- Term accounts are investments guaranteed by Younited (in capital and interest), and eligible for the Deposit and Resolution Guarantee Fund (up to 100,000 euros)
- Securitization mutual fund units (FCT) are not guaranteed (in capital and interest).
Regarding securitization mutual fund units (FCT):
The investment is not guaranteed, and the level of performance of the product depends on the repayment of the receivables present in the assets of the funds.
Nevertheless, Younited has implemented a strict risk management policy, in order to ensure the quality of the borrowers financed, and consequently, the adequate yield of the product.
As part of risk management, Younited Credit has implemented the following 3 mechanisms:
1° - a strict selection of Borrowers, with a scoring model and a grant policy based on best practices
2° - a rigorous collection policy for unpaid debts
3° - the establishment of a pooling system to distribute the outstanding payments of Borrowers among all Investors (operating by "funds")