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How do I better match my auto-invest selection to my investment preferences?
How do I better match my auto-invest selection to my investment preferences?

We designed Auto-Invest 3.0 to allow investors greater customization to automated note selection. Here's how you can maximize this feature.

Written by Investor's Assistant (Sean)
Updated over a week ago

You can add as many combinations of settings as you want. Here are some considerations to make when creating your auto-invest bots:

Auto-invest amount range 

It is important to set the maximum of the auto-invest range as the maximum you are willing to invest in a single note. The amount will be adjusted downwards to the maximum limit set on each note. 

Also, it is important to set the minimum of the auto-invest range as the minimum you are willing to invest in a single note. This is to ensure that in the scenario where your auto-invest amount is pro-rated down, you will get at least the minimum amount that you have set your range at.

E.g. If you set the maximum amount to $1,000 but the note has a maximum investment amount of $500, you will be allocated $500 into the note. This amount could also be pro-rated downwards depending on the number of investors subscribed to the note.  

E.g. If you set the maximum amount to $1,000 but the minimum investment amount for the note is $2,000, you will not be allocated in the note. 

Exhausting your balance

Understandably, there could be multiple crowdfunds happening one after another, or at the same time. Hence, you may not have enough time to deposit more funds into your account for your balance to meet the auto-investment range you have set. Even if your balance falls below the minimum auto-invest amount you have set, you still have the opportunity to auto-invest, by exhausting your balance. If you wish to use up your balance if it falls within the minimum and maximum investment limits of the note, you can set your auto-invest settings to do so.

E.g. If you set the minimum amount to $1,000 but your balance is only $800, you can exhaust your balance of $800 if it falls between the minimum and maximum investment limits for the note.

Tenor and interest rates

If your goal is to invest into every single note, we recommend you keep your filters as wide as possible. This means the lowest possible minimum tenor and interest rate and the highest possible maximum tenor and interest rate. 

For those who are risk takers and prefer higher yields, do remember to set reasonable minimum interest rate of at least 9% for Invoice and Term financing as our notified invoice financing listings yield about 0.8% per month and better SMEs may be able to secure lower interest rates on the term Financing. However, since Property-Backed Secured Notes are secured by property, the interest rates of these will be lower.

Depending on how you view tenor, you could customize higher amounts for shorter tenor (e.g. 1 month to 3 months) and gradually decrease the amounts on longer tenor (e.g. 4 - 6 months, 7 - 9 months, 10 - 12 months, 13 - 18 months, 19 - 24 months). Since interest rate on a note is proportional to the credit risk of the SME, you could also assign higher amounts to notes with lower interest rates (6 - 10%, 11 - 12%) and lower amounts to those with higher interest rates (13% and above).

Funding type

If you prefer Invoice Financing (IF) over Business Term Financing (BTF) and Property-backed Secured Investments (PSI), you can add settings for one type and not for the other. 


You can even select industries that you are most cautious of to opt-out of those industries specifically. The most common SMEs we fund are those in Engineering, Retail and Wholesale industries, so remember if you select these, you will miss out on a lot of our notes.

Disclaimer: This article is not meant to constitute/be construed as a form of recommendation, financial advice, or an offer, invitation or solicitation from Funding Societies to buy or subscribe for any securities and/or investment products. The content and materials made available are for informational purposes only and should not be relied on without obtaining the necessary independent financial or other advice in connection therewith before making an investment or other decisions as may be appropriate.

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