Envestio Review & BONUS

Envestio Review

Envestio website is down since 21.01.2020. Investors receive the following official Facebook post and no further information:

envestio down scam

Investors Investments Founded Country
3’277 8.5 M EUR 2017 Estonia

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Average rating 4.5 / 5. Vote count: 2

Envestio is a crowdlending platform allowing to invest in crypto-mining, real estate and energy projects (see image below).

envestio industries

The repartition of investments available is:

  • 20% of energy projects
  • 17% of crypto mining projects
  • 8% of real estate projects
  • 55% of other types of secondary projects

envestio industries compositionThe investments have an average 17% ROI with returns ranging from 12% to 30% ROI, an average term of 6 months, ranging from 1 month to 10 months and a minimum investment of € 1 (the market average is € 50).

Location-wise, most of the projects take place in Latvia with few projects also in Estonia, Poland, etc…

The platform started in 2017 and established a fast and steady progress from mid-2018 (see image below).

envestio investments

How it works:

  • Borrowers apply to the platform to get funding for their projects.
  • Envestio (that works as a loan originator) evaluates the project, the risks and establishes the contract with the borrower.
  • The investments are then made available on the platform marketplace.
  • Investors can then see projects, view details and select the amount they want to invest in.

Safety:

Envestio offers a buyback guarantee option on investments with the following characteristics:

  • The BuyBack means that at any time the investor can sell an investment from his portfolio back to the platform
  • The price of the option varies depending on the investments (e.g. cost of -5% ROI)
  • The investor will instantly receive the invested money back
  • All interest already received remain in possession of the investors

Fees:

No fees are charged for opening an account or service fees. Withdrawals are free unless smaller than € 5. In this case a fee of € 2 is charged.

Investment details

Investment currencies EUR
Return on investment (ROI) 17%
Minimum investment € 1
Investment period 6 months
Default rate 0%
Investment fees 0%
BuyBack guarantee Yes (e.g. -5% ROI)
Auto-invest Yes check
Secondary market No
Trustpilot Score (Safety) 8.5/10  

Investment types

Cryptocurrency loans Energy loans Real estate loans

Investment example

Investment result forecast

Below you will find the resulting forecast when investing using Envestio compared to investing the same amount in the US stock market (US stock market: 6% average yearly growth in the last 30 years).

By investing €1’000 using Envestio for 15 years you might end up with €10’539 (€8’142 more than with the stock market).

Envestio competitors

crowdestor review monethera review wisefund review

crowdlending platforms