July 14, 2026 News

Do you log into the app almost every day and browse through new loans that match your criteria? Bondster’s investment strategies take over this repetitive task for you: based on the parameters you set once, they automatically search for suitable offers on the marketplace and invest in them – automatically, continuously, and without the need to manually confirm anything. How do they work, and why can they save you time and increase your returns?

Why money sitting idle in an account is not the same as money invested

Having money in an investment account and having money invested are two different things. As long as funds remain uninvested, they do not earn a return—they only begin to grow once they are actually invested in a specific loan. The question, then, is how to ensure that funds do not remain unused—and this is where investment strategies come into play.

On the Bondster marketplace, new offers are added continuously, and those with the most attractive yield-to-collateral ratio often sell out within hours. When investing manually, this means logging in regularly, browsing the marketplace over and over again, and acting fast enough to respond before an offer sells out. If you have available funds at that moment but don’t have a strategy in place to respond to them, you may simply miss out on such an opportunity.

What are Bondster Investment Strategies?

An investment strategy is a tool that invests automatically on your behalf—based on parameters you set in advance. As soon as an offer matching these parameters appears on the marketplace, the strategy will invest in it on its own, without requiring any manual confirmation. Tasks that you would otherwise perform manually—such as browsing offers daily, comparing them, and confirming them one by one—are handled by the strategy without your intervention.

For example, you can set the strategy to search only for new opportunities secured by real estate with a yield of at least 8%. As soon as such an offer appears on the marketplace, the strategy will invest in it immediately—usually before investors who invest manually have a chance to act.

SET AN INVESTMENT STRATEGY

Preset Strategies

If you don’t want to set the parameters yourself, you can choose from preset strategies—Conservative, Balanced, and Dynamic. They differ in terms of expected return and risk. You can find the current parameters and expected returns for each strategy directly on the Bondster website.

Custom Strategy

If you want full control over your settings, you can create your own strategy—choose the type of loans, the maximum exposure per provider, the currency, and other parameters exactly according to your preferences.

How much a well-defined Strategy can yield

The difference between having a defined strategy and leaving funds idle is not just theoretical. Investors who actively define their strategy and do not leave funds uninvested achieve annual returns that are 0.5 to 2.0 percentage points higher.* This higher return is no coincidence: the strategy invests in suitable opportunities the moment they arise. For smaller opportunities with limited volume, this can be decisive—such a loan may sell out before investors managing their portfolios manually even notice it, meaning they may miss out entirely. Thanks to its immediate response, the strategy increases your chances of accessing attractive opportunities in time, while ensuring your funds do not remain idle in your account. A properly configured investment strategy ensures that your available funds never stop working for you.

*Based on Bondster’s internal data (June 2026); the difference varies depending on the portfolio’s structure and maturity.

This is not a promise of higher returns, but a consequence of how the strategies work: funds do not sit idle in your account but are continuously directed toward suitable loans based on your set parameters—including offers that, if you were investing manually, might disappear before you had a chance to act on them.

New: Liquidity Guarantee Strategy

Bondster is launching a new investment strategy called “Liquidity Guarantee,” available in both Czech korunas and euros. The current average return for both currencies is 6% p.a. The strategy invests in real estate-backed loans covered by a liquidity guarantee—investors can exit the investment at any time without a fee.

This will be particularly appreciated by investors who are still deciding where to invest or are waiting for a specific opportunity to arise on the market. In the meantime, your funds don’t have to sit uninvested in your account—you can place them in the Liquidity Guarantee strategy, even for just a week, and let them grow until the investment you’re waiting for becomes available. As soon as such an opportunity arises, you can exit the fee-free investment and immediately proceed with your purchase.

You can also take advantage of the Liquidity Guarantee if your investment strategy prioritizes security and liquidity over returns.

Diversification as a side effect

At the same time, investment strategies automatically diversify your portfolio—they spread your funds across many different loans and ensure that no single lender or loan makes up a disproportionately large portion of the portfolio. This reduces the risk that a problem with one lender could significantly impact the entire portfolio. While this isn’t the main reason to set up a strategy, it’s a benefit you get automatically as part of automated investing.

How to set up a Strategy

Setup takes just a moment and you only have to do it once—after that, the strategy runs on its own:

• Log in to your Bondster account.
• In the “Strategies” section, select a preset option or create your own.
• For a custom strategy, set the parameters—loan type, currency, and maximum exposure per lender.
• Confirm your settings—from now on, the strategy will invest automatically on your behalf.
• You can adjust the parameters at any time based on changes in your preferences or the offerings on the marketplace.

Set up your investment strategy today—reduce the need for manual portfolio management and let your money work to its full potential.

SET AN INVESTMENT STRATEGY

Author: David Jukl, Bondster

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