Tag Archives: passive income

Bondora Go & Grow: Investing Made Effortless for Everyone


Bondora Go & Grow: Investing Made Effortless for Everyone

Published October 28, 2025 · My Passive Income

Bondora Go & Grow is designed to remove friction from investing. With daily growth, instant access to funds, and a simple experience built for real people (not just finance pros), it’s one of the easiest ways to start growing your money online.

Investing, Simplified

In a world where traditional investing often feels complex and intimidating, Bondora Go & Grow stands out as one of the most straightforward ways to grow your money online. Built for both beginners and seasoned investors, the platform allows users to earn up to 6%* annual return, with daily growth and instant access to funds.

No complicated settings. No hidden fees. No waiting months to withdraw your money. Go & Grow turns investing into something almost effortless: you deposit, you watch it grow, and you stay in control.

How Go & Grow Works

The idea behind Bondora’s Go & Grow is simple: you deposit money, and Bondora automatically diversifies it across thousands of loans issued to borrowers across Europe. Your earnings accumulate daily and can be withdrawn at any time, giving you both liquidity and predictability — a mix that’s rare in traditional P2P lending products.

Key benefits include:
  • Target return: up to 6%* p.a.
  • Instant withdrawals
  • No lock-in period
  • No management or withdrawal fees
  • Low minimum investment – start with just €1

Go & Grow was designed for people who want to build a long-term passive income stream without micromanaging investments every single day.

Who Is It For?

Bondora Go & Grow is ideal for:

  • People new to investing who want a safe, simple way to start
  • Experienced investors looking for a low-effort, low-volatility component in their portfolio
  • Anyone frustrated with traditional savings accounts that pay almost nothing

Whether you’re saving for travel, your first home, or long-term financial security, Go & Grow offers a practical, digital-first way to build towards those goals.

Transparency and Trust

Founded in 2008 and based in Estonia, Bondora is one of Europe’s longest-running peer-to-peer lending platforms. With more than €900 million invested and over 180,000 investors across 40+ countries, Bondora has built its reputation on transparency, simplicity, and reliability.

Every Go & Grow investor gets access to a clear dashboard showing:

  • Daily earnings
  • Total balance
  • Deposit and withdrawal history

This level of visibility makes it easy to understand how your portfolio is doing at any moment — without spreadsheets or manual tracking.

Why Investors Choose Go & Grow

Bondora’s mission is to make investing as effortless as possible. Unlike traditional P2P platforms, you don’t select individual loans or manage risk manually. The system does the heavy lifting for you, while you benefit from stable daily growth.

Go & Grow combines:

  • Automation – Bondora’s allocation engine puts money to work efficiently
  • Flexibility – withdraw anytime, with no penalties
  • Growth – daily returns that compound over time

It’s one of the closest real-world versions of “set it and forget it” investing, while still keeping your money accessible.

🎁 Investor Welcome Bonus

New investors receive a €5 welcome bonus automatically in their Go & Grow account after signing up. It’s a simple boost to help you get started.

How the bonus works:

  • A €5 bonus is added automatically to a new investor’s Go & Grow account after sign-up, but it cannot be withdrawn during the first 30 days.
  • To keep the bonus, the investor must deposit at least €50 within 30 days of registering.
  • After that period, if the account balance is below €55 (€50 deposit + €5 bonus), the bonus will be removed.
  • If the balance is €55 or more, the bonus becomes withdrawable — it’s yours.

In practice, this bonus encourages you to build a real starting position instead of just “testing with €1 and forgetting about it.” It rewards commitment and momentum.

Final Thoughts

In an age of financial noise and complexity, Bondora Go & Grow represents a refreshing return to simplicity. It’s an accessible way for anyone — from students to professionals — to start building wealth without needing to become a finance expert.

*Go & Grow is not a guaranteed investment product, and returns may vary. Capital at risk.

Whether you’re just getting started or you’re looking for a stable, easily manageable component in your portfolio, Go & Grow sits right between traditional saving and modern investing: simple, digital, and built for real life.

⚠️ Affiliate Disclosure

Some of the links on this page are affiliate links. This means that if you sign up or invest through them, I may receive a small commission — at no extra cost to you.

These commissions help support the site and allow me to continue publishing free educational content about personal finance, passive income, and investing.


