How is my portfolio diversified?
To balance your exposure towards single projects, our initial strategic set up aims for a diversification over 6-8 projects. Initially, there might be only one active project online for funding, but new projects are coming soon. If your opportunity profile is set to 100% project investment, 1/8 of your existing funds will be invested in the selected and committed project. For one project, 1/8 will go into the project and the remaining 7/8 will stay in the Interest Fund. If you commit to two projects, 1/8 goes into each project, with 6/8 in the Interest Fund, and so on. This strategy optimally distributes your portfolio and minimizes risks. Note that the minimum investment for each project varies. For instance, if a project requires a minimum investment of CHF 1,000, you need a total of CHF 8,240 to have CHF 1,000 invested in the project (1/8) plus a 3% cash reserve.
We will soon introduce a feature that allows you to adjust the maximum amount you can invest in a project. You'll be notified once we initiate this feature and further details will be provided.
Do I have full control over my investments?
Yes, you retain full control over your investments as new projects are added. Even if your strategy is set to 100% project investment, you need to commit to each project individually. Inyova will not invest your funds without your consent.
What is the 3% cash reserve?
Inyova Grow maintains a cash reserve of 3%. This means that only 97% of your funds are eligible for investment in the Interest Fund and projects.
We maintain this reserve to ensure the smooth operation of the financial instruments that underlie the Inyova Grow offering, which includes project bonds and the Interest Fund position.
Is there a minimum investment amount?
Yes, the minimum investment amount to start with Inyova Grow is CHF 2,000.
If the amount for a specific project does not meet the minimum threshold, the funds will remain in the Interest Fund until the requisite sum for the project investment is attained.