Splint Invest

Hi techies, hope you’re having a good day. If you’ve found this read insightful, be sure to use my referral code as you’ll be supporting my content and I’ll be most grateful. Feel free to reach out to learn more about the following project.

1. Copy the referral code Beau 📋 .
2. Download the Splint Invest app ✈️ and create your account.
3. Navigate to Profile > Redeem bonus codes, and paste in the code to receive your €60 welcome bonus 🎁 .
4. Explore the asset categories and pick your first investment.

Register now with Splint Invest and get access to alternative investments hand-picked and vetted by certified experts.

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Rare whisky, fine wine, luxury watches, classic cars, and heritage art pieces, where can one find such collector’s items? How do you own a piece of luxury, dip your toe in alternative investments, grow your wealth sustainably, then reinvest your gains and more importantly, diversity your portfolio like an expert?

Splint Invest, a Swiss start-up, may have the answer. Winning over the European market thus far, its app has facilitated fractional ownership for over 15,000 members, pooling together capital from individuals to share a high value asset. What’s more, as Splint Invest has demonstrated, you don’t have to be part of the ultra-rich to participate. Starting from as little as €50, sign-up bonus with the referral code Beau 📋 , you can get a feel for how the app works, the behind-the-scenes research of an asset, optimistic and conservative projections, and more. Every stage of the investment process is measured to reduce your exposure to risk.

An asset is split into tokens or “Splints”, as coined by the Swiss founders, valued at €50 each. Depending on your investment strategy, you can buy as many or as few Splints. Any unsold Splints increases the company’s exposure to the asset but it does not affect you as the investment matures.

Alternative assets are deemed recession-proof with a low correlation to traditional stocks. So when stocks perform well, alternative assets may dip, and vice versa. However, in a recession, alternative assets may outperform traditional stocks. They also protect wealth against inflation, as prices of goods go up, so do alternative assets. This is why having a small percentage of your portfolio in alternative assets to hedge against recessions is a worthwhile bet. On the Splint Invest app, smart asset co-owners take precautions and live by the motto of having a diversified portfolio of different categories from whisky, watches, art, wine, rum, and diamonds to LEGO®, trading cards, handbags, sneakers, and memorabilia.

The benefit of owning illiquid assets is that you make a purchase and come back in five years or so to see the results. Price actions are gradual and less volatile than some of the liquid assets, and the exits are taken care of by Splint Invest. This means you don’t have to look for buyers and you won’t be holding an asset indefinitely as you’ll want to see a return. During this period an active buyer may make a competitive offer to trigger an early sale.

The Splint Invest ✈️ proposition is beginner friendly in the sense that the barrier to entry is low and investors are not required to fork out, for example, €198,000 on a 20th century oil painting masterpiece or a €16,720 on investment-grade whisky casks. That said, selecting the right asset to invest requires some knowledge and the fact it’s illiquid should be considered when purchasing Splints.

To mitigate risks, the team at Splint Invest conducts due diligence on the physical products, suppliers, and storage facilities. They also collaborate with industry specialists, such as Artemundi for art and Goldstein for LEGO®, to assess the products and their potential before releasing them in the app. There’s also an in-app marketplace for users to transfer their Splints on the secondary market within the community for an early exit. Investment horizons vary depending on market conditions. If the conditions are favourable, an investor may see a return within two months or two years. Be prepared for the long haul of five to 10 years should the tide turn.

If the business is not a going concern, your assets will be managed by a fiduciary until exit. You’ll still own your assets but you won’t be able to make new purchases on the app.

The company was founded by a group of colleagues with backgrounds in auditing, marketing, compliance, finance and technology, with both Mario von Bergen, Head of Investments, and Aurelio Perucca, CEO, from PwC. It started out as a platform to serve the founders’ interests in luxury investments that became popular among family and friends. With a proven business model validated by 200 unrelated beta testers, the founders took the leap into full time entreprenuership.

The founders don’t believe in charging users recurring management fees because the assets do not require ongoing management. Instead, they opt for transaction fees: a platform fee of up to 6%-9%, based on the investment horizon, is collected at purchase and embedded in the Splint; and a 2% fee based on the exit price. Splint Invest sources assets below market price which usually means their value will have gone up by the time you invest.

Asset fractionalisation democratises investing, making luxury goods accessible and co-ownable. With carefully thought out entry and exit strategies for ambitious, balanced, and defensive scenarios, and the expertise of external and in-house auditors, Splint Invest works within the Swiss legal framework to facilitate sustainable growth on the investors’ behalf.

To help you get started on the app, take advantage my referral code Beau 📋 to be rewarded a €60 sign-up bonus. Note, bonuses are for in-app purchases of Splints or fractional tokens of an asset only and cannot be withdrawn. Any profit made from the free €60 after fees is yours to keep or reinvest.

Please be aware of the investment risks and you may not recover the amount originally invested.

At the time of writing, I own some fractional assets with Splint Invest and have been following the investment platform for nearly two years so I’m familiar with the project and the assets on offer. I’ve spoken with the co-founders and CEO in person or virtually and interacted with their customer support. This article is for informational purposes only and should not be considered financial advice. I’m happy to be part of your research journey. If you’re interested in learning about Splint Invest and diversifying your portfolio like an expert, feel free to drop me a message or use my referral code.

Download the Splint Invest app ✈️ today and paste in the referral code Beau 📋 to kickstart your alternative investment venture.

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Credit: images from Splint Invest.