viainvest.com Reviews

ViaInvest is a financial platform that offers investment opportunities in asset-backed securities, specifically non-banking loans originated by the VIA SMS Group and its related companies. The platform provides a way for private investors to access the non-banking lending sector, allowing them to earn interest on their investments. Here are some key points about ViaInvest:

Regulation and Security:
ViaInvest emphasizes its regulatory compliance and security measures. It is licensed and supervised by the Latvijas Banka, the central bank of Latvia. The platform’s securities and cash are protected up to 20,000 EUR by the Investor Compensation Scheme. It also uses segregated asset holdings and offers investment opportunities approved by Latvijas Banka.

Investment Process:
The investment process on ViaInvest involves several steps:

Registration: Users need to fill out a registration form with the required information to become a client of ViaInvest.
Funding: To start investing, users must deposit funds into their investor account via SEPA payment from a bank account in any EU credit institution or electronic money institution.
Exploring Offers: ViaInvest regularly publishes new investment opportunities, each approved by Latvijas Banka and with clear information and an ISIN number issued by Nasdaq CSD SE.
Investing and Automation: Users can choose to fully automate the investment process with the auto-invest feature or manually control their investments.
Earning Interest: As loans are repaid, investors receive monthly payments of invested principal plus earned interest. When the securities are redeemed, the funds become immediately available.
Features and Benefits:
ViaInvest highlights several features and benefits for investors:

Low Entry Point: Users can start investing with as little as 50 EUR.
Diversification: Investing in asset-backed securities allows for diversification, as investors are participating in a diverse pool of loans, which can help balance risk.
Buyback Obligation: If a borrower fails to make a payment for more than 60 days, the loan originator is required to buy back the loan, providing investors with additional security.
Zero Fees: ViaInvest does not charge any fees for using the platform or for investing, allowing investors to enjoy returns with zero commission.
Regulatory Oversight: The platform is subject to regulatory oversight by Latvijas Banka, which is intended to provide a safe and monitored environment for investors.
Tax Considerations:
ViaInvest explains that it is legally required to deduct withholding tax from private investors’ interest income earned from investing in asset-backed securities. The current standard withholding tax rate is 20% of the interest income earned, but this rate can be reduced through tax treaties between countries.

Legal Information:
ViaInvest provides detailed legal and regulatory information, including its registration number, legal address, license number, and the fact that it is a member of the national investor compensation scheme established under Directive 97/9/EC.

Contact Information:
The platform offers contact information for inquiries, including an email address and working hours.

Disclaimer:
ViaInvest includes a disclaimer stating that the content of its page is marketing communication and should not be treated as investment advice or independent research. It also emphasizes the risks involved in investing in financial instruments and the absence of guarantees for the return of invested capital.

Overall, ViaInvest presents itself as a regulated and secure platform for investing in asset-backed securities, with a focus on transparency, regulatory compliance, and investor protection. However, as with any investment, it’s important for individuals to conduct their own research, assess their risk tolerance, and consider seeking professional financial advice before making investment decisions.”

the reasons behind this review :
Regulation and Security, Investment Process, Features and Benefits, Tax Considerations, Legal Information, Contact Information, Disclaimer