We would recommend you to have only three Auto Invest settings, one for each product, which is our Business Term Financing (BTF), Accounts Receivable (AR), and Accounts Payable (AP). The most important to note is to set an amount that you are willing to invest in a single financing term. The amount will be adjusted downwards to match the maximum limits set on each financing term.

E.g. If you set the amount to RM1,000 but the financing term has a maximum limit of RM500, you will be allocated RM500 instead. Your investment amount is pro-rated downwards depending on the number of investors subscribed to the financing term.

E.g. If you set the amount to RM1,000 but the minimum amount for the financing term is RM2,000, you will not be allocated in the financing term.

E.g. If you set the amount to RM1,000 but your balance is only RM800, you will not be allocated in the financing term.

If you would like to be involved in every single financing term, we recommend you to keep your settings as wide as possible. This means the lowest possible minimum tenor and return rate and the highest possible maximum tenor and return.

For those who are risk takers and prefer higher yield, do remember to set reasonable minimum return rate of at least 9% for AR and BTF as our notified AR listings yield about 0.8% per month and better issuers may be able to secure lower return rates on the financing term.

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 return rate on a financing term is proportional to the credit risk of the issuer, you could also assign higher amounts to financing term with lower return rates (6 - 10%, 11 - 12%) and lower amounts to those with higher return rates (13% and above).

From the Auto Invest setting, you can also select which industries you'd like to be opted out from being auto-allocated.