New pre-booking system: what you should know!

Reading time: 1.5 min

 

There’s a new investment opportunity, you were sitting behind the computer just before it was being opened for investing, you were all set. When the clock turned 3 the project was funded in less than a minute and even without you noticing, you had missed your chance to invest. Or when you had set up Autoinvest, went through the day thinking Autoinvest invested for you. But when you arrived home and sat behind the screen, you saw that for some reason your investment had not gone through. Can you relate?

We’ve been working on an efficient solution, which would solve the previous issues, so when you’d like to invest in the project, you wouldn’t have to worry about not making the cut.

This week we conducted a big system update, which included launching a new pre-booking system. With the new system, there are few new changes, that you’d need to be aware of.

You can read how everything works from now on in this blog post.

The difference between old and new

According to the old system, it was possible to familiarize yourself with the project 24h in advance before it was released for pre-booking.

When it comes to the new system, the investment opportunities will be open for pre-booking straight away and the pre-booking will last 24h.

What’s new?

No more limits: You can invest as much as you want.

100€ guarantee: To all investors, who have invested money (in any amount) during the pre-booking period, will be guaranteed a participation of 100€ in the project.

  • In case during the pre-booking period there aren’t enough investments to cover the total amount needed to finance the project, then once the pre-booking period has ended, the investment opportunity will open for investments the way it did before.

If there are more investments than the project could fit, then the investments will be distributed proportionately among the investors, for example:

  • Investment opportunity amount is 1000€.
  • During the pre-booking, 4 investors invest in the amount of 100€, 1000€, 10 000€ and 10 000€.
  • Investments will be 100€, 100€, 400€ and 400€ and the remaining investments will be returned to investors.

OR

  • During the pre-booking, 5 investors invest in the amount of 100€, 200€, 1000€, 5000€ and 5000€.
  • Investments will be 100€, 100€, 200€, 300€ and 300€ and the remaining investments will be returned to investors.

The maximum number of investors, who will be able to pre-book, will be the sum of the investment project/100. In other words:

  • (An example) The investment opportunity amount is 1000€, the maximum amount of investors, who could participate, is 10 because the minimum investment amount is 100€ (10 x 100 = 1000€).
  • In case this happens, the pre-booking period will end immediately, all investors will receive an investment of 100€ and the remaining amount will be refunded.

Autoinvest:  During the pre-booking period, Autoinvest will automatically invest the specified amount (that you have set up). There will be no restrictions, however when there are too many investments than the project could fit, then the Autoinvest investment will be cut the same way as the investment made by hand.

  • In case you have set up multiple Autoinvest accounts, in the pre-booking period only one Autoinvest will invest for you – the one with the biggest investment amount.

Notice: The new pre-booking system does not apply to mortgage loans and RIA opportunities. 

To sum it up, in the pre-booking phase investors can submit their preferred maximum investment amounts. Afterward, the final investment amount will be determined by the number of pre-booking investors. It will remain between 100€ and your submitted maximum investment amount.

 

Well, how does it sound? Understandable? Confusing? A bit frightening?

In case you have any questions, feel free to write to us. But do keep in mind the best way to fully understand, how it all works, is to give it a try yourself.

Have fun while investing! 🙂

13 comments

  1. While I applaud the equality created by the guarantee that investors will get at least 100€ invested, I question the disappearing of a real “cooling period”. I don’t really understand the reasoning behind this second change. Having a period of time where nobody can invest can only benefit investors; I’m afraid the new behavior is likely to invite them to make bad investing decisions due to fear of missing out.

    1. Uus süsteem toob kaasa kaks probleemi: esiteks tõsisemad investorid võivad kaotada huvi, sest investeerimispakkumisi on liiga vähe, et suuremaid summasid soovitud tulususega investeerida kui soositakse suuremat arvu investoreid, aga väiksemaid investeringuid investori kohta.
      Teiseks, iga investor peab enne pakkumist oma Crowdestate kontole investeritava summa kandma, aga kui seda kõike investeerida ei saa, siis tuleb see jälle tagasi kanda, sest kes ikka tahab raha tasuta CE kontol hoida. Selle probleemi lahendusena näeksin kui CE võimaldaks investeerimiskorraldust sooritada ilma vahendite olemasoluta CE kontol. Hiljem, kui lõplik investeering on selgunud, siis alles kanda raha CE kontole.
      CE on muidugi huvitatud, et raha jääks CE kontodele uusi investeerimisvõimalusi ootama, sest CE saab klientide raha tasuta kasutada. Kui muidugi CE ei hakka kliendikonto saldode pealt intresse maksma.

      1. Tere Allan. Crowdestate ei saa kasutada investorite investeerimiskontol olevaid rahalisi vahendeid. Investor saab investeerimiskorraldusi teha vaid ise – manuaalselt või Autoinvesti kasutades.

