February 3, 2026 For investors | Tips and advice

Preset Investment Strategies

Diversification constitutes an integral part of managing your investments. Standard mechanisms and rules that apply to investing in general, apply to investing on Bondster as well. Their specific implementation, however, differs slightly in the case of P2P platforms, as you do not build your portfolio from standard types of investments, such as stocks or bonds, but from loans offered on the platform. When investing on Bondster, you can use Autoinvest and the newly launched preset investment strategies to help you diversify your portfolio. How do they work and what are their benefits? Read on.

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How the preset investment strategies work

When using automated investing, you can choose from three strategies for the euro market and two strategies for the Czech crown market. We recommend starting with strategies for the euro market and choosing the one that best suits your investment profile and horizon. Strategies vary according to your preferred risk and return, with all three strategies applying the principle of thorough diversification. Especially novice investors may not be fully aware of the benefits these strategies offer, such as that they save a lot of time and help create a broadly diversified portfolio.

The invested funds are divided into many loans, with a maximum of 15% invested per provider. A maximum of 20% is invested in one loan. The strategies also observe the rule of not investing more than 15% of funds with one provider. Therefore, if you invest €100 using one of the strategies, a maximum of €15 will be invested in one loan. In all strategies, the returns are automatically reinvested. Each strategy also includes a assessment in letters that tells investors how financially strong each provider is. Read more about the assessment and how it is assigned.

High-yield strategy

This strategy aims for building a portfolio with the highest return by investing in loans with the highest interest rates which are usually secured by a buyback guarantee, but not always. Loans across the whole euro market are used. The strategy automatically reinvests returns which reach about 12,05% per year.

Conservative strategy

Invests in loans from the most reliable providers. Eligible loans always include a buyback guarantee, and their returns are automatically reinvested. The average annual return on this strategy can reach 11.75%.

Diversified strategy

This strategy offers the best diversification possible and uses all loans offered on Bondster Marketplace. It invests in loans with and without a buyback guarantee and reinvests the principal received including interest.
Try out the Diversified strategy or other Bondster strategies that will save your time, diversify properly and generates high returns.

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Custom Strategy and Diversification

In addition to preset strategies, a custom strategy can also help you achieve effective diversification. We have incorporated a wide range of settings into the custom strategy feature specifically so that you can tailor your portfolio entirely to your preferences. Investments in loans denominated in Czech crowns start from CZK 100, while investments in euro-denominated loans start from as little as €5. The Bondster marketplace currently offers several thousand loan opportunities on both the primary and secondary markets. New loan offers are added to the platform on a regular basis.

A broad selection of loans combined with a very low minimum investment makes it possible to significantly spread risk. Even with a relatively small portfolio of €1,000, you can invest in up to 200 loans with different maturities and from various providers. These 200 loans can be acquired automatically using a custom strategy. As a general rule, the more instruments a portfolio contains, the lower its volatility. However, the greatest diversification benefit is achieved when the portfolio is spread across approximately 50 investments. With each additional investment, the marginal diversification benefit increases only gradually.

At the same time, investors must carefully consider which loans they invest in. It is essential to ensure that funds are allocated across loans from different providers. If you use custom strategies, remember to update them regularly so they also include loans from newly added providers on the platform. The Bondster marketplace features loan providers from various regions, each with different client approaches and loan parameters.

It is also advisable to diversify over time by investing in loans with different maturities. This helps ensure a steady flow of returns to your account. Even if the repayment of a particular investment is delayed, the resulting shortfall can be offset by cash flows from other loans.
And how do you access the custom strategy? In the application, you will find it under the Strategies tab, in the last column. Click Select, and you can configure it according to your preferences.

You can also access the custom strategy in the Investment Offers section. Once this page is displayed, simply click on the preset filter. You can then refine your selection using the advanced filters, where you define the requirements for your strategy, and at the bottom of the same page click “Create Autoinvest.” You will then be redirected to a page where you can review your settings, name your custom strategy, set a target amount, and confirm it.

Diversification by liquidity

Your liquidity preference constitutes another important criterion when choosing loans to match your investment profile. In other words, what is the latest time you are comfortable turning your investments into cash if necessary. Bondster offers a range of loans with various maturities, so there is a lot to choose from.

Moreover, Bondster offers a unique possibility to withdraw from an investment before its maturity for a fee ranging from 0% to 2%. Investments can usually be terminated on a monthly, quarterly, semi-annual and annual basis or even at the discretion of the investor. Therefore, if you suspect you might need to withdraw your invested funds in the future unexpectedly, we recommend choosing especially the loans that come with the immediate liquidity guarantee feature. If you have a longer-term horizon, you can choose your investments from the entire investment offer.

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Diversification by providers

There is a certain amount of risk associated not only with individual loans but also with providers, some of whom might fail to meet their obligations. From an investor’s point of view, this scenario may include situations when the company goes bankrupt, does not make buybacks as obliged or fails to allow investors to withdraw from an investment.

Several criteria are looked into when assessing a provider. The better the company’s financial results, the lower the risk of its bankruptcy, as it has been probably able to create more reserves for hard times and cover non-performing loans. Investors, however, do not have to worry too much about the bleakest scenario in which the provider goes bankrupt. Should this happen, their share of the loan and all its essentials remain the same while Bondster undertakes the role of the provider itself. However, this process can take up to several years to settle. In reality, this means that Bondster continues to manage or recover the loan while everything stays the same for investors. All companies that are currently offering loans on Bondster are scrutinized by the Risk Department, which rates them according to the information available. Investors can then use the assessment to understand the risk associated with every particular investment.

Where to invest a million

Investing through P2P platforms continues to grow in popularity. We are seeing a steady increase in the average amount of invested funds, which comes as no surprise given the very attractive returns. Portfolios worth CZK 1 million are no longer uncommon. How should a portfolio of this size be diversified?

We strongly recommend allocating investments between Czech crowns and, in particular, euros, while also making use of preset investment strategies that correspond to your investment profile. When using a custom strategy, it is advisable to set the maximum investment per loan in such a way that the portfolio is fully invested within the following days, preventing unnecessary idle funds from remaining in your virtual account. For example, if you set a maximum investment of €40 per loan for a sub-portfolio of €30,000, you can expect the entire amount to be invested within a few days.

If the invested amount is CZK 250,000 and you set the maximum investment per loan at CZK 15,000, this volume can likewise be fully invested within several days to a few weeks. With these optimally chosen amounts, the full CZK 1 million portfolio can be invested across all Czech-crown and euro-denominated loans available on the marketplace. Such complete portfolio diversification can be configured using a custom strategy in as little as ten minutes.

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Author: David Jukl, Executive Director / Head of Front Office

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