{"id":9489,"date":"2023-03-21T16:24:41","date_gmt":"2023-03-21T15:24:41","guid":{"rendered":"https:\/\/schweizerfinanzblog.ch\/splint-invest-experience-how-to-invest-in-rolex-co-with-just-e50\/"},"modified":"2026-08-08T16:55:00","modified_gmt":"2026-08-08T14:55:00","slug":"splint-invest-reviews-investing-starting-at-50-eur","status":"publish","type":"post","link":"https:\/\/schweizerfinanzblog.ch\/en\/splint-invest-reviews-investing-starting-at-50-eur\/","title":{"rendered":"Splint Invest Reviews: Invest in Rolex &#038; Co. Starting at \u20ac50"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>For those who want to diversify their assets and reduce their dependence on price fluctuations in the financial markets, <strong>alternative investments<\/strong> offer an exciting complement to <strong>a traditional stock portfolio<\/strong>.<\/strong><\/p>\n\n<p class=\"wp-block-paragraph\"><strong><strong><strong>The up-and-coming Swiss platform Splint Invest is taking a pioneering approach:<\/strong> it <strong>\u2019s democratizing access to high-quality collectibles<\/strong> by making them <strong>available to a broad range of investors<\/strong>. Investments in art, luxury watches, or rare wines\u2014which <strong>were once reserved almost exclusively for the very wealthy<\/strong>\u2014can now be made <strong>easily and digitally via an app<\/strong>. <\/strong><\/strong><\/p>\n\n<p class=\"wp-block-paragraph\"><strong>Based on our experience with Splint Invest, we\u2019ll show you how Splint Invest\u2019s business model works, where we see the pros and cons, and how you can invest in your first Splint\u2014a collectible of your choice\u2014without any risk to yourself\u2014now also available in Swiss francs.<\/strong><\/p>\n\n<link rel=\"stylesheet\" href=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/post-info-component\/post-info-component.css\">\n<div class=\"post-info-component\">\n\t\t<div class=\"von-and-comments\">\n\t\t\t\t\t<a target=\"_blank\" href=\"https:\/\/schweizerfinanzblog.ch\/en\/about-us\/\">Stefan &#038; Toni<\/a>\n\t\t\t\t <span>| <a href=\"#comments\">4 Comments<\/a><\/span> \t\t\n\t<\/div>\n\t\t<div class=\"post-dates\">\n\t\tUpdated on\t\t<time class=\"entry-date updated\" datetime=\"2026-08-08T16:55:00+02:00\">\n\t\t\t8.8.2026\t\t<\/time>\n\t<\/div>\n\t<\/div>\n<link rel=\"stylesheet\" href=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/kurz-bundig-component\/kurz-bundig-component.css?v=2\">\n\n<div  id=\"zkyJQpf\" class=\"kurz-bunding mb-3\" style='background-color:#f9f9fa'>\n\t<div class=\"d-flex kurz-bunding-title\">\n\t\t<div>\n\t\t\t<img decoding=\"async\" class=\"kurz-bunding-icon\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/01\/lifghtbulb2.png\">\n\t\t<\/div>\n\t\t<p class=''>\n\t\t\tIn a Nutshell\t\t<\/p>\n\t<\/div>\n\n\t<div class=\"kurz-bunding-content\">\n\t\t<p>With an innovative approach to alternative investments, Splint Invest opens up new opportunities for asset diversification\u2014from watches and art to wine and whiskey. The app-based platform makes high-quality collectibles accessible to a broad range of investors. <\/p>\n<ul>\n<li data-start=\"697\" data-end=\"791\"><strong data-start=\"697\" data-end=\"721\">Swiss platform:<\/strong> founded in 2021, focused on collectibles as an alternative asset class<\/li>\n<li data-start=\"697\" data-end=\"791\"><strong data-start=\"794\" data-end=\"821\">Simple app platform:<\/strong> Invest as little as \u20ac50 in tangible assets such as watches, art, wine, whiskey, or handbags<\/li>\n<li data-start=\"697\" data-end=\"791\"><strong data-start=\"918\" data-end=\"938\">Returns &#038; Duration:<\/strong> Expected and realized net returns often exceed 10% per year; investment horizon ranging from 1 to 10 years<\/li>\n<li data-start=\"697\" data-end=\"791\"><strong data-start=\"1046\" data-end=\"1072\">Sales options:<\/strong> either through Splint Invest (based on expected return and time horizon) or via the weekly trading platform<\/li>\n<li data-start=\"697\" data-end=\"791\"><strong