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Inyova Grow experiences in the Inyova Grow experience report all Inyova Grow tests and fees and costs review

Inyova Grow Review:

Opportunities and risks with alternative investments

Inyova Grow is an alternative to Inyova Investthe sustainable Swiss asset manager Inyova.
Inyova Grow was launched in April 2024 as a solution for Sustainable alternative investments created. As the offer is new, there is no Inyova Grow experience report here yet, but at least there is a first Inyova Grow review.

Alternative investments are otherwise rather speculative and unfortunately often lack transparency. So you can look forward to the Inyova Grow test report, there are some important aspects to know. 

What Inyova Grow experience is expected?

Inyova Grow enables investments in sustainable projects. These earn interest of up to 5%, which looks very attractive at first glance.

You can select the Inyova Grow projects yourself in the app and thus have the following advantages:

  • Direct impactbecause the projects (such as solar parks or wind farms) can be selected individually.
  • Attractive returns of up to 5%.
  • Digital and easy access to sustainable alternative investments.
  • Start from a minimum investment of CHF 2,000 and there is even a Savings plan function.
inyova grow test report on yield and interest rates with risks and disadvantages

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Inyova Grow disadvantages and risks

  • No guaranteed returnThe 5% indicated is a target, not a guarantee. The actual return may vary depending on many factors.
  • Inyova Grow fees and costsThese are not entirely minor and we will look at them in more detail in a moment.
  • Risk assessmentThe investments offered by Inyova Grow are alternative investments. These less regulated investments are generally less transparent than investments on the capital market (such as shares). 
  • Note the risksDelays in repayment, cronyism within the projects or newly arising costs can reduce the return or even lead to a total loss. Fortunately, Inyova Grow works with money market funds, which are better regulated and carefully scrutinised and selected by Inyova.
  • Currency risksAlternative investments should not forget the currency risk. For example, if a project is processed in euros, your investment is subject to the euro/Swiss franc currency risk.

Inyova Grow investments are realised via money market funds, which means that the investments are liquid and generally well checked. A review and selection process also takes place within Inyova, so that the offer is more secure.

Inyova Grow fees and costs

Depending on your behaviour, your Inyova Grow fees between 0.46% and 0.95% per year lie.

The Inyova Grow fees are calculated as follows:

  • 0.35% Fees per year on uninvested capital within Inyova Grow.
  • 0.11% Fees per year in fund fees for the interest fund.
  • 0.95% Total fees per year on invested capital

The product costs are therefore relatively low (0.11%). However, Inyova charges a fee for checking and selecting projects and providing the service. This amounts to 0.35% if no project has been invested in and 0.95% as soon as the money has been invested.

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Liquidity and capital commitment: Important considerations

  • Long-term commitmentThe Inyova Grow projects differ in terms of maturity. In our Inyova Grow test, for example, a wind farm bond with a term of 3 years was offered.
  • Planning financial flexibilityThe availability of the invested money is limited, which can lead to problems in the event of financial bottlenecks.
    Inyova Grow has no restrictions on the withdrawal of investments, meaning that they can theoretically also be traded during the term. In practice, however, the situation is different, as the projects are usually illiquid. The wind farm bond mentioned above, for example, has no secondary market and can only be sold in three years' time.
inyova grow review experiences for testing cost comparison

A brief comparison with the wind farm bond "NEAG Norddeutsche Energie Invest 2", for example:
The bond is issued in euros and has a term of 3 years. At the time of publication of the new solution and this Inyova Grow experience report, you will receive 2.66% interest on German government bonds (due to the euro comparison) with a term of 3 years.
German government bonds naturally have a much lower risk than a bond issued by a single wind farm project.

Also the Currency risk should not be forgotten by Swiss investors.

Conclusion on the Inyova Grow experience

Surely in this short Inyova Grow Review read out that Alternative investments are not necessarily high on our list of favourites.

The Inyova team will certainly make a good selection of grow projects and offer exciting investments in the future. However, bear in mind the risks of alternative investments and especially the commitment of your investments.

Many investors are probably satisfied with the classic solution of Inyova Investthe offer on the capital market. This is because there is no investment term and the risk can generally be spread more widely.

Was this assessment too pessimistic? Have you already done an Inyova Grow test? Feel free to share your experiences in the comments!

Our financial tips 2024

"Intelligent people learn from the mistakes of others".

We have compiled our top selection for you from all our tests and experience reports:

2 Responses

  1. I saw the live performance and came to the same conclusion. The risk should not be underestimated and neither should the payback period. I'll stick with the normal Inyova products.

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