Community Offer

Everything in this account is yours – all the cash, shares and government bonds.

Nobody stands between you and your money, not even Inyova. As your asset manager, we are authorised by you to implement your investment strategy, buying stocks and bonds in your name, and performing the management activities outlined above. We cannot ever withdraw money from your account or transfer it anywhere but to your original account. You can check the activity in your account at any time – everything is 100% transparent and clearly recorded.

Because Inyova investments are based around highly-traded stocks and bonds, your investment is completely liquid. If you decide to withdraw your money, generally it will be in your account within seven business days.

Your money is held in an account in your name, at our transaction bank, Saxo Bank Switzerland. The bank is governed by Swiss law and the Swiss Financial Market Supervisory Authority (FINMA).

Importantly, your stocks and bonds are always kept separate from the assets of both Saxo Bank and Inyova – meaning if either party goes into bankruptcy, your stocks and bonds are not considered part of the company assets.

We use modern portfolio theory to optimise your potential returns within the level of risk you are able to take on. Your investment is diversified so that it develops in the same way as the global economy over time. It is designed to achieve profits in the long term, however small deviations are always possible and can never be excluded.

Inyova offers you an integrated investment solution – a strategy that harmonises your asset situation, your risk profile and your financial goals in the best possible way. But what makes us unique?

– Invest according to your values. Nowhere else can you control the impact your money has, including what companies and activities it supports. You decide what criteria is important to you, and we ensure your strategy is implemented with professional financial expertise.
– Enjoy full control and transparency. You know exactly what stocks you have invested in – and can change it if you wish. If you ask a bank advisor or fund manager what will happen to your money after you give it to them, they are unlikely to give you a good answer (and even if they can tell you, there’s no way you can bring about change).
–Nothing stands between you and your investment. With other investments, there are unnecessary layers and middlemen between you and your money. With Inyova, you own company shares and the government bond funds directly on an account in your name. This is what a modern investment should look like!

We use the bank only as a custodian for you money, but we offer a level of transparency and customisation that you will not find anywhere else.

In addition, our financial expertise is supported by our extensive sustainability experience. Unlike banks, we manage your money together with you – ensuring your portfolio exists in harmony with your values.

– Compared to funds: We are much cheaper than traditional funds. This is because we don’t employ fund managers to move your money back and forth on a daily basis (who then collect a lot of fees and commissions in the process). Furthermore, we are more transparent. Our customers know where their money ends up.
– Compared to ETFs: In a nutshell, we allow you to directly buy company shares, rather than buying into a bundled product. For a detailed explanation, refer to the ETF question further down this page.
– Compared to real estate investing: Real estate is less liquid than a stock market investment. You can sell company shares on the stock market and quickly have the cash back in your account. Besides, real estate involves a lot of maintenance and hassle!
– Compared to a savings account or piggy bank: A diversified stock market investment is likely to grow over time, while a deposit in a savings account will be restained by the low interest rates on offer. On the other hand, the stock market can drop for a period of time, making it more volatile.

It is much easier to trade and much more liquid than government bonds themselves.
It is also already diversified, as the ETF contains a variety of government bonds from industrialised countries around the world.
However, the stock part is not invested in an ETF, but into stocks directly. Stock-based ETFs have one big disadvantage: you cannot control what companies you invest in. You simply buy a bundled product. For example, you can put your money into an ETF based around the Swiss stock index, or a theme such as “Clean Energy”. But you won’t know what stocks such a fund contains. In addition, the fund manager gets to decide how to define “clean” – and he or she can change this definition at any time.

When you invest directly in the stock market, you know what exactly you have and you retain this control at all times.

The advantages of an ETF are that they are easy and low cost – but you lack personalisation and the fit with your values. At Inyova, you get these two things at a fair price tag!

In a nutshell, we do the heavy lifting and day-to-day maintenance. You retain full control over the direction your investment takes, and you can access your money at any time – you don’t even need to go through Inyova to do this!

Your risk profile is a combination of your willingness to take risks (risk tolerance), as well as your financial capacity to take risks (risk capacity). When you take our discovery questionnaire, we ask you questions to understand your risk profile.

Risk capacity: How much risk you can afford to take on, considering your income and total wealth, your age, and how many people depend on you for financial support.
Risk tolerance: The level of risk you are emotionally comfortable with (we don’t want you losing sleep at night). Everyone is different, and some people don’t realise how risk-averse or risk-taking they are until they complete our discovery questionnaire.

Why? The most profitable investments tend to have bigger swings up and down in value across the short-term. But history shows that over time, the stock market’s upward swings are bigger than the downward swings. As an example, the value of stocks will usually fall significantly in an economic crisis. If you need to sell your stocks in the middle of the crisis, you may lose a lot of money. But if you can wait a few years, your stocks will probably be more valuable than government bonds again.

Shares bring more profit in the long run, but you may need to ride out short-term fluctuations.

One way around this is to define a “reserve” in your Inyova portfolio. This portion of your money will be invested in safer (but somewhat less profitable) government bonds. This is a great option if you already know you will soon need a certain part of the money.

We decided it was time to take responsibility. Responsibility for our environment, society, and the future world our children will live in. We knew a way to give you the opportunity to invest according to what you think is right – without having to sacrifice your financial goals.
We were not inspired with our experiences investing our own money. There was no transparency, and we had little influence over what our money did or who was allowed to manage our savings. We knew there was a better way!