data-start=\"1192\" data-end=\"1211\">Fee structure:<\/strong> no account fees; platform fees of 4\u201310% included in the purchase price; and property-specific administrative costs for storage and insurance<\/li>\n<li data-start=\"697\" data-end=\"791\"><strong data-start=\"1348\" data-end=\"1363\">Target audience:<\/strong> investors seeking returns who wish to strategically add alternative investments to their portfolio and are willing to accept significant fluctuations in value<\/li>\n<li style=\"list-style-type: none;\">\n<\/ul>\n<p>\ud83c\udf81 Use the promo code <strong><span style=\"color: #37c392;\">SFB60<\/span><\/strong> , you\u2019ll receive a starting balance of 60.\u2013 in your reference currency (CHF\/EUR\/GBP)\u2014and use it to invest in your first collectible with no financial risk to you.<\/p>\n\t<\/div>\n\t\t\t\n\t<\/div>\n\n<style>\n\t#zkyJQpf .kurz-bunding-content li::marker{\n\t\tcolor: #37c392;\n\t}\n\t#zkyJQpf .kurz-bunding-call-to-action a{\n\t\tbackground-color: #1bab78;\n\t\tcolor: #FFFFFF;\n\t}\n\n<\/style>\n<div id=\"toc_container\" class=\"no_bullets\"><p class=\"toc_title\">Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Promo_Code_SFB60_and_a_Preliminary_Note_on_Our_Experience_with_Splint_Invest\">Promo Code SFB60 and a Preliminary Note on Our Experience with Splint Invest<\/a><\/li><li><a href=\"#Alternative_Investments\">Alternative Investments<\/a><ul><li><a href=\"#What_are_alternative_investments\">What are alternative investments?<\/a><\/li><li><a href=\"#Why_should_one_invest_in_alternative_investments_at_all\">Why should one invest in alternative investments at all?<\/a><\/li><\/ul><\/li><li><a href=\"#About_Splint_Invest\">About Splint Invest<\/a><ul><li><a href=\"#A_Brief_History_of_Its_Origins\">A Brief History of Its Origins<\/a><\/li><li><a href=\"#How_does_Splint_Invest_work\">How does Splint Invest work?<\/a><ul><li><a href=\"#Platform_Investment_Strategy\">Platform &amp; Investment Strategy<\/a><\/li><li><a href=\"#Collaboration_between_Experts_the_Platform_and_Investors\">Collaboration between Experts, the Platform, and Investors<\/a><\/li><\/ul><\/li><li><a href=\"#What_amounts_are_we_talking_about\">What amounts are we talking about?<\/a><\/li><li><a href=\"#What_fees_does_Splint_Invest_charge\">What fees does Splint Invest charge?<\/a><\/li><li><a href=\"#What_are_splints\">What are splints?<\/a><\/li><li><a href=\"#How_are_splints_taxed\">How are splints taxed?<\/a><\/li><li><a href=\"#How_is_the_expected_return_calculated\">How is the expected return calculated?<\/a><\/li><li><a href=\"#When_will_the_property_be_sold_and_what_actual_returns_have_been_achieved_so_far\">When will the property be sold, and what actual returns have been achieved so far?<\/a><\/li><li><a href=\"#Where_are_the_goods_stored\">Where are the goods stored?<\/a><\/li><li><a href=\"#What_types_of_tangible_assets_can_you_invest_in\">What types of tangible assets can you invest in?<\/a><\/li><li><a href=\"#How_does_the_registration_process_work\">How does the registration process work?<\/a><\/li><li><a href=\"#How_do_I_transfer_money\">How do I transfer money?<\/a><\/li><li><a href=\"#How_good_is_the_app\">How good is the app?<\/a><ul><li><a href=\"#8220Equipment8221_section\">&#8220;Equipment&#8221; section  <\/a><\/li><li><a href=\"#8220Exits8221_section\">&#8220;Exits&#8221; section<\/a><\/li><li><a href=\"#8220Dashboard8221_section\">&#8220;Dashboard&#8221; section<\/a><\/li><li><a href=\"#8220Trading_Hub8221_section\">&#8220;Trading Hub&#8221; section<\/a><\/li><li><a href=\"#8220Profile8221_section\">&#8220;Profile&#8221; section<\/a><\/li><li><a href=\"#Our_Take_on_the_App\">Our Take on the App<\/a><\/li><\/ul><\/li><li><a href=\"#The_First_Purchase\">The First Purchase<\/a><\/li><li><a href=\"#Trading_Venue_Who_Benefits_Most_from_the_Secondary_Market\">Trading Venue: Who Benefits Most from the Secondary Market<\/a><ul><li><a href=\"#Our_Conclusion_on_the_Trading_Platform\">Our Conclusion on the Trading Platform<\/a><\/li><\/ul><\/li><li><a href=\"#What_are_the_risks\">What are the risks?