Inyova Impact Investing Experience Report Review Criticism Fees Performance Return Costs Impact Investing Switzerland inyova review

Inyova review: Sustainable investing

The environmental movement is catching the eye of more and more people, including investors. Inyova (formerly represented under the name Yova) impact investing has set itself the task of making sustainable investing easy for us.

In the following, you can find out how the costs and returns behave, what criticism and what praise should be given Inyova experience report!

📊 Inyova - The most important things at a glance
Focusimpact investing via in-house, actively managed funds
RegulationFINMA-regulated
Minimum investmentCHF 2,000 (CHF 100 with a savings plan)
Total costs p.a.0.6% - 1.2% (depending on investment volume)
Fee levels1.2% up to CHF 50,000 - 1.1% up to CHF 150,000 - 0.8% from CHF 150,000
Investment strategyEquity exposure via the Inyova Fund (30 to 50 stocks), bonds via a green bond ETF
Pillar 3a✅ Yes, 0.8% all-in p.a.
Children's Accounts✅ Yes
Inyova GrowSustainable bonds with yields of up to 8%, higher risk
Amendment 2026Switch from individual shares to the company’s own fund completed (ISIN LU3075459852, TER 0.95%)
Tax statement✅ Incl.
AttentionFees significantly higher than traditional robo advisors
Who is it suitable for?Investors for whom sustainability comes before yield optimisation
💡 Schwiizerfranke assessment: Inyova is the most comprehensive sustainability solution in Switzerland, but it charges the highest fees of all the options. Anyone looking primarily to maximise their returns would be better off with finpension or VIAC. All providers in comparison →

Table of contents

Inyova review

Inyova Review Summary

The Swiss platform Inyova is a regulated investment provider for impact investing Switzerland. Inyova offers impact investing for investors from Switzerland.

Focus on sustainability, but we mustn’t lose sight of the return.
To keep the risk within manageable limits, the investments are broadly diversified. The
Securities are thoroughly assessed for their sustainability. The fees are
clearly set out. Since 2026, the equity component has been managed via a in-house
Fund, the selection of companies for the equity portion is now carried out at fund level.

Our Inyova experience report goes into detail, but we can already pass on a positive impression in advance! Inyova is constantly evolving - in addition to Invest and the Pillar 3a was also realised in 2024 Inyova Grow as a solution for sustainable alternative investments.

ℹ️ Update (July 2026): Switch to an in-house fund

Inyova has revised the investment strategy for Invest and Pillar 3a. The equity component is no longer held via directly held individual shares, but via the actively managed Inyova Impact Investing Active Equity Fund (ISIN: LU3075459852, TER: 0.95%). The fund holds between 30 and 50 companies, none of which has a weighting exceeding 5%. The fixed-income component is held via a green bond ETF. Existing portfolios have been transitioned gradually.

What this means for you: Previously, your equity portion consisted of individual shares held directly. Now, you hold units in a collective fund. You can still see which companies are included in the app, including your share in them. However, the selection itself is made at fund level. Since the changeover, it is no longer possible to individually exclude or favour specific companies within the equity portion. The equity portion is the same fund for all investors; individual stock preferences cannot be accommodated within it.

Good to know: The fund has been tradable on SIX in CHF since January 2026. In principle, you can also buy it through your own broker. In that case, the Inyova management fee does not apply, but in addition to the TER, the usual brokerage and trading costs may apply.

Inyova has also ceased its direct-to-consumer business in Germany with effect from the end of 2025; according to Inyova, this is due to increasing EU regulation (DORA). Its Swiss operations are not affected by this.

A brief digression: what is impact investing anyway?

ESG Investing with Freya Savings sustainable pillar 3a Impact investing Switzerland Freya 3a
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What is Inyova and how does it work?

Take an algorithm developed in collaboration with ETH Zurich, set it the goal of a sustainable investment strategy, and there you have Inyova. No, it’s not quite that simple Of course not. At the heart of it is a own Sustainability analysis, which assesses companies on the basis of their «handprint» and «footprint» – in other words, what a company produces and how it operates in the process.

