IUVO Group Review: A Competitive P2P Marketplace & Regulated Lending Platform In Europe

Are you considering diving into the world of Crowdlending? Well, you're in for a treat because at InversionP, a Siva, we've put together a comprehensive guide to help you navigate this investment landscape. Today, we're going to take a closer look at one of the top Crowdlending options for 2024: IUVO Group.

In this piece, we'll delve into the unique features of IUVO Group's Crowdlending platform, which stands out from the crowd of more well-known options. You'll see why it's a standout choice.

Plus, if you sign up through our link, you'll get a special bonus of up to 90 euros.  We'll walk you through the process later.

What is IUVO?

IUVO is a leading Crowdlending platform in Europe, boasting several advantages that make it one of the best in the game.

It's interesting to note that its name IUVO has Latin roots, meaning help, and it was established in 2024 in Estonia. It has already attracted over 17,000 investors from more than 135 countries.

How does IUVO operate?

Similar to other Crowdlending platforms like Lendermarket or Mintos, IUVO allows individual investors to buy into loans issued by lenders, essentially becoming part-owners of the loan.

This investment model is known as peer to peer lending.

So, a borrower seeks a loan from the lenders (also known as loan originators or lenders). These loans are then listed on IUVO (loan marketplace), where investors can buy into them, potentially earning attractive returns.

The advantages and desadvantages of IUVO

• It's a reliable choice

        Regulated by the Estonian Financial Supervision Authority, which is on par with the CNMV in Spain.

• Average annual return of 9.2%

        There's no doubt that IUVO Group is currently offering returns that are quite appealing.

• A wide selection of loans

         IUVO is a platform where you'll find a wide variety of loans to invest in.

• Buyback guarantee and secondary market

         IUVO allows you to sell your loans on the secondary market, making it easier to get your money back. It also offers a buyback guarantee, which             significantly reduces the risk of losing your investment.

• Automatic investment or Autoinvest

         By setting certain criteria, you can let your money work for you automatically, without any effort on your part.

• Minimum investment of just €10

        There's no reason not to give this platform a try and see if it suits your investment style.

• The buyback guarantee only covers the initial investment, not the interest. In the event that you need to use the buyback guarantee, you'll only get back the amount you initially invested, not the interest.

To summarize, the main features of IUVO are as follows:

IUVO Features

Passive investment  investing well has never been so easy
Type of loans	Business, Personal, Mortgage, Cars, Bills
Profitability	9.2% (average)
Warranties	Buyback
Commissions	No
Minimum investment	10 €
Automatic investment	Yeah
Secondary market	Yeah
Country	Estonia
Promotion	Go to IUVO Group

IUVO's Profitability

One of the primary draws of Crowdlending today is its profitability, and IUVO stands out as a prime example. It offers returns ranging from 6% to 15%.

As previously mentioned, the long-term average profitability on this platform is 9% annually. This is largely due to the fact that loans with higher returns also carry a greater risk, and it's not advisable to put all your eggs in these higher-risk baskets.

Moreover, the buyback guarantee, which we'll delve into in the next section, significantly mitigates this risk.

IUVO's Guarantees and Security

IUVO is a regulated and supervised entity, holding a registration number 14063375 with the CNMV of Estonia. However, it's not authorized by the CNMV as it's not based in Spain.

Despite this, IUVO is a trustworthy company, making it a safe investment option. It offers various guarantees, including the buyback guarantee, which is included in all IUVO loans.

It's important to note that the buyback guarantee is a valuable feature for investors, as it ensures the platform (IUVO in this case) will repay the loan if there's a delay in payment for a specified period (60 days in this case).

At IUVO, this guarantee covers the full amount of the invested capital, but not the interest payments you would be entitled to.

As always, to minimize risk, it's advisable to:

• Invest in the largest number of loans

• Diversify across different Crowdlending platforms

• Spread investments geographically

• Opt for loans with buyback guarantees

IUVO's Commission Structure

A key benefit of IUVO is its lack of commission fees for investors.

IUVO's Welcome Bonus

IUVO currently offers a welcome bonus, accessible through a personalized link. You can earn 30 euros by investing more than 1000 euros, and for those who invest 2500 euros, you'll receive a bonus of 90 euros for free.

