Balanced

Any questions?

• Did I set up my depots and my SaveLend account correctly?

  A depot at the SaveLend platform is a place where you can store and manage your financial assets. A depot is automatically created for each selected strategy. The number of depots in the SaveLend account is not limited. Available currencies for depots with us are SEK and EUR.

  We all have different possibilities and goals regarding our savings and our investments. Therefore, "correctly set up” depends entirely on your own choice. As long as you have chosen and activated the right strategy for you, have approved all the terms and conditions, filled in the KYC (Know Your Customer) information, and made your first deposit – then we guarantee that you are on the right track!

• How do I make a deposit?

  You can easily see the instructions on how to transfer capital to your SaveLend account by logging in, navigating to "Transfers" followed by deposits and clicking on "Make a deposit".

  You can choose between transferring your money directly with the help of Swish, Trustly, or by making a regular bank transfer.

  To make a deposit, click on the "Make a deposit" button in the "Deposits" section or in the upper right corner of the platform and choose the method that suits you best:

  

  • Swish
    Via Swish, your money arrives immediately. The regulations for the maximum amount and how much it’s possible to swish vary from bank to bank. Log into your internet or mobile bank to see and change your settings.
    
    

  • Instant Bank payment via Trustly
    Direct transfer via Trustly takes between 15 min and 1 banking day. It is an open banking payment method that allows customers to shop and pay from their bank account online, without using a card or app.
    
    

  • Bank transfer
    Bank transfers can take up to 1–2 days. Transfers must be made from a bank account that you own.

• How do I withdraw capital?

  You can easily request withdrawals on uninvested capital by logging into your account, navigating to "Transfers" and then "Withdrawals". Click on "Make a withdrawal" then follow the instructions.

  If you want to withdraw capital that is invested, you can sell your investments on the secondary market, which you will find under "Holdings" -> "Investments". Remember that sales on the secondary market include a fee except for special conditions for the Balanced savings strategy. Here, you have the right to sell investments up to a total of SEK 50,000 free of charge after every twelve months.

• How does monthly savings work?

  Save a selected amount that is withdrawn via direct debit every month. You can also have several monthly savings divided into different depots, accounts in which you have your investments. Select:

  • What amount do you want to save each month;

  • Which day of the month the money should be withdrawn from your bank account;

  • Which SaveLend depot do you want to save monthly in.

  
  Monthly savings with SaveLend is perfect for:

  • Build your savings without having to think about it

  • Save valuable time by having your money deposited automatically

  • Invest on an ongoing basis – without involvement*

  • Spread your risks automatically

  • Get interest-on-interest from your investments

  
  *Does not apply to deposits from Svensk Kreditförmedling AB and Lunar A/S.

• Am I, as an investor, exposed to different borrowers in each investment opportunity?

  It varies from case to case, depending on the loan type and/or lending company. For example, for consumer loans via the lending company SBL Finance, it is common to only be exposed to one investment per borrower, but for factoring from the same lending company, the same borrowing company can use the service several times. In general, it depends on the underlying securities of each specific loan.

• "Refer-a-friend"

  "Refer-a-friend" means that you as an investor can invite a friend, and both can then earn up to SEK 10,000 or EUR 1,000 in bonus.

  To get the bonus, your friend needs to create an account via an exclusive referral link that you receive with your account (you can find the link in the section “My account” → “My bonuses”)

  

  and then invest at least SEK 5,000 or EUR 500 within 30 days. The bonus is then paid out within 3 working days to both you and the invited friend.

  "Refer-a-friend" only applies if you invite someone who starts investing in the strategies or projects. You do not receive a bonus when you invite someone who chooses to invest in a Fixed Interest Account.

  The bonus ladder is as follows:

  • SEK 5,000 or more gives a bonus of SEK 200

  • SEK 10,000 or more gives a bonus of SEK 400

  • SEK 20,000 or more gives a bonus of SEK 600

  • SEK 100,000 or more gives a bonus of SEK 1,000

  • SEK 500,000 or more gives a bonus of SEK 5,000

  • SEK 1,000,000 or more gives a bonus of SEK 10,000

  You can use your referral link an unlimited number of times.

  The bonus is paid for both SEK- and EUR-accounts. You can easily see paid bonuses and the number of invited friends on your account in the same section:

  

  If you, who referred a friend, only invest in SaveLend Fixed, the bonus will be paid out to your Transfer depot.