Investing Auto Invest is a rules-based feature that automatically allocates uninvested funds available in your Hive5 account to investments that match the criteria you set.
It does not use AI to select the “best” investment, assess which settings are appropriate for you or change your preferences automatically. It follows the rules defined in your strategy.
When Auto Invest makes an investment, you acquire claim rights under the applicable Investment Agreement in the same way as when investing manually.
How Auto Invest works
- You create an investment strategy. You define the maximum portfolio size, the amount that may be invested in one loan, selected Loan Originators, preferred loan terms and annual interest-rate range.
- Hive5 checks available investments. Auto Invest reviews investments made available on the Hive5 marketplace.
- An investment must match all selected criteria. A loan is eligible only when it falls within every range and belongs to one of the Loan Originators selected in your strategy.
- Funds are allocated within your limits. Auto Invest invests within the minimum and maximum amount per loan, without exceeding your available balance, the amount still available in the loan or the strategy’s portfolio limit.
- Repayments may be reinvested. When Reinvest is enabled, repaid principal and earned interest may be used for new investments that match the strategy.
Important: Auto Invest does not guarantee that your funds will be invested immediately or in full. Investments must be available on the marketplace and must match all criteria in your strategy.
Example
Assume you have €1,000 available in your Hive5 account and create the following strategy:
- Portfolio size: €800
- Investment size: €10–€50
- Selected Loan Originators: A and B
- Loan term: 30–365 days
- Interest rate: 13%–16%
- Reinvest: enabled
An investment from Loan Originator A with a 180-day term and a 14.5% interest rate matches the strategy and may receive an allocation between €10 and €50.
An investment does not qualify if, for example, its term exceeds 365 days, its Loan Originator was not selected or its interest rate is below 13%.
Auto Invest continues allocating funds to matching investments until the active portfolio reaches €800, no further matching investments are available, the available account balance becomes too low or the strategy is stopped.
The remaining €200 is not used by this strategy because its portfolio limit is €800.
Important to know
Auto Invest is an execution tool. It applies your criteria mechanically and does not:
- assess whether an investment is suitable for you;
- independently review a Loan Originator’s financial position;
- guarantee diversification;
- guarantee a particular interest return;
- guarantee that all available funds will be invested;
- cancel an existing investment if it later falls outside your preferred criteria.
Review your Auto Invest strategies regularly, particularly when available interest rates, Loan Originators or loan products change.
Investing through Hive5 involves risk. Before investing, review the relevant investment information, Loan Originator information, risks and applicable Investment Agreement.
