Thibaud’s weekly investment routine with Hive5
France · Investing with Hive5 for almost three years as of
Thibaud discovered Hive5 through an Instagram creator he trusted, who was building their own financial capital. Almost three years later, he described some early hesitation due to his lack of experience, alongside the continued pleasure and simplicity of investing.
A weekly check-in
Thibaud logs in once a week to see whether his investments have reached maturity. When choosing his next investments, he looks for the highest interest rate available, whether the term is short or long.
"Investing: simple, clear and transparent."
Regular communication and quick replies
Asked what gives him confidence in Hive5, Thibaud pointed to regular communication and quick replies when a problem arises. One example he recalled was a 48-hour interruption to the investment service. He praised the way the team followed up:
"Impeccable follow-up and €30 in compensation. Well done."
Investing when his salary arrives
Thibaud described his investment routine as a discipline: investing when his salary arrives and setting himself a €5,000 goal. At the time of his response, he said he was taking a pause.
He reported that his returns had risen steadily and matched what the Instagram creator had told him. He had experienced no unpleasant surprises.
When asked what distinguished Hive5 from other platforms, his answer was brief.
"The simplicity of Hive5."
A look at his portfolio
The dashboard Thibaud supplied showed a total balance of €5,086.14, all invested, with €0 available. It displayed a net annual return of 13.90% and €728.86 in profit.
There were 21 investments in the portfolio, with none in the visible late-payment categories. These figures describe his account at the time of the screenshot.
€5,086.14 Total balance |
13.90% Net annual return |
21 Investments |
His advice for getting started
Thibaud would tell a friend to treat the money invested as a long-term commitment.
"Don’t count on the money you invest on Hive5; it is a long-term investment."
His personal suggestion for a starting amount was €1,000. He explained that seeing only a few cents in initial earnings could feel discouraging, bearing in mind that the quoted interest rate is annual. The amount someone chooses to invest will depend on their own circumstances.
Thibaud provided his answers in French. The quotations in this article have been translated into English.
Risk Disclosure
This case study describes one investor’s personal experience and does not represent the results that every investor may achieve. Past performance is not a guarantee of future results.
Investing through Hive5 involves risk, including delayed or failed repayments, Loan Originator credit risk, limited liquidity and the possible partial or total loss of invested capital. Investments are claim rights, not bank deposits, and are not covered by a deposit guarantee or investor compensation scheme. Any Buyback Obligation depends on the relevant Loan Originator’s ability to fulfil it.