How to Begin Investing in IUVO

1) Open an Account

The process is straightforward; all you need to do is fill out the form with your details completely online. It's worth mentioning that registration is possible from anywhere in the world.

You'll need to confirm your email to verify your account and then you can start investing.

Remember, if you do it through our links, you'll also benefit from the promotion.

2) Deposit Your Funds

To begin investing, the first step is to add money to your IUVO account. We suggest selecting the Euro as your currency since it's the easiest way to always invest in our system.

• Bank Transfer: This option is completely free, which is why we highly recommend it.

• Direct Bank Transfer: This is done through the Trustly payment system, which charges a 1% fee.

• As mentioned, we advise using the bank transfer method because you'll never be charged any fees.

3) Decide on your investment approach

This step is undoubtedly the most crucial. It's important to note that there are two choices:

• Automate your investments to set it up and forget about it.

• Choose loans by hand.

IUVO Investment Strategies

Automated investments or auto-invest

The automated portfolio is a great choice because it lets you customize your investments once and then let it run on its own for as long as you like.

Any profits made are reinvested, leading to the much-coveted compound interest. It's an ideal addition to a passive investment strategy.

The automated wallet I recommend should include the following features:

• Portfolio Name: There's not much to say about this here.

• Investor Account : This is where we pick our account.

• Portfolio Size : The maximum amount you want to invest through this automatic process.

• Maximum Investment in a Single Loan : To spread out your investments, it's recommended to invest at least 10 euros.

• Minimum Account Balance : This is the amount left uninvested. I suggest keeping it as low as possible, around 10 euros, for example.

• Risk Category : IUVO offers 6 risk levels for each loan: “A”, “B”, “C”, “D”, “E”, and “HR”, with “A” being the safest and least profitable, and “HR” being the riskiest but most profitable. This choice depends on how much risk you're willing to take, considering that all loans come with a buyback guarantee.

• Interest Rate : Specify the minimum interest rate you're comfortable with. This is a personal decision, but rates between 9% and 12% are generally acceptable.

• Remaining Installments and Paid Installments : Indicate the shortest and longest periods you're willing to wait for your investments. Leave blank for the longest to diversify as much as possible.

• Payment Method : Decide whether you want the interest to be paid monthly, bi-monthly, or at the loan's end. Leave blank for the most flexible option.

• Loan Type : Choose from mortgage loans (backed by a mortgage, the safest), vehicle-secured loans, business loans, personal loans, and short-term loans. You can leave it blank to diversify as much as possible or select those that feel most secure to you.

• Loan Categories: You have the option to select from various loan types including mortgage loans (backed by a mortgage, considered the safest), loans secured by vehicles, business loans, personal loans, and short-term loans. You may choose to leave this field blank to spread your investments widely or pick those that align with your comfort level.

• Country Selection: Decide on specific countries for investment or leave this field blank for broad diversification.

• Loan Status: I suggest choosing only loans that are currently active, as loans with a history of late payments are considered riskier.

• Originator: It's advisable to leave this field blank to reduce risk.

• Buyback Guarantee Days: You can opt for a range of days, from 30 to 60. I recommend choosing both to enhance diversification, though this is a matter of personal preference.

Select Loans Manually

If you prefer to make loan selections manually, you'll need to choose loans that appeal to you based on the criteria outlined above. It's important to note that when a loan matures, it won't automatically be reinvested, requiring you to manually reinvest it.

Additionally, consider the following:

• Primary Market: These are standard loans that utilize the AutoInvest system.

• Secondary Market: These are loans that have been placed on the market by investors to sell, offering more complexity but potentially higher returns. I advise against attempting this for beginners.

Our View on IUVO Group

As users and investors, we allocate a portion of our capital to IUVO Group, making it our top choice for Crowdlending platforms.

IUVO Group is a reliable platform, regulated by the Estonian CNMV. It boasts a broad selection of loans and offers attractive returns, around 9% annually, with buyback guarantees, ensuring good returns with minimal risk.

It features a secondary market and provides investment opportunities across various countries for diversification.

The customer support is excellent, with Spanish support also available, and the website's user interface is straightforward.