Investing in 3 key strategies for maximum profitability


When choosing the best investment strategy, it is important to understand not only how it benefits others, but also how it aligns with your own goals and risk tolerance. Whether your priority is liquidity or security guarantee, in the end the strategy will work for you. In our series of articles, we will talk about possible ways and strategies for investing on the platform. Today we introduce you to the three strategies of increasing profitability.

Reinvestment strategy and interest capitalization

The idea behind this strategy is that you make the earned interest work by investing it continuously. Let’s say you only put in short-term loans for 7 days and reinvest your interest every week. Then your profitability at the end of year can reach 10.95%, which is 0.45 pp higher than it would be if you had only invested the principal amount. At the same time, you retain high liquidity and the ability to withdraw your money at any time.  

On the other hand, if you invest in a long-term loan, say for a year, on you receive monthly interest that can be reinvested in other long-term loans. For example, you have financed a loan for a year and then you will invest the interest in similar loans. So for one year, you will get a real return of up to 12.68%, which is 0.68 pp higher than the annual interest rate. 

The profitability will increase if you calculate an investment for two years. If you invest for two years at 12.3%, taking into account the interest income investment, the real profitability at the end of the year can reach 13%. 

Thus, the interest capitalization can boost your profitability significantly.

Loyalty strategy

On the platform, there is a loyalty program that can increase the annual return by up to 1%, depending on the amount of money invested. The investor receives 0.3, 0.5, 0.7 and 1% to the base rate when the total balance of the investor's portfolio reaches 5 000, 10 000, 15 000 and 25 000 euros respectively. 

When the loyalty program is combined with interest capitalization, the annual return could increase from 12.3 % до 14.1%, which exceeds average rates offered by most of the European P2P investment platforms

Gradual investment strategy

The practice of regularly replenishing your investment portfolio not only allows you to receive more income in the future at the expense of a larger volume of working capital. It also gives you the opportunity to gradually reach a new level in the loyalty program, which increases the interest rate. 

So, by investing 1 000 euros and adding 500 euros to your portfolio every month, you will reach the first “bronze” loyalty level in less than a year. Then your income is no longer calculated from 1000 euros, but from 5 000 euros, and the profitability increases by 0.3 pp. You can find out more about our loyalty programme here:  

If you want to focus on increasing profitability, you can reinvest funds and capitalize income, qualify for participation in the loyalty program, or replenish your balance on a monthly basis, which will raise the total amount you invest. It should be noted that recommendations on strategies gives are informative in their nature. They are prepared without considering investment goals, risk tolerance or financial circumstances of each particular investor and may not be suitable for all investors. 


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Robocash d.o.o (“Robocash”) is a company registered in the Republic of Croatia under registration No. 081224371, with legal address at Petračiceva 4, Zagreb, Croatia, 10110.

Robocash is not regulated under any financial services license. When you invest on Robocash, you buy claim rights for loan receivables and investments in loan receivables are subject to risks. We advise diversifying investments and carefully evaluating the risks.