© 2025 My Passive Income

The best 8 reasons to become an individual investor

Nothing complicated, an individual investor is simply a person who makes certain investments on his own, from personal money.
This is unlike the big investors, the institutional investors, which are very large companies and engage in large-scale investments.
This is the reason why an individual investor is often called the “small” investor, even if this is not always appropriate …
Beyond the title, becoming a “small” individual investor today is one of the best decisions you could ever make.
I know, maybe at first glance it seems to be a very complicated, costly and time-consuming thing, but in reality it’s not like that.

Here are 8 reasons why becoming a “small” individual investor is a very great thing:

1. To get profits

Okay, this is probably the no.1 reason for which most people are thinking of becoming individual investors …
However, it is a good idea to know from the start what kind of profits you intend to get.
For example, if you want to get big profits quickly, even at the risk of disappointing, I have to tell you from the beginning that this is not working. At least not from investments. And certainly not on a regular basis.
On the other hand, if you want to make reasonable profits but on long and very long term, then you have a good chance of succeeding. You just have to make a good plan and keep it with consistency and the results will begin to appear.

2. To build a prosperous future for you and your family

Investments really work on long and very long term. That is, that is why their most beautiful results will come exactly when you will most need them: AFTER ending your active life when you get to … a “retirement”.
Then you will enjoy more than ever that in your youth you have made the decision to become an individual investor because your investments will continue to produce positive results that will significantly improve your standard of living.
Plus, you will have the opportunity to teach your children to do the same thing as you, so they will have the chance to continue your legacy successfully.

3. To create passive income streams

Of course, the sources of active income you have now are very important, whether you are an employee or you have a small business.
But they have a major problem: they are strictly based on your work. It is for this reason that you should not rely solely on them for the future, but start building yourself as many sources of passive income as you can.
They have the great advantage that they require very little of your time, energy and attention, and they continue to earn you income in your absence.

4. To get financially independent

Getting financially independent may seem – at first glance – just a beautiful dream …
But it’s not like that.
The passive income sources you build as an investor will develop over time in the long run, so it is very likely that at some point they will bring you enough income to sustain your living standards at a reasonable level.
On the other hand, without these passive income sources, it is certain that you will remain dependent on your work, so you will never get financially independent.

5. Because otherwise nobody cares about you

Okay, if you do not take care of your financial future, who do you think will take care of you later, the government, the state?
The pension system is already bankrupt, and works only because it is supported by the state budget.
Meanwhile active population declines and retirees are getting more and more numerous.
That’s why I think it’s a good idea to create your own investment system, which in the long run can turn into your primary source of passive income.

6. Because it is now easier than ever to do this

There is a preconceived idea that in order to be successful as an investor, it is imperative to have in-depth economic studies, to be a great specialist in this field, and to spend all day studying financial and graphic reports.
This is totally false.
Of course, being a trader in the capital market and in Forex is a full-time job, but there are tens of millions of ordinary people in the world who carry out their normal daily activities and invest PASSIVELY in the long run without much effort .
Also, the idea that to invest you need big amounts is totally wrong. Today there are many financial instruments that are very affordable and where even very small amounts can be invested.

7. Because the sources of information are very numerous

In the Internet age where we are, any investor can quickly find a wealth of information about the subject that interests him.

8. Because everyone does the same

All the responsible people are constantly concerned about their future in the long run.
And, as they know that the aid coming from the respective states (in the form of pensions) is rather limited, they are concerned about active life in contributing to private pension plans and build their own investment portfolios.
Because they know, for generations, that only in this way they will have the chance to build for themselves and their children a good future without stress, worry or need.

Financial freedom – one of the keys to happiness?

Obtaining financial freedom is one of the most important responsibilities in our lives, not just for personal well-being and for family, but also for getting rid of any health or inter-human problem that could be generated by the lack of money.

In a world marked by profound changes, which are succeeding at an alert rithm, and in which it becomes increasingly obvious that we are the only ones responsible for our future, setting as the goal of obtaining financial freedom is an important component of personal success.

Money can offer this freedom. The more money we have, the more freedom we have and the more options we can choose from. Achieving a sound financial education is only the first step in achieving material wellbeing, but it is indispensable in its preservation and the subsequent attainment of financial freedom, that particular state in which the winning of money no longer preoccupies us.

Financial freedom is a deeply individual state. No one can decide in our place how much money is enough to consider us financially free. This state can be achieved by anyone who engages firmly and persevering in achieving this goal, and the starting point is how to manage your personal finances.


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