{"id":20771,"date":"2019-01-24T15:00:15","date_gmt":"2019-01-24T13:00:15","guid":{"rendered":"https:\/\/www.bondora.com\/blog\/?p=20771"},"modified":"2024-06-04T12:46:06","modified_gmt":"2024-06-04T12:46:06","slug":"go-grow-portfolio-distribution-quarterly-update-everything-you-need-to-know","status":"publish","type":"post","link":"https:\/\/goandgrow.eu\/en\/blog\/go-grow-portfolio-distribution-quarterly-update-everything-you-need-to-know\/","title":{"rendered":"Go &amp; Grow Portfolio Distribution: Quarterly Update &amp; Everything You Need To Know"},"content":{"rendered":"<p align=\"left\">Welcome to our quarterly post on the portfolio distribution of Go &amp; Grow. Since its release to all investors in June 2018, it\u2019s proved to be incredibly popular \u2013 in a short time; it has overtaken our other products as the most popular way to invest with Bondora.<\/p>\n<p align=\"left\">If you\u2019re interested in how Go &amp; Grow earns a net return of 6.75%*, this post is exactly what you\u2019re looking for. Below, we go into detail about how the claims added to Go &amp; Grow are distributed, what the most common ratings are, the most popular goal chosen by investors and more. Since this is the second post in our series, we\u2019ll make some comparisons to the previous data so you can see how this has changed over time.<\/p>\n<p align=\"left\">In case you\u2019re hearing about Go &amp; Grow for the first time, here\u2019s everything you need to know.<\/p>\n<p align=\"left\">After receiving feedback from thousands of our investors who wanted something simple, with fast liquidity and low risk \u2013 Go &amp; Grow was the answer. Traditionally, a limitation in P2P lending is the liquidity. And despite not being a short-term product, Go &amp; Grow gives investors total control of their money.<\/p>\n\n<h2>Here\u2019s a snapshot of the top ten benefits:<\/h2>\n<ol>\n \t<li>6.75%* p.a. net return<\/li>\n \t<li>Faster liquidity<\/li>\n \t<li>Lower risk<\/li>\n \t<li>Invest with a minimum of \u20ac1<\/li>\n \t<li>No annual management fees<\/li>\n \t<li>Tax-efficient<\/li>\n \t<li>Simple to use \u2013 making it great for beginners<\/li>\n \t<li>Create multiple accounts<\/li>\n \t<li>Share access to your Go &amp; Grow account with the people you trust<\/li>\n \t<li>Create a goal and receive updates on your progress<\/li>\n<\/ol>\n<p style=\"text-align: center;\"><iframe loading=\"lazy\" src=\"https:\/\/www.youtube.com\/embed\/5tHpUSO9DuY\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n\n<h2>Are there any associated fees?<\/h2>\n<p align=\"left\">We charge a flat \u20ac1 withdrawal fee, no matter the size of the account. This helps us continue to <a href=\"https:\/\/www.goandgrow.eu\/en\">operate the Bondora platform<\/a>.<\/p>\n<p align=\"left\">Want to know more about Go &amp; Grow? <a href=\"https:\/\/www.goandgrow.eu\/en\/goandgrow\">Click here<\/a>.<\/p>\n\n<h2>How does Go &amp; Grow work?<\/h2>\n<p align=\"left\">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, Go &amp; Grow spreads the claims across all eight credit ratings, ranging from AA-HR. The lowest distribution is in AA ratings, followed by A and HR.<\/a><\/figure>\n<p align=\"left\"><!-- \/wp:post-content --><\/p>\n<p align=\"center\"><a href=\"https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2024\/06\/Go-Grow-portfolio-January-2019.jpg\"><!-- wp:image --><\/a><\/p>\n<p align=\"left\"><strong><em>Figure 1a &#8211; Go &amp; Grow Portfolio Overview (rounded figures) \u2013 January 2019<\/em><\/strong><\/p>\n<p align=\"center\"><!-- wp:image {\"id\":247113,\"sizeSlug\":\"full\",\"linkDestination\":\"none\",\"align\":\"center\"} --><\/p>\n\n<figure class=\"wp-block-image aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-247091 size-full\" src=\"https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2024\/06\/Go-Grow-portfolio-August-2018.jpg\" alt=\"\" width=\"635\" height=\"431\" srcset=\"https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2024\/06\/Go-Grow-portfolio-August-2018.jpg 635w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2024\/06\/Go-Grow-portfolio-August-2018-300x204.jpg 300w\" sizes=\"auto, (max-width: 635px) 100vw, 635px\" \/><!-- \/wp:image --><\/figure>\n<p align=\"left\"><strong><em>Figure 1b &#8211; Go &amp; Grow Portfolio Overview (rounded figures) \u2013 August 2018<\/em><\/strong><\/p>\n<p align=\"left\">The largest distribution is in F rated loans (37.2%), followed by E (16.9%), D (15.52%) and C (13.66%). Not only does Go &amp; Grow consist of over 50,000 loan pcs, but our investors also benefit from diversification that traditionally could only be achieved with services such as Portfolio Manager and Portfolio Pro (or an API).