neon and Inyova – Pillar 3a
neon always wants to make sure you have the best possible product. There is a huge demand for different features and we’re not able to meet every need ourselves. That’s why we work with partners. These partners need to align with our philosophy, and (above all else) they also need to benefit you by meeting these very needs. For this to work, our partners have to be affordable, digital and always on the hunt for world-changing products. In this blog, we’ll be introducing you to our hand-picked partners – who knows, you might even find something that’s up your street.
Note: our partnership with Inyova is a paid cooperation.
You may already be familiar with Inyova. We have been working with this Swiss fintech start-up for several years now. Inyova makes it easy for you to invest in sustainable companies. You can find out more about Inyova's investment product here. As for this post, it is about a new product from Inyova: a sustainable 3a pillar!
Who’s Inyova?
Inyova is a Swiss fintech start-up specialising in impact investing. As the name suggests, impact investing is about making a difference through your investment. So it's not just about your return, but also about what is done with your money. A typical example of this would be a company that produces solar energy. Investors who care about renewable energy can invest in this company. The result is a win-win situation. The investors get the return, the company gets the capital and Mother Nature enjoys solar electricity. This works not only with 'normal' investments, but also with your 3a pillar!
How does the Inyova 3a pillar work?
Inyova allows you to invest in areas that interest you and in which you want to make a difference. It works as follows: At the beginning, you define the themes that are important to you. Optionally, you can choose individual companies that correspond to these themes. Then you define your risk profile and decide how much you want to invest. Inyova then takes care of the rest for you. Inyova distributes your investment as optimally as possible in terms of risk and executes your strategy. The risk is also managed continuously. The account is opened by Schwyzer Liberty 3a Vorsorgestiftung. As is customary in Pillar 3a, you can only draw on your assets at certain times or in clearly regulated cases.
At Inyova's, transparency is a priority. There are no hidden fees. Pillar 3a fees are 0.8% per year, plus product fees of between 0 and 0.24%, depending on your risk profile. You don't have to be a millionaire to open a Pillar 3a with Inyova. Thanks to fractional shares, you can start with as little as CHF 100 and the maximum amount you can deduct from your taxes this year is CHF 7'056.
The deal
Not yet an Inyova customer (neither for Pillar 3a nor for the investment product)? Then here’s the special offer for you:
Open your new Inyova Pillar 3a by clicking on this link and entering the code «neon3a». If you transfer at least 100 CHF from your neon account to your Inyova 3a account, you will receive 120 CHF on your neon account!
Plus: If you transfer existing 3a funds of at least 5'000 CHF from another provider to your Inyova 3a account, you'll receive 0.5% of the transferred amount on your neon account within 6 weeks – regardless of whether you're a new Inyova 3a customer or not.
Try it out and see how you like it!
We’ll also earn a bit of money from this deal, as we do with all our partners.