, the management board and Q&As with investors. Thufermore, if you need any information, we are always happy to help you via phone, email or any social media channel we use. Just let us know.

Corporate governance

A Supervisory Board and Audit Committee supervise the company’s activities and processes. It consists of independent experts in fintech, finance, legal and IT. In addition, the management board can be proud of strong and experienced managing executives responsible for risk management. Our executive management has a solid track record and experience in multi-geographic lending.

Protection of your funds

Firstly, loan originators follow the strategy to minimise the default risk to protect your investments. Hence, Loan Originators work closely with their customers to resolve any issues if their situation changes and they experience any difficulties. In simple terms, it is always worth having a solid understanding of and a good relationship with your customers. Also, we will offer our investors a multi-diversified investment strategy with the possibility to customise it based on loan grading, geography, duration and other factors.

Secondly, we protect invested funds by giving a Two-layered buy-back guarantee in case the payments are delayed for more than 60 days. It means: that first, the Loan Originator and then «Hive finance» will be obliged to redeem the investment with all accrued interest following the Assignment Agreement. It reduces the need for investors to worry about bad debt.

Moreover, all investors’ uninvested funds are securely held in a separate bank account. So, the money can be withdrawn at any time in case of any unpredicted events related to the platform.

Globally, the regulation of P2P lending has evolved significantly in recent years, with mostly beneficial effects on the diversification and security of your investments. Regulatory responses have varied greatly between countries. Meanwhile, the latest European Crowdfunding Service Providers Regulation harmonises the requirements for the operation of crowdfunding services across the European Union, opening up the possibility of providing crowdfunding services in other EU countries. For that reason, «Hive5» is registered in Croatia and follows the compliance of European Crowdfunding Service Providers Regulation.

Final note

Finally, as the alternative finance market rapidly matures, it will likely hit a few speed bumps. Therefore, we believe it is essential to be as transparent as possible to ensure that P2P lending is worthy of becoming a mainstream finance product.

We promise to focus on originating quality investments and also invest in technology and operations to better serve and secure our investors.

The global pandemic showed how strongly different circumstances are out of our control. Investing is a perfect habit as it gives you at least partial control over your financial stability. Every year, hundreds of thousands of people invest on P2P platforms; and while it is a simple and quick way to get good returns on investments, it is essential to understand the risks and benefits of a particular investment tool.

PROS

Higher interest rates

A more direct and straightforward investing approach allows for a higher return on investment. Hence, it is usually considered the most significant advantage for many P2P investors. For instance, with «Hive5», you could earn up to 19% annual return. The P2P platforms have fewer overheads than institutions providing traditional investing methods; for that reason, investing on a P2P platform offers to earn significantly more interest than choosing a traditional saving account.

Easy to Diversify

Most P2P platforms offer various options to invest funds in whatever way investors want. You may diversify your investment across different types and amounts of loans, countries, loan originators, etc. Apart from consumer loans, soon, on «Hive5», you will be able to invest in equipment leasing, business loans, real estate projects, and green loans. To be clear, it is essential to spread the risk and not put all your money into one loan.

Easy to Use

Luckily, investing is becoming more and more user-friendly experience. In fact, many investors find that P2P platforms are relatively easy to use compared with other investment types, such as stocks and shares. Moreover, as an investor on a P2P platform, you stay well-informed about the borrower, loan originators, and your investments’ statistics. Indeed, we assure you that if you choose to invest with «Hive5», you will be serviced by our friendly team who is always ready to assist you in this exciting investment journey.

More transparency

We strongly believe the best piece of advice which we could give you before investing is – you should always do your own due diligence. Most of the P2P platforms communicate their transparency as the biggest advantage. Hence, by investing in a particular loan, you can know the purpose, how the funds will be used, and usually their risk score. Besides, the reliable P2P platform always provides the needed information about the company’s management. Generally speaking, it’s always a good idea to check out who is running the platform, their professional backgrounds, and how their words meet reality. (Here, you can learn more about the Co-founders of «Hive5»).

Nevertheless, investing on P2P platforms comes with a few disadvantages.

CONS

Taxes

While enjoying a return on investments, remember that you will have to pay tax for interests you have earned. Thus, whatever money you earn from your P2P investment, you have to declare on your annual tax return and pay interest by your country’s tax obligations.

No government protection

Unfortunately, the government does not provide insurance or any form of protection to the investors in case the money you invested is not paid back. Nevertheless, our processes are created to protect users against the risk of defaulting borrowers. The «Hive5» platform gives an extra security on every investment – it is a «Buyback guarantee «. Therefore, the money will be repaid to investors even if the borrowers default for more than 60 days.

It could take time to withdraw invested funds

It might not be available to take out your invested money immediately during a loan agreement (or on some platforms, you might be charged interest for it). The process may not always be as quick as you might like. On the other hand, if you plan a big purchase shortly, always choose short-term loans, as it could be easier to manage your portfolio.

Weight of Pros vs Cons

As with all financial decisions, the right one should be personally made by you. No doubt, a P2P platform is an effective way to diversify your portfolio or start investing if you are a beginner. However, there’s always some risk associated with every investment, and P2P lending is no exception. We always recommend you diversify all your investments.