Why does my return differ from the platform's target return or average return?

With SaveLend, your return is the interest borrowers pay on the loans you invest in. We have three savings strategies for SEK depots that have different target returns.

Balanced is a savings strategy for you who want to minimize the risk of credit losses and have maximum liquidity in your savings. This strategy has a slightly lower target annual return and suits you who have a shorter savings horizon.

Yield is the savings strategy for you who aim for a higher return and who understand that this entails slightly higher risk and greater fluctuations in savings.

With the Freedom strategy, you can choose both the originator and the credit type and decide how much of your total capital can be placed in a single investment and get a higher or lower return depending on the settings.

Also keep in mind that SaveLend's target return is after credit losses and fees, but before tax.

It is also important to compare the right things; usually, we communicate the figure "return on invested capital" which, for example, does not take into account uninvested capital because the investment rate depends on strategies.