November 7, 2017,

Meet Jens, a freelance consultant from Denmark

Bondora Go & Grow

Editorial team

Welcome to another post part of the exclusive investor stories! This month we had the pleasure of interviewing Jens, check out his story below.

Bondora-investor-Jens

“I have 2 accounts running on Bondora. All are using the Portfolio Manager. Returns are 13% and 9%, so overall I am happy compared to other asset classes.”

1. Tell us a bit about yourself?

My name is Jens, I am from Denmark. Me and my family, wife and 3 kids, have been living abroad for many years, but decided to move back to Denmark in 2009. I am an engineer by training and I have been self-employed for 17 years and work as a freelance consultant specializing in Sustainability, Environment, Health and Safety (EHS). I have always been interested in business, finance and economics and read a lot on the subject whenever I have time besides my family and job. That is how I came across p2p investing and Bondora in 2013/14.

2. What made you start investing with Bondora?

After taking a closer look at the P2P market place I decided to invest in Bondora and Lending Club in 2014 via my company. I chose Bondora due to their relatively long history, track record and that the company turned a profit. Nobody knows yet what is going to happen if a p2p lender goes bankrupt. I am still keeping an eye open to invest on other platforms for diversification purposes within P2P, but I am very cautious because it seems new platforms are launching every day! I am following the market via newsletters from p2p-banking.com and AltFi News.

“I choose Bondora due to their relatively long history, track record and that the company turned a profit.”

3. What were your investment goals when you started and how is your portfolio doing now?

My investment goals for P2P were and still are primarily a steady return and diversification across asset classes, like shares, bonds, FX, property, etc. I myself consider p2p a new asset class. When I started investing in the year 2000 the goal was to save for retirement. But by also focusing on saving money on an everyday basis I hope to not have to ‘work’ so much anymore and spend more time reading, investing and building ‘stuff’, i.e. more freedom.

I have 2 accounts running on Bondora – 1 for my company and 1 for my wife. All are using the Portfolio Manager. Returns are 13% and 9%, so overall I am happy compared to other asset classes. Looking forward it is going to be interesting to follow how returns are going to be affected on p2p platforms once the next recession(s) hits various countries/regions.

4. What features/strategy do you use and how does it work for you?

I have always used the Portfolio Manager and all are set to ‘Progressive’. I have for some time been playing with the idea of using some kind of ‘big data’ analysis and if successful I could use the Portfolio Pro or API. In the US ‘robot investors’ do exist already using APIs. I have not come across any for the European platforms.

“Start out with an amount you can do without for a couple of years, but big enough to be able to diversify across at least 200 loans.”

5. If you could give any advice to someone starting out with Bondora, what would it be?

Start out with an amount you can do without for a couple of years, but big enough to be able to diversify across at least 200 loans. Use the Portfolio Manager. Monitor, learn and gain experience for at least a year and then decide what to do next.

***

Would you like to be featured in the investor stories series? Send us an email to investor@bondora.com today with the subject „Investor Stories“.

Bondora Go & Grow

Editorial team

At Go & Grow, our Editorial Team combines years of fintech experience with a passion for financial education. We’re here to share trustworthy insights, platform updates, and easy-to-understand investment tips for everyone.

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How is Bondora regulated?
Bondora Capital’s business model is unique, with no direct precedents in the market. As such, there is currently no specific regulatory license that directly applies to our Go & Grow product. However, we work proactively with regulators across the EU to ensure full compliance with all applicable local laws and regulatory frameworks.

To support this, we regularly publish financial updates, audited annual reports, and disclosures, reinforcing our commitment to transparency and investor trust.

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Additionally, Bondora AS, a member of the Bondora Group, operates as a Licensed Credit Provider under the supervision of the Estonian Financial Supervision and Resolution Authority. In Finland, we operate through a licensed branch regulated by the Finnish Financial Supervisory Authority. We also hold an operating license in Latvia, supervised by Latvijas Banka, and have recently received regulatory approvals to operate in both Denmark and Lithuania.
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At Bondora, we do a lot to prevent repayment issues before they happen. Our advanced data models carefully assess each borrower’s creditworthiness, using historical data and predictive analytics to minimize the likelihood of default from the start.

If a payment is delayed, we act quickly but thoughtfully. From the first day of the delay, we reach out to the customer via email, SMS, and automated calls to remind them of their delayed payment and offer flexible options to get back on track. The aim is to find a solution together, whether that means a new payment date or a short-term adjustment.

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In Bondora’s 17-year history, partial payouts have only been activated once.

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