{"id":603,"date":"2023-12-13T13:38:29","date_gmt":"2026-05-11T15:07:06","guid":{"rendered":"https:\/\/younited.com\/partners\/support\/liquidity\/"},"modified":"2026-05-11T15:59:57","modified_gmt":"2026-05-11T15:59:57","slug":"liquidity","status":"publish","type":"support","link":"https:\/\/younited.com\/partners\/en\/support\/liquidity\/","title":{"rendered":"Is the investment liquid?"},"content":{"rendered":"<p>Investing in FCT (Fonds Commun de Titrisation) units offered by Younited Credit offers natural, but limited liquidity.<\/p>\n<p><strong>The liquidity of the investment corresponds to the cash generated by the fund&#8217;s receivables (monthly repayments, collections, prepayments).<\/strong><\/p>\n<p>Every month, borrowers pay a monthly instalment on their credit, make early repayments, or repay their monthly instalments late. This represents several thousand deductions, and between 3% and 5% in value of each fund.<\/p>\n<p>Each month, these withdrawals are transferred to the fund; this liquidity contribution makes it possible to :<\/p>\n<p>&#8211; Settle investors&#8217; share redemption requests (as a priority)<\/p>\n<p>&#8211; If no repayment is requested, cash is reinvested in new loans<\/p>\n<p>In the extreme case of all investors requesting redemption of their shares at the same time, share redemption orders would be executed on a pro rata basis, with each investor receiving between 3% and 5% every month until full redemption.<\/p>\n<p>In practice, investors wishing to exit can request a total or partial redemption of their investment via their investor client area, which will be executed as soon as possible depending on the liquidity available in the funds, after a 30-day notification period.<\/p>\n","protected":false},"template":"","category_faq":[],"target":[355],"class_list":["post-603","support","type-support","status-publish","hentry","target-investors"],"acf":[],"yoast_head":"<title>Is the investment liquid? 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