<\/a><\/li><li><a href=\"#The_Smart_Club_for_Dedicated_Investors\">The Smart Club for Dedicated Investors<\/a><\/li><li><a href=\"#What_are_the_pros_and_cons_of_Splint_Invest\">What are the pros and cons of Splint Invest?<\/a><\/li><\/ul><\/li><li><a href=\"#Conclusion_on_Our_Experience_with_Splint_Invest\">Conclusion on Our Experience with Splint Invest<\/a><\/li><li><a href=\"#You_might_also_be_interested_in_this\">You might also be interested in this<\/a><\/li><li><a href=\"#Updates\">Updates<\/a><\/li><li><a href=\"#Disclaimer\">Disclaimer<\/a><\/li><\/ul><\/div>\n<h2 class=\"wp-block-heading\"><span id=\"Promo_Code_SFB60_and_a_Preliminary_Note_on_Our_Experience_with_Splint_Invest\">Promo Code SFB60 and a Preliminary Note on Our Experience with Splint Invest<\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Splint Invest impressed us, which is why we entered into a partnership with this Swiss startup, which was founded in 2021 and is now well established.<\/p>\n\n<p class=\"wp-block-paragraph\">This article is based primarily on our own research and experience. For specific topics where in-depth background knowledge was helpful, we received direct, firsthand support from Splint Invest. <\/p>\n\n<p class=\"wp-block-paragraph\">\ud83c\udf81 Use the <strong>promo code SFB60<\/strong> to receive a <strong>starting balance of 60.\u2013<\/strong> in your reference currency (CHF, EUR, or GBP) and <strong>try out<\/strong> Splint Invest <strong>with a real investment at no financial risk to you<\/strong>. Plus, you\u2019ll be supporting our blog. <\/p>\n\n<p>Just download the app to your smartphone, sign up, enter the promo code, and you&#8217;re all set!<\/p>\n\n<p class=\"has-text-align-center wp-block-paragraph\"><span style=\"color: #37c392;\"><em>\u2013 Partner Offer \u2013<\/em><\/span><\/p>\n<div class=\"wp-block-image d-block d-md-none\">\n<figure class=\"aligncenter size-full\"><a href=\"https:\/\/splintinvest.com\/de\/\" target=\"_blank\" rel=\"noreferrer noopener\"><img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2025\/10\/Banner_Mobile_neu_ohne-EUR_EN.png\" alt=\"Splint Invest Reviews\" class=\"wp-image-6925\"\/><\/a><\/figure>\n<\/div><div class=\"wp-block-image d-none d-md-block\">\n<figure class=\"aligncenter size-full\"><a href=\"https:\/\/splintinvest.com\/de\/\" target=\"_blank\" rel=\"noreferrer noopener\"><img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2025\/10\/Banner_Desktop_neu_ohne-EUR_EN.png\" alt=\"Splint Invest Reviews\" class=\"wp-image-6926\"\/><\/a><\/figure>\n<\/div>\n<p class=\"has-text-align-center wp-block-paragraph\"><em>Disclaimer: Investing involves the risk of loss.  <\/em><\/p>\n\n<p class=\"has-text-align-center\" style=\"margin-top: 0cm; text-align: center; background: white;\" align=\"center\"><em><b><span style=\"font-size: 13.0pt; font-family: Montserrat; color: #37c392;\">\u2013 \u2013 \u2013 \u2013 \u2013<\/span><\/b><\/em><\/p>\n\n<h2 class=\"wp-block-heading\"><span id=\"Alternative_Investments\">Alternative Investments<\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">For those of you who are still relatively new to alternative investments, we&#8217;ve summarized the most important information about these non-mainstream asset classes in this chapter.<\/p>\n\n<h3 class=\"wp-block-heading\"><span id=\"What_are_alternative_investments\">What are alternative investments?<\/span><\/h3>\n\n<p class=\"wp-block-paragraph\">As the name suggests, these are <strong>alternatives to traditional asset classes<\/strong> such as stocks or bonds. Alternative investments are often characterized by <strong>the<\/strong> following <strong>features:<\/strong> <\/p>\n\n<ul class=\"wp-block-list\">\n<li>Weak correlation with traditional asset classes or even countercyclical market performance<\/li>\n\n\n\n<li>Low liquidity or long-term tie-up of capital<\/li>\n\n\n\n<li>Increased Potential for Profit and Loss<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">Examples of alternative investments that are