{"id":15997,"date":"2018-08-10T15:17:33","date_gmt":"2018-08-10T12:17:33","guid":{"rendered":"https:\/\/www.bondora.com\/blog\/?p=15997"},"modified":"2018-08-10T15:17:33","modified_gmt":"2018-08-10T12:17:33","slug":"go-grow-portfolio-distribution-and-more-peer-to-peer-lending-blog","status":"publish","type":"post","link":"https:\/\/goandgrow.eu\/en\/blog\/go-grow-portfolio-distribution-and-more-peer-to-peer-lending-blog\/","title":{"rendered":"Go &amp; Grow portfolio distribution and more \u2013 Peer-to-Peer lending blog"},"content":{"rendered":"<p align=\"left\">Since we officially released Go &amp; Grow in June, it\u2019s received enormous popularity from the investor communities. Along with this, we\u2019ve had several questions asking us to go into further detail about what happens in the background. Namely, asking us to cover how we distribute the claims added to Go &amp; Grow, what the most popular ratings are and more.<\/p>\n<p align=\"left\">In case this is the first time you\u2019re hearing about Go &amp; Grow, we\u2019ll give you a brief overview of what it is and its main features below.<\/p>\n<h2>What is Go &amp; Grow?<\/h2>\n<p align=\"left\">Go &amp; Grow is Bondora\u2019s most simple and automated service to help you achieve financial freedom. You don\u2019t need any experience to get started, no matter what your age is or background in investments.<\/p>\n<p align=\"center\">\n<h3>Here are some of the main benefits:<\/h3>\n<ul>\n<li>6.75%* p.a. yield<\/li>\n<li>Faster liquidity<\/li>\n<li>Lower risk<\/li>\n<li>You only pay tax when you make a withdrawal over your capital amount invested<\/li>\n<li>Transfer your existing Bondora investment portfolio to Go &amp; Grow<\/li>\n<li>You can set up an auto-transfer from your existing portfolio to Go &amp; Grow<\/li>\n<li>A flat \u20ac1 withdrawal fee, no matter the size of the account<\/li>\n<li>Great for beginners<\/li>\n<li>No annual management fees<\/li>\n<li>Share access to your Go &amp; Grow account with the people you trust<\/li>\n<\/ul>\n<p>If you want to read more about Go &amp; Grow, <a href=\"https:\/\/www.goandgrow.eu\/en\/goandgrow\">click here<\/a>.<\/p>\n<h2>How does Go &amp; Grow work?<\/h2>\n<p>If you\u2019ve read any of our <a href=\"https:\/\/www.goandgrow.eu\/blog\/\">other blog posts<\/a>, you\u2019ll know we always preach diversification. Instead of investing everything into one credit rating, we\u2019ve distributed the claims across all eight credit ratings ranging from AA-HR. The lowest distribution is in AA ratings, followed by A and HR.<\/p>\n<p align=\"center\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-15999 \" src=\"https:\/\/www.goandgrow.eu\/blog\/wp-content\/uploads\/Go-GROW-POrtfolio-distribution.jpg\" alt=\"Go &amp; GROW POrtfolio distribution\" width=\"673\" height=\"450\" \/><\/p>\n<p><strong><em>Figure 1a &#8211; Go &amp; Grow Portfolio Overview <\/em><\/strong><\/p>\n<p align=\"left\">The largest distribution is in F rated loans (21.4%), followed by C (19.98%), E (19.84%) and D (18.08%). Not only do we spread the risk of the portfolio into tens of thousands of different loans, but investors also benefit from diversification that traditionally could only be achieved with services such as Portfolio Manager and <a href=\"https:\/\/www.goandgrow.eu\/en\/portfolio-pro\">Portfolio Pro<\/a>.<\/p>\n<p align=\"center\"><img loading=\"lazy\" decoding=\"async\" class=\" size-full wp-image-16001\" src=\"https:\/\/www.goandgrow.eu\/blog\/wp-content\/uploads\/EUR-Distribution-Expanded.jpg\" alt=\"EUR Distribution (%) - Expanded\" width=\"742\" height=\"429\" \/><\/p>\n<p><strong><em>Figure 1b &#8211; Go &amp; Grow Portfolio Overview (Expanded)<\/em><\/strong><\/p>\n<p align=\"left\">Estonia takes the largest share of the total at 61%, followed by Finland at 33% and Spain at 6%.<\/p>\n<p align=\"center\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-16003\" src=\"https:\/\/www.goandgrow.eu\/blog\/wp-content\/uploads\/Go-GROW-POrtfolio-distribution-CountrY-.jpg\" alt=\"Go &amp; GROW POrtfolio distribution (CountrY - %)\" width=\"721\" height=\"478\" \/><\/p>\n<p><strong><em>Figure 1c \u2013 Go &amp; Grow portfolio distribution by country<\/em><\/strong><\/p>\n<p align=\"left\">Below (Figure 2a), the graph shows the total distribution of originations in July 2018. If you compare figures 1b, 1c and 2a, you can see that the distribution of Go &amp; Grow claims essentially mirrors that of the whole portfolio. We publish a monthly update on this &#8211; <a href=\"https:\/\/www.goandgrow.eu\/blog\/p2p-lending-data-dive-origination-june-2018\/\">click here to read more<\/a>.<\/p>\n<p align=\"center\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-16005\" src=\"https:\/\/www.goandgrow.eu\/blog\/wp-content\/uploads\/Origination-Distribution-by-Rating-Country.jpg\" alt=\"Origination Distribution by Rating &amp; Country\" width=\"806\" height=\"478\" \/><\/p>\n<p><strong><em>Figure 2a \u2013 Total Bondora origination by rating and country \u2013 July 2018<\/em><\/strong><\/p>\n<p align=\"left\">Another interesting point for review is the different goals our investors are striving for. The clear majority is for extra income (73.76%). However, this is likely to be skewed due to it being the default option. After that, Rainy Day (8.57%), Retirement (6.88%) and Big Purchase (5.40%) follow as the most popular goals.<\/p>\n<p align=\"center\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-16007\" src=\"https:\/\/www.goandgrow.eu\/blog\/wp-content\/uploads\/GOAL.jpg\" alt=\"GOAL\" width=\"744\" height=\"433\" \/><\/p>\n<h3>What\u2019s your goal? Let us know in the comments!<\/h3>\n<p align=\"left\"><em>*As with any investment, your capital is at risk and the investments are not guaranteed. The yield is up to 6.75%. Before deciding to invest, please review our&nbsp;<a href=\"https:\/\/www.goandgrow.eu\/en\/riskstatement\">risk statement<\/a>&nbsp;or consult with a financial advisor if necessary.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Since we officially released Go &amp; Grow in June, it\u2019s received enormous popularity from the investor communities. Along with this, we\u2019ve had several questions asking us to go into further detail about what happens in the background. Namely, asking us to cover how we distribute the claims added to Go &amp; Grow, what the most [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[117],"tags":[],"class_list":["post-15997","post","type-post","status-publish","format-standard","hentry","category-bondora-news"],"acf":[],"featured_image":null,"categories_names":["News"],"category_name":"News","_links":{"self":[{"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/posts\/15997","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/comments?post=15997"}],"version-history":[{"count":0,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/posts\/15997\/revisions"}],"wp:attachment":[{"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/media?parent=15997"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/categories?post=15997"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/tags?post=15997"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}