You can start investing in only two steps: first, select your desired target risk-return and second, agree to terms and conditions. The Portfolio Manager does the rest.

New Portfolio Manager


You now only have to set your Portfolio Manager up once and it will invest at your desired risk-return level. There’s no need to reactivate it at any point in the future even if allocations in your portfolio change over time. The new Portfolio Manager will adjust to these changes on its own.

The Portfolio Manager invests into new loan applications periodically throughout the day. It analyzes your current portfolio, your available capital and all loans available on the market and invests in a sub-set of loans that help you reach your risk-return target the fastest. Just keep in mind that lower risk loans are always preferred over higher risk loans.

P2P lending TIP: Reinvest your returns, don’t let returns sit idle / Use automation to invest-reinvest


Over time your portfolio will most likely change in its allocation and risk level. When previously you had to make all the changes and adjustments manually, now the new Portfolio Manager monitors your portfolio’s current risk-return automatically. Based on the changes it will continuously adapt its future investments to provide you with a portfolio level risk-return that matches your selected level.

The Portfolio Manager continuously measures the risk-return of your portfolio by calculating its weighted average risk. This risk factor is compared to the risk-return target you have set through the product interface and the calculation is done before each investment decision to determine the types of loans that can be added to your portfolio.

New PM_Automatic Risk Balancing


Having a proper diversification is one of the criteria that has the biggest effect on your return. The new Portfolio Manager will make implementing this recommendation a seamless experience since it is fully automated.

The Portfolio Manager takes into account your portfolio size and adjusts the size of each investment that provides an optimal diversification level. Larger portfolios will invest in larger amounts and smaller portfolios in lower amounts. Bid amount changes as your portfolio size changes.

P2P lending TIP: Diversify your loans / Spread your money over many loans

16 responses to “4 major benefits of the new Portfolio Manager”

  1. I won’t use this portfolio manager even if you send me a mail every week how great it is.
    I’m very disappointed how bondora tries to shroud the key numbers on the statistic part of my investment.
    There are defaulted loans and we have to learn how to live with them. They won’t not disappear because you find a new definition. The influence of defaulted loans is very little at the beginning while interest part of payment is high but in the future it will grow and grow.
    So you have to keep defaults in mind.
    Where can I see the fees of the incasso anywhere?

    There is a bug in https://www.bondora.ee/en/MyAccount/MyInvestmentsAll if you use filters – principal overdue is calculated for all loans.

    Per your definition if a loan is 60+ the borrower has to pay at once the whole principal. So the displayed value of overdue principal is not correct. It should be the whole outstanding principal of the defaulted loan and not the part of the past.

    I feel manipulated by that what you are showing as now and I don’t like that.

    • Exactly right and I will go more far than that. I feel cheated. My current profit are only the money I can realistically recover. All defaulted loans are sellable for like 20% face value top, overdue loans for like 40%, rest for 98-100%. Taking this into account, I am currently in 9-11% loss and not in 20% profit as bondora is trying to tell me. If I turn on portfolio manager I have no say into whether bondora will put my money into some other experiment like Slovakia. I wan’t at least this level of control because bondora does not guarantee me ANYTHING. As someone said, give me face value of principal guarantee if I go for portfolio manager and I am all in and I will trust you that you will do your best to pick the right borrowers, but what I see now, you just take almost any crap, just to make your fees. When I can filter it, it is not great, but it is OK, but when you take this option from me, I am going somewhere else and luckily there are more and more P2P systems springing up all around so I will have my free choice. You are slowly but surely going to hell.