<\/p>\n<p align=\"left\">Compared to August, the percentage of F rated loans within the portfolio has risen by 16%. Why is this? As a by-product of issuing more loans in Finland and acquiring new customers, we\u2019ve taken a conservative approach by assigning more borrowers a Bondora Rating of F.<\/p>\n<p align=\"center\"><!-- wp:image {\"id\":247113,\"sizeSlug\":\"full\",\"linkDestination\":\"none\",\"align\":\"center\"} --><\/p>\n\n<figure class=\"wp-block-image aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-247069 size-full\" src=\"https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2024\/06\/EUR-Distribution-percentage-Expended.jpg\" alt=\"\" width=\"698\" height=\"411\" srcset=\"https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2024\/06\/EUR-Distribution-percentage-Expended.jpg 698w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2024\/06\/EUR-Distribution-percentage-Expended-300x177.jpg 300w\" sizes=\"auto, (max-width: 698px) 100vw, 698px\" \/><\/figure>\n<p align=\"center\"><!-- \/wp:image --><\/p>\n<p align=\"left\"><strong><em>Figure 2a &#8211; Go &amp; Grow Portfolio Overview (Expanded) \u2013 January 2019<\/em><\/strong><\/p>\n<p align=\"center\"><!-- wp:image {\"id\":247113,\"sizeSlug\":\"full\",\"linkDestination\":\"none\",\"align\":\"center\"} --><\/p>\n\n<figure class=\"wp-block-image aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-247047 size-full\" src=\"https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2024\/06\/EUR-Distribution-percentage-Expended-August-2018.jpg\" alt=\"\" width=\"697\" height=\"409\" srcset=\"https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2024\/06\/EUR-Distribution-percentage-Expended-August-2018.jpg 697w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2024\/06\/EUR-Distribution-percentage-Expended-August-2018-300x176.jpg 300w\" sizes=\"auto, (max-width: 697px) 100vw, 697px\" \/><\/figure>\n<p align=\"center\"><!-- \/wp:image --><\/p>\n<p align=\"left\"><strong><em>Figure 2b &#8211; Go &amp; Grow Portfolio Overview (Expanded) \u2013 August 2018<\/em><\/strong><\/p>\n<p align=\"left\">Estonia still accounts for the largest share of the total at 50%, closely followed by Finland at 46%. The share of Spanish loans is clearly in the minority, at 4% of the total. Compared to August, the share between countries has become more equally spread between Estonia and Finland.<\/p>\n<p align=\"center\"><!-- wp:image {\"id\":247113,\"sizeSlug\":\"full\",\"linkDestination\":\"none\",\"align\":\"center\"} --><\/p>\n\n<figure class=\"wp-block-image aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-247025 size-full\" src=\"https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2024\/06\/Go-Grow-Portfolio-distribution-Country.jpg\" alt=\"\" width=\"674\" height=\"452\" srcset=\"https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2024\/06\/Go-Grow-Portfolio-distribution-Country.jpg 674w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2024\/06\/Go-Grow-Portfolio-distribution-Country-300x201.jpg 300w\" sizes=\"auto, (max-width: 674px) 100vw, 674px\" \/><\/figure>\n<p align=\"center\"><!-- \/wp:image --><\/p>\n<p align=\"left\"><strong><em>Figure 3a \u2013 Go &amp; Grow portfolio distribution by country \u2013 January 2019<\/em><\/strong><\/p>\n<p align=\"center\"><!-- wp:image {\"id\":247113,\"sizeSlug\":\"full\",\"linkDestination\":\"none\",\"align\":\"center\"} --><\/p>\n\n<figure class=\"wp-block-image aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-247003 size-full\" src=\"https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2024\/06\/Go-Grow-portfolio-distribution-country-August-2018.jpg\" alt=\"\" width=\"674\" height=\"451\" srcset=\"https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2024\/06\/Go-Grow-portfolio-distribution-country-August-2018.jpg 674w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2024\/06\/Go-Grow-portfolio-distribution-country-August-2018-300x201.jpg 300w\" sizes=\"auto, (max-width: 674px) 100vw, 674px\" \/><\/figure>\n<p align=\"center\"><!-- \/wp:image --><\/p>\n<p align=\"left\"><strong><em>Figure 3b \u2013 Go &amp; Grow portfolio distribution by country \u2013 August 2018<\/em><\/strong><\/p>\n<p align=\"left\">Below (Figure 4a &amp; 4b), the graphs show the total distribution of originations across Bondora in December 2018 and July 2018, respectively. If you compare figures 1a, 2a, and 3a with 4a, you can see that the distribution of Go &amp; Grow claims essentially mirrors that of the whole Bondora portfolio. We publish a monthly update on this &#8211; <a href=\"https:\/\/www.goandgrow.eu\/blog\/originations-in-december-find-all-the-data-you-need-right-here\/\">click here to read more<\/a>.<\/p>\n<p align=\"center\"><!