Since 2026, Inyova has been carrying out this analysis in-house Impact Fund allocation. Your equity allocation consists of this fund, which comprises around 40 companies, none of which has a weighting of more than 5%. In addition, there is an ETF comprising green corporate and government bonds, which helps to dampen volatility. The breakdown between the two is determined by your risk profile.

In general, Inyova Impact Investing could therefore be described as a sustainable Swiss Roboadvisor classify. Your investments will be paperless which also corresponds to the aspect of sustainability.

By the way, Inyova stands for: Invest in your values.

Inyova Footprint Create Inyova Strategy

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Advantages of Inyova

  • Sustainability assessment: Companies are assessed in advance on their «handprint» and «footprint» – in other words, what a company produces and how it operates.

  • Swiss platform: Supervised by the Swiss FINMA, Inyova Impact Investing meets all regulatory standards

  • Flexible: Your money is very liquid, so it is easily accessible. If you suddenly need the invested capital, you can access it within a week. 

  • Low minimum deposit: From CHF 2'000 minimum deposit you can invest and gain your first Inyova experience.

  • Automated risk management: To ensure that your money is safely invested, Inyova Impact Investing always invests it in a broadly diversified manner.

  • Transparency: The fees of Inyova are clearly arranged. 

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Inyova review: Negative Inyova experience?

  • Fees: Although the Inyova fee calculator is very transparent, it also shows the costs that should not be forgotten. Investments of up to CHF 50,000, for example, incur a fee of 1.2%. But more on this below, under Inyova fees.
  • No client branch: If you're the kind of person who likes to make small talk in branches, Inyova is the wrong place for you. The company tries to keep costs low and therefore does not have branches. Instead, there are regular meet-ups and events where you can socialise with the team.

  • Inyova Grow: The Inyova Grow solution, which was launched in 2024, enables investments in sustainable projects via bonds with fixed interest rates of up to 8%. The offer has evolved, but harbours particular risks (illiquidity, issuer risk). Find out more in our Inyova Grow Review.

Inyova costs and fees

Digitalisation brings Transparency into formerly opaque areas such as the financial market.

In the course of our Inyova experience report, we have therefore naturally also Fees and have praise, but also criticism to note.

First the good news: Inyova’s administration fee is clearly listed and
on a sliding scale. Up to CHF 50,000, you pay 1.2% per year; up to CHF 150,000, the rate is 1.1%; and from CHF 150,000 onwards, it is 0.8%. This covers everything, including transactions, custody account management and currency conversion.

Since the switch to the in-house fund, a second layer has been added: the costs of the fund itself, which has a TER of 0.95%. According to the asset management agreement, Inyova reimburses clients for the product costs of funds, and the app shows these reimbursements separately in the return calculation. It is not clear from the public documents exactly how this is calculated. We have enquired with Inyova and will add their response here.

Let's say you want to get some experience with Inyova first and start with a small amount. You must invest at least CHF 2,000There is no upper limit.

For investments up to CHF 50,000, fees of 1.2% per year will be charged. For a sustainable investment of CHF 5,000, this corresponds to an Inyova fee of CHF 5 per month. In order to increase transparency, here is a comparison with a sustainable ETF and an Inyova ETF. Selma Finance.

In fairness, however, it must be said that Selma also automatically invests for you, and a Swiss service provider such as Inyova. However, sustainability is not a priority at Selma. Although you can switch all your investments to sustainable options at Selma at the touch of a button, the quality of the assessment of sustainability criteria is not comparable.

Inyova Performance Test Inyova Critique Portfolio Inyova Stock Strategies Selection

Pension provision with Inyova 3a: Sustainable pillar 3a

Since the end of 2021, customers have also been able to save or invest in 3a, which naturally improves the overall experience in the Inyova Review.

This makes Inyova one of the most consistent providers of Sustainable 3a pension provision in Switzerland. Whilst sustainability in Pillar 3a is now also available from other providers, it is rarely implemented as meticulously as it is at Inyova.

Important: The switch to the in-house fund also affects Pillar 3a. Until 2025, your 3a portfolio consisted of individual shares held directly, which set Inyova apart from all other Swiss 3a providers. Today, the equity component is managed via the Inyova Impact Fund. This brings Inyova structurally closer to finpension, VIAC or frankly, which have always used funds. The difference now lies in the sustainability analysis, rather than in the investment structure.

