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
Focus impact investing via in-house, actively managed funds
Regulation FINMA-regulated
Minimum investment CHF 2,000 (CHF 100 with a savings plan)
Total costs p.a. 0.6% – 1.2% depending on the investment volume, including product costs
Product costs The TER of the Inyova Impact Fund 0.95% will be fully reimbursed by Inyova
Fee levels 1.2% up to CHF 50,000 · 1.1% up to CHF 150,000 · thereafter on a degressive basis down to 0.6%
Investment strategy Equity exposure via the Inyova Impact 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 Grow Sustainable bonds with yields of up to 8%, higher risk
Amendment 2026 Conversion of directly held individual shares to a fund completed
Tax statement ✅ Incl.
Attention Fees remain significantly higher than those charged by low-cost robo-advisers
Who is it suitable for? Investors for whom sustainability is more important than keeping costs as low as possible
💡 Schwiizerfranke assessment: Inyova is one of the most rigorous sustainability solutions in Switzerland. The new fund structure invests capital more efficiently, whilst at the same time eliminating the previous practice of selecting individual shares. In terms of pricing, Inyova remains significantly more expensive than the cheapest digital asset managers. 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 sustainable investment solutions for investors in Switzerland.

Focus on sustainability, but returns must not be overlooked. To limit risk, investments are diversified. Companies are selected on the basis of the fund’s own sustainability analysis. Since 2026, the equity component has been managed via a in-house funds, the selection of companies is now carried out at fund level. The fees shown are transparent and, thanks to a full TER refund, correspond to the effective total costs.

Our Inyova review goes into detail, but we can already share a positive first impression. Inyova is constantly evolving – alongside 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%). According to Inyova, product costs will be refunded in full. The fund holds between 30 and 50 companies, none with a weighting of more than 5%. The fixed-income component continues to be held via a green bond ETF. The transition of the existing portfolios has now been completed.

What this means for you: Previously, your share portfolio 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, along with 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.

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, of course it’s not quite that simple. At the heart of it all 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 Inyova Impact Fund 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 organise. Your investments are managed digitally, and the balance between shares and green bonds is determined by your personal risk profile.

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: Inyova is regulated by the Swiss FINMA and is subject to the relevant regulatory requirements.
  • Flexible: The money you have invested remains available at all times. Depending on the processing time, you should allow a few days for a withdrawal.
  • Low minimum deposit: From CHF 2'000 minimum deposit you can invest and gain your first Inyova experience.
  • Automated risk management: Inyova takes care of the day-to-day management and diversification of your portfolio in line with your risk profile.
  • Transparent costs: The fees are clearly tiered. According to Inyova, the product costs of the funds used are refunded in full.
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Inyova review: Negative Inyova experience?

  • Fees: The fees are clearly set out, but remain among the highest when compared with other digital asset managers. For assets of up to CHF 50,000, you pay 1.2% per year. See the ’Inyova Fees« section below for more details.
  • No retail branches: Inyova relies entirely on digital support and does not have any traditional branches. Instead, meet-ups and events are held regularly to facilitate interaction with the team.
  • Inyova Grow: Launched in 2024, the Inyova Grow solution enables investment in sustainable projects via bonds with fixed interest rates of up to 8%. The offering has evolved, but carries specific risks such as illiquidity and issuer risk. Find out more in our Inyova Grow Review.

Inyova costs and fees

Fees are among the most important aspects of the whole Inyova experience report. When it comes to long-term investing in particular, even a few tenths of a per cent can make a big difference over decades.

The good news: The management fee is clearly stated and is tiered according to the size of the investment. Depending on the value of the assets, the total costs range between 0.6% and 1.2% per year. This includes account management, transactions and currency conversions.

Since the switch to the in-house fund, a second layer of costs has been added: the Inyova Impact Investing Active Equity Fund has a TER of 0.95%. Under the asset management agreement, these product costs are refunded in full to clients. As a result, the reported management fees correspond to the effective total costs. The refund is shown separately in the app.

Entry is from £2,000 possible. You can then continue with the savings plan with deposits starting from just CHF 100.

