In the last three years, the average inflation rate in Germany was 1.3 %. In other words, the value of money decreased by an average 1.3 % each year. People who do not invest their money are effectively losing money year by year.
If you do not want your savings to lose value each year, you have to invest them and get a return that is higher than the rate of inflation. Interest on checking accounts, however, is currently between 0 % and 0.05 % p.a., and even time deposits yield only an average 0.37 % p.a.
To surpass the rate of inflation, people thus have to invest part of their assets for a significantly higher return. Therefore, experts recommend that people invest 10 % of their assets in venture capital. Companisto is offering such venture capital investments in start-ups and growth companies.
Start-up investments take place at an early stage in a company's development, that is, before the company's value has increased significantly. As the company value of start-ups tends to grow very fast during the first few years, investments in start-ups provide investors with the opportunity to multiply their initial amount if the start-ups is successful.
In addition to a high potential return, start-up investors also get the chance to support start-up teams and entrepreneurs from the beginning and accompany them on their challenging path from a start-up company to an innovation driver and industry leader.
Start-up investments can be very lucrative. Initially, such investments were possible only for professional investment companies (venture capital companies) and for a few affluent angel investors. Indeed, these people were able to invest significant amounts and had the necessary networks within the start-up scene to be offered lucrative start-up investments.
The market leader in Germany, Austria, and Switzerland, Companisto is now enabling everyone to invest in selected start-ups through its platform with the minimum investment amount starting at €250.
No. Investments in start-ups and growth companies are risky, so you should not invest your entire assets in start-ups. Nonetheless, experts recommend that people invest part of their assets (i.e. 10% ) in venture capital to receive a total return surpassing the rate of inflation.
For instance, if you invest 90 % of your assets in conservative investment products whose return is mostly below the inflation rate, you have to invest the remaining 10 % in investment products whose return is significantly higher than the inflation rate.
Investing on Companisto is straightforward: You choose the start-up or growth company in which you want to invest and decide how much money to invest. The entire investment process then takes place online and requires just a few minutes of your time. In return for your investment, you will receive a share in the company. An investment can be made starting at €250.
Companisto has already pre-screened all investment opportunities offered on the platform. In fact, only roughly 1% of companies applying for a financing round on Companisto are accepted. This fact helps novices orient themselves.
An essential aspect of creativity is not being afraid to fail.
You do not need much capital to invest successfully, for you can also create your own investment portfolio on Companisto step by step. Indeed, you can start with small investments and expand your portfolio over time, and you can invest profits from successful investments in new start-ups.
As a result, your portfolio will become broadly diversified over time.
Investments in growth companies and start-ups are not just interesting investments; they are also a way of supporting entrepreneurship and innovation in Germany. Company founders, inventors, and visionaries often have trouble finding people who share their vision and recognize the potential of their business idea.
Start-up investors are people who believe that small things can ultimately turn into something big. Companists help new ideas and the economy progress, and they support innovation and the creation of jobs, thus making a positive contribution to society.