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Inyova Grow Review:

Opportunities and risks with alternative investments

Inyova Grow is an alternative to Inyova Invest, the sustainable Swiss asset manager Inyova.
Inyova Grow was created in April 2024 as a solution for sustainable alternative investments. Because we at Schwiizerfranke generally tend to stay away from alternative investments, this is less of a classic Inyova Grow experience report and more of an Inyova Grow review focussing on fees, risks and current projects.</span

Alternative investments can be exciting, but they are also associated with particular risks. In this Inyova Grow review, we take a close look at the current fee structure, the projects on offer and the main advantages and disadvantages.

Table of contents

What Inyova Grow experience is expected?

Inyova Grow enables investments in sustainable projects via bonds. These bear interest of up to 8%, 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 interest rates of up to 8%. (Depending on the project and currency).
  • Digital and easy access to sustainable alternative investments.
  • Start from a minimum investment of CHF 1,000 
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Inyova Grow disadvantages and risks

  • Issuer riskThe projects are financed via bonds issued by project companies - often limited liability companies. If the issuer has payment difficulties, there is a risk of total loss in the worst case. This is a significantly higher risk than with a bank or government bond. In contrast to bank deposits, these investments are not subject to deposit protection
  • Inyova Grow fees: The All-in fee of 0.95% reduces your net yield noticeably - more on this in the next section.
  • Fixed interest rates, but project risks: Although the interest rates are contractually fixed, delays in repayment, problems within the projects or unexpected costs can reduce the return on alternative investments.
  • Currency risks (for EUR projects): Some projects are processed in euros - as a Swiss investor, you bear the EUR/CHF currency risk here. On the positive side, Inyova now also offers projects in CHF, which eliminate this risk.
  • Illiquidity: The bonds have fixed maturities (typically 3-6 years) and no active secondary market. Your money is tied up until repayment - more on this in the Liquidity section.

According to Inyova, it carefully checks each project before it is offered on the platform. This is positive, but as an investor you should assess the risks of each individual project yourself - especially the issuer, the currency and the term.

Inyova Grow fees and costs

Inyova has simplified the Inyova Grow fee structure. Currently applies:

  • 0.95% per year on invested capital - as a flat-rate all-in fee (incl. custody, foreign exchange and other costs).
  • 0% on uninvested capital - Money that is in your Inyova account but not yet allocated to a project is free of charge.

The fee is automatically deducted from the annual interest rate. For a project with a gross interest rate of 7%, you will effectively receive approx. 6,05% after Inyova fees.

For comparison: For a classic Inyova Invest portfolio, you also pay between 0.6% and 1.2% per year - depending on your assets. The Grow fee is therefore within the same range, although with Grow you bear a more concentrated risk (individual projects instead of a broadly diversified portfolio).

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Liquidity and capital commitment: Important considerations

  • Long-term commitment: The Inyova Grow projects typically have terms of 3 to 6 years. The reconcept project currently offered in CHF, for example, has a term of 5 years (2025-2030), while the Consilium Solar Bond also has a term of around 5 years.
  • Planning financial flexibility: The availability of the invested money is severely restricted during the term. Bonds generally do not have an active secondary market - your capital is tied up until repayment. So only plan with money that you won't need in the next few years.
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A brief comparison using the example of the Consilium Solar Bond 2025/2030:
This bond offered at Inyova Grow at the time of testing is issued in euros and has a term of approx. 5 years. The gross interest rate is 7.0% p.a., after Inyova fee approx. 6.05% remain.

For comparison: German government bonds with a comparable term currently yield around 2.1%. The yield premium of almost 4 percentage points reflects the significantly higher risk - because the issuer (Consilium Project Finance GmbH) is a small project company, not a bank or a state.

Also the Currency risk remains an issue for EUR projects: if the EUR/CHF exchange rate fluctuates unfavourably during the term, this can significantly reduce the return or even turn it negative.

Positive: The reconcept project (6.25% in CHF, 5-year term), which is also offered, avoids the currency risk as it is denominated directly in Swiss francs.

Conclusion on the Inyova Grow experience

Inyova Grow has developed noticeably since its launch in April 2024: The fee structure has been simplified, there are now also projects in CHF, and the advertised Interest of up to 8% are quite attractive.

However, there are still important points that you should bear in mind: Your Capital is tied up for several years, the Issuers are often smaller project companies (GmbHs), which entails a corresponding risk of default, and in the case of EUR projects, as a Swiss investor you bear a risk of default. Currency risk. It is therefore not without reason that the yield premium over government bonds is so high.

For investors who already have a broadly diversified portfolio (e.g. via ETFs or Inyova Invest) Inyova Grow can be an interesting addition for investors who wish to invest part of their assets in sustainable projects with fixed interest rates. However, we still do not see it as a core investment due to the concentration and liquidity risks.

Have you already had experience with Inyova Grow? Share them in the comments!

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3 responses

  1. I have invested with Invoya Grow and am very satisfied so far. The bonus of CHF 500 was credited to my account because I had paid in a certain basic amount. The support by e-mail and telephone is very fast. I'm curious to see how Grow develops, but I can recommend it so far.

    Reply

  2. 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.

    Reply
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