well-established in the market include:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Hedge funds:<\/strong> actively managed funds that aim to generate returns independent of market performance<\/li>\n\n\n\n<li><strong>Private Equity:<\/strong> Investments in unlisted companies with growth potential<\/li>\n\n\n\n<li><strong>Commodities<\/strong>: e.g., wheat, oil, or precious metals<\/li>\n\n\n\n<li><strong>Real Estate:<\/strong> Investing in \u201cConcrete Gold\u201d <br\/>(see also our article <a href=\"https:\/\/schweizerfinanzblog.ch\/en\/real-estate-etfs-the-easiest-way-to-invest-in-concrete-gold\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u201cReal Estate ETFs: The Easiest Way to Invest in Concrete Gold<\/a>\u201d) <\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">Less well-known, but also considered alternative investments, are so-called <strong>collectibles<\/strong> or <strong>luxury items<\/strong>. That is the focus of this article. <\/p>\n\n<h3 class=\"wp-block-heading\"><span id=\"Why_should_one_invest_in_alternative_investments_at_all\">Why should one invest in alternative investments at all?<\/span><\/h3>\n\n<p class=\"wp-block-paragraph\">As part of a comprehensive <strong>asset diversification strategy<\/strong>, alternative investments can effectively complement traditional asset classes such as stocks or bonds.<\/p>\n\n<p class=\"wp-block-paragraph\">In this way, adding alternative investments to your portfolio can make it more resilient to stock market turbulence and interest rate fluctuations. This reduces dependence on traditional investments and the associated market trends, while also opening up new potential opportunities for returns. <\/p>\n\n<h2 class=\"wp-block-heading\"><span id=\"About_Splint_Invest\">About Splint Invest<\/span><\/h2>\n\n<h3 class=\"wp-block-heading\"><span id=\"A_Brief_History_of_Its_Origins\">A Brief History of Its Origins<\/span><\/h3>\n\n<p class=\"wp-block-paragraph\">Splint Invest is a Swiss startup based in Zug that was founded in 2021 by, among others, two private investors and certified public accountants, Aurelio Perucca and Mario von Bergen. They were motivated by the realization that many individual investors, driven by negative interest rates, stock market turbulence, and rising inflation, were desperately seeking alternative investment opportunities. <\/p>\n\n<p class=\"wp-block-paragraph\">After a trial period among friends and acquaintances, the app went live in February 2022. By 2026, the platform already had around 20,000 investors\u2014and the number was rising rapidly. <\/p>\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1432\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/03\/Team_Splint-Invest-scaled.jpg\" alt=\"Splint Invest Reviews\" class=\"wp-image-4631\" title=\"Splint Invest Reviews\" srcset=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/03\/Team_Splint-Invest-scaled.jpg 2560w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/03\/Team_Splint-Invest-768x429.jpg 768w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/03\/Team_Splint-Invest-1536x859.jpg 1536w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/03\/Team_Splint-Invest-2048x1145.jpg 2048w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" \/><figcaption class=\"wp-element-caption\">The Splint Invest team. (Source: Splint Invest) <\/figcaption><\/figure>\n\n<p class=\"wp-block-paragraph\">Splint Invest is what is known as a <strong>financial intermediary<\/strong>. As a member of the self-regulatory organization <a href=\"https:\/\/www.vqf.ch\/de\/\" target=\"_blank\" rel=\"noreferrer noopener\">VQF<\/a>, Splint Invest is audited annually to ensure compliance with anti-money laundering regulations. <\/p>\n\n<h3 class=\"wp-block-heading\"><span id=\"How_does_Splint_Invest_work\">How does Splint Invest work?