This post is also available in: Deutsch (German)
After I took a closer look at Viainvest I have a positiv attitude towards the platform. I would like to give you an update how it is going for me.
Below you can see the overview of my (2nd) account (yes, I got more then one) at Viainvest. I have deposited EUR 1’000 at the end of February and for testing purposes I let my AI manage it for me. I just logged in once and sometimes checked my daily summary which I received per email. It worked smoothly, except for one weekend when the AI seemed to have gone on vacation ;). Afterwards all went fine again, but there is room for improvement….
…. for the autoinvest
If you examine my account overview you will see that there are EUR 5.66 on my account, which are not invested… catastrophic 😉 Just kidding, I could ignore this circumstance, but my ego doesn’t let me 😉 Especially when you look at my last investments I really ask myself why the autopilot has not just invested 4 x 20, as there were plenty of loans available. I did notice such situations here and there. No big deal, after one to two days all repayments were invested again and my account was empty, or some cent were left only.
I now try to resolve this situation by creating additional autoinvests (10 & 15 Euro). As we are at it, I will show you below how an AI is set up. The main problem with my situation seems to be that the definition of the bid amount does not work properly. The set bid amount is as well the max investment for a loan. So when I set it at 20 Euros, I guessed that every amount within 10 Euro (min investment) and 20 Euros could be bid. This does not work as it should, and therefor some new AI’s come in to play. You can call me crazy, but such situations keep me from sleeping. Ok not really, but once I caught fire with something, I have to solve the problem 😉 And yes, I am bored at the moment 😉
How to set up an autoinvest
Go to your account and click on Invest -> autoinvest -> create new. Now you should see the detailled AI settings which filled out look like this:
Actually all is really selfexplanatory and therefor I will only describe the important details. I have put in 100k for portfolio size, I cannot invest that much, this setting just makes my life easier. If I decide to deposit more funds, I don’t have to remember to adapt this setting, as the AI keeps the invested funds at 1k, and all money above this barrier will not be invested. The interest rates are set from 12.2 to 15 percent, the “to” field cannot be left empty. Duration is set to two months, just to be sure to include loans, if there ever are any, with a duration of more then 30 days. At the end you have to check the terms and conditions (not on the picture) and save it. Voila, your AI is ready.
A short conclusion
Viainvest works really good and I hope my measures will help as expected. I will report back in some days/weeks and let you know if more AI’s are beneficial or not.