For fixed assets of CHF 5,000, 1.2% fees amount to around CHF 60 per year, or CHF 5 per month. How does this compare with a sustainable ETF or Selma Finance The following overview shows the impact this has.

By way of comparison: Also Selma offers sustainable investment strategies. However, the approach differs. Whilst Inyova places sustainability at the heart of its strategy and selects companies based on its own impact criteria, Selma is based on a broader asset management approach with an optional sustainability filter. Which solution is more suitable therefore depends not only on the fees, but also on your personal priorities.

Inyova Performance Test Inyova Critique Portfolio Inyova Stock Strategies Selection

Pension provision with Inyova 3a: Sustainable pillar 3a

Since the end of 2021, Inyova has also been offering a Pillar 3a . This makes the provider one of the most committed providers of sustainable pension solutions in Switzerland.

Although you can now find sustainable investment strategies with other 3a providers too, Inyova goes significantly further in its selection of companies and places a much greater emphasis on the concept of impact than most of its competitors.

Important: The switch to the in-house fund also affects Pillar 3a. Until 2025, your portfolio consisted of individual shares held directly. Today, the equity portion is invested via the Inyova Impact Fund. This means that Inyova no longer distinguishes itself through its investment structure, but primarily through its own sustainability analysis and the selection of companies.

The fees for the Inyova Pillar 3a scheme are a flat rate of 0.80% per year (All-inclusive, including transactions and currency conversions). By way of comparison: finpension charges around 0.39% to 0.42%, whilst VIAC charges up to around 0.44%, depending on the strategy. In the event of an early withdrawal, for example 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

Returns and costs go hand in hand. Inyova’s fees are higher than those of many other digital asset managers. At the same time, it is not possible to make a blanket assessment of the return. It depends, amongst other things, on your risk profile and, consequently, on the allocation between shares and green bonds.

Since 2026, another factor has come into play: The equity component is implemented via the actively managed Inyova Impact Fund. This fund invests in around 30 to 50 companies and does not track a traditional market index. As a result, its performance may at times be better or worse than that of a broadly diversified global index. It is impossible to say in advance which option will outperform in the long term.

It is often claimed that sustainable investments generally generate lower returns. There is no universal rule on this. Depending on the sustainability approach, the market phase and fees, sustainable strategies may outperform or underperform traditional market indices.

Return on sustainable ETFs: Anyone wishing to invest sustainably will also find more cost-effective alternatives to asset management. Broad-based sustainable ETFs often cost between around 0.20% and 0.50% per year, depending on the product. In return, you take care of investment decisions, rebalancing and tax returns yourself. Inyova, on the other hand, is aimed at investors who wish to combine an impact approach that is as consistent as possible with professional management.

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

Inyova Promotional Code Voucher

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Conclusion on the Inyova experience

Inyova takes a clear approach: sustainability is not merely a secondary consideration alongside returns, but lies at the heart of its investment strategy. This continues to set the provider apart from most Swiss robo-advisors to this day.

What has changed in 2026: The previous approach of investing in individual shares has been replaced by an in-house fund. As a result, the portfolio is now more broadly diversified and can be managed more efficiently. At the same time, this removes the option to include or exclude individual companies on a case-by-case basis. Anyone who particularly valued this level of personalisation should bear this in mind when making their decision.

The Fees remain among the highest in the Swiss robo-advisor market. In return, you get a much more consistent impact-focused approach than with traditional ESG solutions. It’s up to you to decide whether this added value is worth the extra cost.

The app has a clear layout and, in our experience, customer service responds quickly. Occasionally, readers mention technical issues in the comments, such as problems logging in or with voucher codes. We monitor such feedback on an ongoing basis and take it into account in our updates.

Our conclusion: Inyova is particularly suitable for investors who consciously prioritise sustainability over the lowest possible expense ratio. On the other hand, those primarily seeking returns in line with the market whilst keeping fees to a minimum will find that finpension, VIAC or True Wealth more suitable alternatives.

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

How important is sustainability to you when it comes to investing? Please feel free to share your experiences or views in the comments.

Our financial tips for 2026

"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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