The Inyova 3a fees amount to 0.8% per year (all-inclusive, including transactions and currency conversions). By way of comparison: finpension 3a costs 0.39%, whilst VIAC costs between 0.44% and 0.53%, depending on the strategy. In the event of early withdrawal (e.g. to purchase a home or when moving away from Switzerland), additional fees may be charged by the pension partner Liberty.

To the Inyova Pillar 3a offer *

Inyova performance

Revenue and costs go hand in hand, that is clear. The Inyova cost example above has shown that the Fees with Inyova are not insignificant. It is not possible to give a general figure for the return. It depends primarily on your risk profile – in other words, on how your money is allocated between equity funds and green bonds.

New since 2026 One factor that affects the return: the Inyova Impact Fund is an actively managed fund comprising around 40 holdings. It does not track a broad index, but rather a selected portfolio. This may outperform the market, but it may also underperform, and with so few holdings, individual stocks carry significant weight. Anyone expecting a return in line with the market should be aware of this. We do not make any forecasts.

When you do some research and look at other reviews of Inyova, you keep hearing that sustainable investments generally yield lower returns. This doesn’t have to be the case, as «sustainability» can, for example, also remove environmental and other risks from the portfolio and thus potentially increase returns. However: due to the sometimes increased administrative burden and other necessary detours involved in the "Sustainability seal of approval There are, of course, costs involved which reduce the return.

Return on sustainable ETFs: Impact investing can generate good returns, but the focus isn’t solely on returns. If you want to invest sustainably, there are also more cost-effective options than using an asset management service. A broad-based sustainable ETF costs between 0.2% and 0.5% per year, depending on the provider, but you’ll then have to buy the shares yourself, rebalance the portfolio and file your tax return. What’s right for you depends on how much you want to do yourself and how strict your sustainability criteria are.

Inyova Savings Plan Fees Costs Comparison performance Inyova Yield Impact Investing sustainable investing switzerland
Inyova Savings Plan Function

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Conclusion on the Inyova experience

For many, sustainable investing is certainly a sign of the times. Forest fires, severe thunderstorms and heated debates about electric mobility are just a few examples. (Let’s leave Trump out of it for now.) Inyova Impact Investing has thus positioned itself well in terms of timing and is taking the hassle out of sustainable investing for the Swiss public.

What will be different in 2026: For years, Inyova was the only Swiss provider that allowed you to hold your shares directly and to include or exclude individual companies yourself. It is precisely this feature that has been lost with the switch to the in-house fund. Anyone who joined for this reason should reconsider their decision.

The Fees The fees remain high. They are not insignificant, and other digital asset managers are cheaper. However, Inyova carries out research for its sustainability assessment to a depth that no other Swiss provider matches. That is what you’re paying for.

The app is easy to navigate and the customer service team is friendly and quick to respond. In the comments below this post, readers have occasionally reported technical issues, such as problems logging in or with voucher codes. We pass on such reports as they arise.

In short: Who would benefit from Inyova? For you, if sustainability takes precedence over maximising returns and you’re prepared to pay more for it than you would with finpension, VIAC or True Wealth. If your main priority is low costs, you’d be better off looking elsewhere. And if you’ve come here for the ability to select individual shares, that option will no longer be available from 2026.

Tip: When opening an account, it’s worth taking a look at the current Inyova voucher code.

Let us know in the comments what you think of Inyova and sustainable investing in general!

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"Intelligent people learn from the mistakes of others".

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

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25 responses

  1. Thanks for the post. I ended up here because I want to set up a share portfolio for my children – sustainability is important to me in this regard.

    Three points of criticism:

    – Surely most of the comments here are from Inyova staff – who on earth would actually write «I think the fees are quite OK…»?»

    – A 12-month ‘no-fees’ voucher is on offer here, and it’s also available on the Inyova website. If you enter this when opening an account, it will have expired. The 6-month voucher works.

    – The login on the Inyova website isn’t working; although the initial login is successful, when attempting to log in again to verify the account, the message «Incorrect password» appears.

    Reply

    1. Hello Martin

      Thanks for the feedback, especially regarding the voucher. I’ve contacted Inyova. Thanks for bringing this to our attention – it will be sorted out straight away.

      I have also reported the login error.