-- wp:image {\"id\":247113,\"sizeSlug\":\"full\",\"linkDestination\":\"none\",\"align\":\"center\"} --><\/p>\n\n<figure class=\"wp-block-image aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-246981 size-full\" src=\"https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2024\/06\/Origination-distribution-by-rating-country-January-2019.jpg\" alt=\"\" width=\"754\" height=\"452\" srcset=\"https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2024\/06\/Origination-distribution-by-rating-country-January-2019.jpg 754w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2024\/06\/Origination-distribution-by-rating-country-January-2019-300x180.jpg 300w\" sizes=\"auto, (max-width: 754px) 100vw, 754px\" \/><\/figure>\n<p align=\"center\"><!-- \/wp:image --><\/p>\n<p align=\"left\"><strong><em>Figure 4a \u2013 Total Bondora origination by rating and country \u2013 December 2018 \u2013 (\u20ac8,448,570 total originations)<\/em><\/strong><\/p>\n<p align=\"center\"><!-- wp:image {\"id\":247113,\"sizeSlug\":\"full\",\"linkDestination\":\"none\",\"align\":\"center\"} --><\/p>\n\n<figure class=\"wp-block-image aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-246959 size-full\" src=\"https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2024\/06\/Origination-distribution-by-rating-and-country-Jul-2018.jpg\" alt=\"\" width=\"755\" height=\"454\" srcset=\"https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2024\/06\/Origination-distribution-by-rating-and-country-Jul-2018.jpg 755w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2024\/06\/Origination-distribution-by-rating-and-country-Jul-2018-300x180.jpg 300w\" sizes=\"auto, (max-width: 755px) 100vw, 755px\" \/><\/figure>\n<p align=\"center\"><!-- \/wp:image --><\/p>\n<p align=\"left\"><strong><em>Figure 4b \u2013 Total Bondora origination by rating and country \u2013 July 2018 (\u20ac5,421,345 total originations)<\/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 (66%). However, this is likely to be skewed due to it being the default option. After that, Rainy Day (11%), Retirement (9.1%) and Big Purchase (8.3%) follow as the most popular goals.<\/p>\n<p align=\"center\"><!-- wp:image {\"id\":247113,\"sizeSlug\":\"full\",\"linkDestination\":\"none\",\"align\":\"center\"} --><\/p>\n\n<figure class=\"wp-block-image aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-246937 size-full\" src=\"https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2024\/06\/Investor-chosen-goal-january-2018.jpg\" alt=\"\" width=\"699\" height=\"410\" srcset=\"https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2024\/06\/Investor-chosen-goal-january-2018.jpg 699w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2024\/06\/Investor-chosen-goal-january-2018-300x176.jpg 300w\" sizes=\"auto, (max-width: 699px) 100vw, 699px\" \/><\/figure>\n<p align=\"center\"><!-- \/wp:image --><\/p>\n<p align=\"left\"><strong><em>Figure 5a \u2013 Investors chosen goal \u2013 January 2019<\/em><\/strong><\/p>\n<p align=\"center\"><!-- wp:image {\"id\":247113,\"sizeSlug\":\"full\",\"linkDestination\":\"none\",\"align\":\"center\"} --><\/p>\n\n<figure class=\"wp-block-image aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-246915 size-full\" src=\"https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2024\/06\/Investor-chosen-goal-August-2018.jpg\" alt=\"\" width=\"696\" height=\"409\" srcset=\"https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2024\/06\/Investor-chosen-goal-August-2018.jpg 696w, https:\/\/goandgrow.eu\/wp-content\/uploads\/sites\/4\/2024\/06\/Investor-chosen-goal-August-2018-300x176.jpg 300w\" sizes=\"auto, (max-width: 696px) 100vw, 696px\" \/><\/figure>\n<p align=\"center\"><!-- \/wp:image --><\/p>\n<p align=\"left\"><strong><em>Figure 5b \u2013 Investors chosen goal \u2013 August 2018<\/em><\/strong><\/p>\n\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\u00a0<a href=\"https:\/\/www.goandgrow.eu\/en\/riskstatement#gogrow\">risk statement<\/a>\u00a0or consult with a financial advisor if necessary.<\/em><\/p>","protected":false},"excerpt":{"rendered":"<p>Welcome to our quarterly post on the portfolio distribution of Go &amp; Grow. Since its release to all investors in June 2018, it\u2019s proved to be incredibly popular \u2013 in a short time; it has overtaken our other products as the most popular way to invest with Bondora. If you\u2019re interested in how Go &amp; [&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-20771","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\/20771","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=20771"}],"version-history":[{"count":0,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/posts\/20771\/revisions"}],"wp:attachment":[{"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/media?parent=20771"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/categories?post=20771"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/goandgrow.eu\/en\/wp-json\/wp\/v2\/tags?post=20771"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}