Crowdinvesting

Crowdinvesting enables private investors to invest small amounts in companies or property projects.

Platforms (Germany):

• Property: Exporo, Bergfürst, Engel & Völkers Digital (return: 5–8%)
• Start-ups: Seedmatch, Companisto, FunderNation (return: uncertain, high risk)
• Sustainable: EcoCrowd, GreenVesting (renewable energy)

How it works:

• You invest from €100–500 in a project
• Term: 1–5 years
• You receive interest (subordinated loan) or company shares

Risks:

❌ Total loss possible: project fails = money gone
❌ Subordinated loan: in the event of insolvency you are paid AFTER all other creditors (often: you get nothing)
❌ No deposit protection
❌ Illiquid: money is tied up for the term

Recommendation: at most 5–10% of your assets, spread widely (across many projects), only money you can afford to lose.