      Regarding your first point: I can’t tell who’s commenting here. I only moderate out spam and insults – nothing else. Critical comments like yours stay up, as you can see.

      Just a quick note on your main concern, the children’s investment account: Inyova is sustainable, but the fees stand out when compared to others. Over an investment horizon of 15 to 20 years, fees make a significant difference. Have a look at the other options as well to compare them, then you can make your decision with all the figures laid out on the table:

      https://www.schwiizerfranke.com/kinderkonto-vergleich-schweiz-kinderdepot

      Best regards
      Eric

      Reply

  2. Hey everyone, thanks Eric for the report. I find the possibility to invest sustainably top!
    Therefore, whoever wants can use my referral code to benefit.

    Best regards Jürg

    Reply

  3. I signed up through your link and start with 100 euros. I do not want to invest too much in the beginning, because I'm a bit skeptical, but the voucher I take with pleasure.

    Reply

  4. Depuis novembre 2021 j'ai déjà perdu 1600 CHF sur 20'000 CHF avec que des pertes de jour en jour. Je regrette donc amèrement d'avoir placé cet argent sur InYova dont les performances sont misérables.
    Reste plus qu'à tout retirer avant qu'il ne reste plus rien de mes 20'000 CHF

    Reply

    1. Hi Anjoco, if you invest in stocks and other volatile assets, you have to expect fluctuations. Therefore, we always recommend that you only invest money that you will not need for the next 7-10 years. This way you don't have to sell at a loss in times like now, but can make profits in the long run.
      The sum you have indicated corresponds to about 8% minus. Since the Ukraine crisis is currently causing the stock markets to fluctuate, the 8% is not surprising. I do not give an investment recommendation. Hopefully, calmness and a long-term strategy will help you to make the right decisions.

      What do I do in times like now? Either keep my feet still and wait and see. Or buy more. But I don't sell, because I have a positive long-term expectation.

      No investment advice.

      Reply

      1. Depuis mon message de février les pertes ont continué d'augmenter et j'ai été contraint de retirer 16'000 CHF pour éviter des pertes encore plus lourdes, car plus le montant d'investissement est grand, plus one peut gagner en théorie, mais plus one perd en pratique dans le contexte actuel.
        Personnellement je ne crois pas à un investissement rentable sur le long terme de 5 à 10 ans car l'effet yoyo persiste sur la durée et le gain n'est donc pas progressif.

        Reply

  6. Thanks for your exciting article. I think the fees are quite okay considering that your money is invested sustainably for it. Hey and also, you can save the fees for 6 months if someone starts investing with your code at Yova. Also the new investor pays no fees for 6 months. Timo

    Reply

  8. Find this a great way to invest even as a beginner. I am very new here and also find it great that the fees of 6 months are given to you when someone starts investing with your code at Inyova.
    Also the new investor pays no fees for 6 months. It is worth it for both of us 😉

    Reply

  9. I have been with Yova for 5 months and am super satisfied. I find the fees ok, my main argument is the sustainability and that I can choose the areas in which I want to invest. But I also haven't done a comparison with other providers. After all, you can save the fees for 6 months if you have someone start investing with your code at Yova. Also the new investor pays no fees for 6 months. So anyone who wants to try Yova fee free for 6 months, feel free to do so with my code: 02e82. Thanks to Eric for letting me publish the code here. Anne

    Reply

  10. Sustainable investing is important and should cost something. What I cannot understand, however, is why Yova and Selma are working with a partner that can hardly fulfil the claim of "impact investing". The customer funds are placed with Saxo Bank, which belongs to 51% the Chinese car manufacturer Geely (MSCI ESG rating = BBB, i.e. unsatisfactory). That's a shame, because sustainability must also be exemplified. Then Descartes Finance or TrueWealth.

    Reply

    1. Hello, Elena,
      I absolutely agree with you - sustainability can cost something. I am convinced that it will pay off in the long term.
      By the way, Geely as an automaker has a better ESG risk score than Tesla. This is despite the fact that Tesla has greatly reduced its use of cobalt, for example, and keeps a close eye on this aspect with its impact reporting.
      I think what's important is that the providers somewhere begin and implement. But I understand your point if you also care about partners of a company in the screening.