  2. I welcome the new changes! It’ll be easier to get a share of any project now. Eliminating the 24h review phase favors investors who have idle cash balance, which means less cash drag for active investors. Thumbs up from me!

  3. Minul tekib küsimus, et kas Crowdestate (CE) kavatseb klientide kontodele jäävatele vabadele vahenditele intresse maksma hakata? Või peavad investorid, kes soovivad suuremaid summasid investeerida, pidevalt investeeringutest välja jäävat raha endale tagasi kandma, sest keegi ei taha, et raha CE kontol “tühjalt” seisab.
    Aksepteeriksin olukorda paremini, kui investeerimisbroneeringu saaks teha ilma vahendite olemasoluta investeerimiskontol. Et kui on selge, millise lõpliku summaga osalen investeeringus, siis sellise summa kannan kokkulepitud tähtajaks ka CE kontole. Ja siis, kui mõni investor teatud tähtajaks ei suuda raha oma investeerimiskontole kanda, siis ta eemaldatakse selle projekti investorite hulgast ja selle võrra saavad teised rohkem investeerida. Kui on ülepakkumine, siis ei teki kellelgi kahju, kui üks investor hiljem ära langeb.
    Suur mure on ka see, et suuremad investorid ei pruugi olla huvitatud nii väikeste summade investeerimisest nagu 100-300 eur. Seega muutub CE pisiinvestorite kohaks ja tegijad võivad lahkuda. Kui mul oleks 20K investeerimiseks, siis mul poleks aega oodata, kuni ma seda 100 eur kaupa saan paigutatud, ma soovin selle kohe paigutada. Kui CE seda ei võimalda, siis võidakse minna teiste platformide juurde.

    1. Tere Allan. Saan Teie mõttekäigust aru. Uus broneerimissüsteem lahendab sealjuures suurt probleemi, milleks oli paljude investorite väljajäämine projektidest. Kui Teil on omapoolseid ideid, milline süsteem võiks hoopis kasutusel olla, siis võite julgelt jagada meiega enda mõtteid info@crowdestate.eu. 🙂

      Infoks: Investeerimiskontol oleva summa pealt pole plaanis intressi maksma hakata.

      1. Vahest oleks üks lahendus see, et kuskilt saaks valida võimaluse mitte osaleda alla teatud summa. Et kui näiteks tahan investeerida €1000 miinimumsummaga €500, ja eelbroneemise järel määratakse mu osaluseks €200, siis minu osalust ei toimu.

  4. Investeeringusummade kujunemine paistab soosivat väikeseid summasid. Süsteemil võiks olla ka võimalus tehingust taganeda kui summa kujuneb liiga väikeseks

    1. Tere Rein. Teie välja pakutavat süsteemi rakendades muutuks projektide rahastamine vägagi keeruliseks.
      Investeeringu suurus sõltub investeerida soovitate investorite arvust ja kui investoreid on palju ning projekti rahastamiseks vajaminev summa mitte kõige suurem, siis osaluste võrdseks jaotamiseks kujunevad välja väiksemad summad.

  5. Mulle uus süsteem ei meeldi.
    Kui ma tahan investeerida 1000 aga sellest investeeringust saab 100, siis ei ole minu soovi ju arvestatud.
    Siis võiks olla ka miinimumsumma, mida olen nõus investeerima.
    Kui tahan, et see oleks 1000, siis panen nii maksimumi, kui miinimumi 1000 ja korras.
    Kui mulle jääv osa kahaneb osalejate arvu tõttu väiksemaks, kui 1000, siis minu investeerimispakkumist ei peaks arvestama.
    Asi selles, et ei taha portfelli palju väikeseid investeeringuid.
    Portfelli jaotamine erinevate varaklasside vahel on ka uue süsteemiga keerulisem.

  6. Mina küll ei näe selles probleemi, et raha istub vabalt Crowdestate kontol, kuna tänapäeval ei paku nagunii ükski keskkond vabalt istuvale rahale mingit arvestatavat intressi. Pangakontol on see vaid murdosa ühest protsendist. Vahet pole, kas istub paar nädalat CE kontol või Swedbank kontol. Ja kui see raha ongi kuskil intressi teenimas, siis see tähendab, et see raha ei ole nii ehk naa väga likviidne, et seda kiiresti CE-sse ümber paigutada.

    Samas, olen nõus, et see €100 kaupa tilgutamine ei paku tõesti teinekord huvi. Isegi kui mu tavaline investeerimissumma on ca €1000-2000, tundub €100 investeering tühine. Kuigi, saan aru, et antud näites oli toodud lihtsalt imeväike investeerimisprojekti summa, mis jaguneski miinimum €100 osadeks investorite vahel. Seni pole minu investeeringuid veel molekulideks lahti lõhutud.

    Parimat!

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