      Reply

  11. I can confirm all what is above. Yova is super simple and really let you choose a nice panel of preferences and finally each company. You don't need any foreknowledge, and you don't have anything to keep track of. Transferring more money is also very simple. Everything is very transparent, easy to follow on your mobile phone. Yes it may appear expensive but so far the performance justifies it. At the end, my interest is not to make money but rather to have my money working for a better world.

    Reply

  12. I can just advise the platform. It's working perfectly and the stock picks are in line with the sustainability expectation I had.

    Reply

  13. Been with Yova for about a month. So far I'm very satisfied. I have also chatted with a colleague once, was super friendly.
    The comparison with Selma is a bit misleading, Yova invests directly and not via ETFs. In addition, each company is analysed much more closely and only those shares are bought that match the personal criteria.

    Reply

    1. Hi, Fabio,
      Correct, a direct comparison is difficult. As Roman has already mentioned below, investing with Yova may harbour the risk of strong fluctuations - precisely because the investments are adapted to personal criteria, as you say.
      Diversification is a topic in itself. But sustainable investing is a good thing and if you are happy with Yova, I am all the more pleased! 🙂 Best regards!

      Reply

  14. Hello Nico W. Hello Eric

    I am from FREYA Savings, another Pillar 3a provider that offers exclusively responsible investments. I would therefore like to respond briefly to your questions / information:

    1) Nico: Why is YOVA relatively expensive (1.2% TER)? My answer: By investing directly in individual securities, YOVA incurs relatively high transaction costs - with monthly re-balancing this becomes very expensive. On the other hand, YOVA offers a higher degree of individualisation. Another negative aspect is that the YOVA portfolios are very concentrated (less than 100 stocks) and have a strong "small cap tilt" (i.e. the individual stocks tend to be small-capitalised growth stocks). My assessment is that this leads to much greater fluctuations in value in the YOVA portfolios than in portfolios based on market capitalisation-weighted benchmarks such as the MSCI World All Country. - I therefore believe that the risk/return profile of YOVA is fundamentally rather special and could be recommended to investors who want to make a clear impact-first (before performance and risk) decision with a portion of their free assets. For a portfolio where it represents a significant proportion of total personal wealth in terms of importance, this strategy choice would perhaps be too untested for a layman.

    2) Comparison of the sustainability strategy of YOVA and SELMA (Eric). At YOVA, investments are selected very strongly according to the desired impact. Yova calls it the company's "handprint". SELMA, on the other hand, pursues a classic "exclusion" approach, where sectors such as coal are excluded, which are avoided according to the UN Global Compound and also by many other ESG investors. This is a very proven and less selective approach than YOVA. However, the SELMA portfolio also achieves a high level of effectiveness through a weighting of large-cap stocks and a stronger weighting of sectors and companies that are less harmful in terms of CO2 emissions. After all, climate change is one of the biggest problems - and it seems sensible and logical to take this into account when investing.

    The two approaches are therefore quite different in terms of sustainability, risk, benchmarking, yield/performance and costs.

    hope this helps!

    novel

    Reply

  15. After all, you can also make sustainable investments with Truewealth. This provider, which is also cheaper than Selma, is not mentioned in the report. Can you give a brief assessment of Truewealth compared to Jova regarding?

    Reply

  16. Thanks, exciting review. Find sustainable investing exciting, but it is very expensive at Yova. My question:

    Selma also offers a sustainable option and is much cheaper. What is the difference between Selma's sustainable option and Yova? Is Yova the same only in price?

    Reply

    1. Hello Nico, thank you very much for your positive feedback!
      Sustainability is not a term set in stone. What is considered sustainable is constantly changing and is therefore not easy to implement in a portfolio. Yova is strongly committed to this and, according to its own statements, puts a lot of effort into the review. How it really looks like is difficult to assess. At Selma you can also switch your portfolio to sustainable, then investments are consciously increased, for example where the CO2 balance is right. Or stocks of tobacco manufacturers or companies with scandals are avoided, here you will find details to that.
      As Selma takes your general financial situation into account and then applies the sustainability theme precisely to your portfolio, we really like it! It's not "just" investing sustainably, but choosing investments that are sustainable AND suit you.

      Does that help you?

      Reply
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