<\/span><\/h3>\n\n<h4 class=\"wp-block-heading\"><span id=\"Platform_Investment_Strategy\">Platform &amp; Investment Strategy<\/span><\/h4>\n\n<p class=\"wp-block-paragraph\">Splint Invest is based on an app that you download to your smartphone. Through this platform, you can trade digital shares in alternative investments. These investments consist of <strong>collectibles<\/strong> or luxury items, also known in technical jargon as \u201ccollectibles\u201d or \u201cluxury items.\u201d  <\/p>\n\n<p class=\"wp-block-paragraph\">Specifically, you can, for example, invest in contemporary artworks, high-end luxury watches, fine wines, select whiskey barrels, or exclusive handbags, thereby <strong>acquiring co-ownership of these items.<\/strong><\/p>\n\n<p class=\"wp-block-paragraph\">Splint Invest makes <strong>collectibles accessible to a broad range of investors<\/strong>. Until now, this asset class has been reserved primarily for very wealthy individuals, as reflected in the <strong>company\u2019s slogan<\/strong>: \u201cDo it like the top 1%. Invest in alternative assets.\u201d <\/p>\n\n<h4 class=\"wp-block-heading\"><span id=\"Collaboration_between_Experts_the_Platform_and_Investors\">Collaboration between Experts, the Platform, and Investors<\/span><\/h4>\n\n<p class=\"wp-block-paragraph\">Splint Invest operates the platform, selects external partners, and validates their expertise based on data-driven criteria. If Splint Invest determines that the external partner is trustworthy and the collectible being offered is fairly valued, it is purchased and listed on the platform as an investment opportunity. <\/p>\n\n<h3 class=\"wp-block-heading\"><span id=\"What_amounts_are_we_talking_about\">What amounts are we talking about?<\/span><\/h3>\n\n<p class=\"wp-block-paragraph\"><strong>Starting at just 50\u20ac<\/strong> \u2014or the equivalent in <strong>CHF or GBP<\/strong> \u2014you can purchase shares, known as <strong>\u201cSplints<\/strong>.\u201d With the <strong>promo code SFB60 <\/strong>, you <strong>\u2019ll <\/strong>even <strong>get <\/strong>your first Splint for free, which is essentially a risk-free investment. <\/p>\n\n<p class=\"wp-block-paragraph\">Splint Invest now offers <strong>three reference currencies<\/strong>: EUR (as before), <strong>and now also CHF<\/strong> and GBP. A single Splint is still worth <strong>\u20ac50<\/strong>, but is converted into the selected reference currency in each case.  You can find out exactly how this works <a href=\"https:\/\/splintinvest.com\/de\/blog\/multi-currency-splint-invest\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">in this article from Splint Invest<\/a>.  <\/p>\n\n<p>Existing customers can change their reference currency <strong>once and irrevocably<\/strong> \u2014for example, from <strong>euros to Swiss francs<\/strong>. Based on my own experience, the currency change can be initiated with just a few clicks and takes effect <strong>within 24 hours<\/strong>. <\/p>\n\n<h3 class=\"wp-block-heading\"><span id=\"What_fees_does_Splint_Invest_charge\">What fees does Splint Invest charge?<\/span><\/h3>\n\n<p class=\"wp-block-paragraph\">Let&#8217;s start with the good news: Splint Invest doesn&#8217;t charge <strong>any custody fees<\/strong> or other hidden costs. There&#8217;s also <strong>no withdrawal fee<\/strong> when you transfer the proceeds from the sale of Splints back to your bank account. <\/p>\n\n<p class=\"wp-block-paragraph\">With Splint Invest, <strong>the only costs<\/strong> incurred are <strong>transaction-related<\/strong>, specifically when purchasing Splints. This means that the purchase price of Splints already includes the so-called <strong>platform fees<\/strong> of 4\u201310% and asset-specific <strong>external management costs<\/strong> for storage and insurance. The latter are calculated as a one-time fee over the entire investment horizon and vary depending on the investment property.  <\/p>\n\n<p class=\"wp-block-paragraph\">To help you make a decision, we recommend that you get a clear picture of the fees involved before purchasing any investment. You can do this easily and customize it based on your planned investment amount using the app.   <\/p>\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"2540\" height=\"2500\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/03\/Kostenaufteilung_Rolex_markiert.png\" alt=\"Splint Invest Reviews\" class=\"wp-image-4632\" srcset=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/03\/Kostenaufteilung_Rolex_markiert.png 2540w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/03\/Kostenaufteilung_Rolex_markiert-64x64.png 64w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/03\/Kostenaufteilung_Rolex_markiert-768x756.png 768w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/03\/Kostenaufteilung_Rolex_markiert-1536x1512.png 1536w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/03\/Kostenaufteilung_Rolex_markiert-2048x2016.png 2048w\" sizes=\"auto, (max-width: 2540px) 100vw, 2540px\" \/><figcaption class=\"wp-element-caption\">Anyone investing through Splint Invest should review these three fee components (marked with a red star) before making a purchase. Our example shows the expected fees for a \u20ac100 investment in a Rolex Day-Date under the balanced return scenario.  Currently, only two of the three components marked with a red star apply\u2014the 2% sales fee has since been eliminated.<\/figcaption><\/figure>\n\n<h3 class=\"wp-block-heading\"><span id=\"What_are_splints\">What are splints?<\/span><\/h3>\n\n<p class=\"wp-block-paragraph\">A splint is a digital unit that <strong>defines co-ownership of a physical asset <\/strong>. A watch worth \u20ac20,000 is therefore divided into 400 splints, each worth \u20ac50. If you buy four of them, you own one percent of the watch.  <\/p>\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1280\" height=\"720\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/03\/3_Kollektives-Miteigentum.png\" alt=\"Alternative Investments\" class=\"wp-image-4635\" srcset=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/03\/3_Kollektives-Miteigentum.png 1280w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/03\/3_Kollektives-Miteigentum-768x432.png 768w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><figcaption class=\"wp-element-caption\">Like all items offered by Splint Invest, this Patek Philippe is also divided into so-called \u201csplints\u201d worth \u20ac50 each. As soon as you\u2019ve invested in at least one splint of this precious watch, you legally acquire co-ownership of it.  (Source: Splint Invest)<\/figcaption><\/figure>\n\n<h3 class=\"wp-block-heading\"><span id=\"How_are_splints_taxed\">How are splints taxed?<\/span><\/h3>\n\n<p class=\"wp-block-paragraph\">Under Swiss law, Splints are considered tangible assets. The value of the Splints reported at the end of the year is included in the total assets on the tax return. An investment with Splint Invest is therefore subject to <strong>wealth tax<\/strong>.  <\/p>\n\n<h3 class=\"wp-block-heading\"><span id=\"How_is_the_expected_return_calculated\">How is the expected return calculated?<\/span><\/h3>\n\n<p class=\"wp-block-paragraph\">In collaboration with external experts, an <strong>investment horizon<\/strong> and <strong>three scenarios<\/strong> regarding <strong>expected value performance<\/strong> are defined for each property: a defensive, a balanced, and an aggressive scenario. These forecasts are based primarily on <strong>historical data<\/strong>, specifically past returns and sales prices of comparable properties. <\/p>\n\n<p class=\"wp-block-paragraph\">Based on our experience with Splint Invest, <strong>returns often exceed 10% per year<\/strong>, though they vary quite significantly from property to property. As of May 26, 2026, the expected annual return for the 13 active offers in the balanced scenario ranges from an attractive 12.8% for Ornellaia, Bolgheri (a top-tier red wine from Tuscany) to a high of 29.4% for a painting by Javier Calleja. <\/p>\n\n<p class=\"wp-block-paragraph\">In the next chapter, you&#8217;ll learn what <strong>actual returns have been achieved through sales so far <\/strong>.<\/p>\n\n<h3 class=\"wp-block-heading\"><span id=\"When_will_the_property_be_sold_and_what_actual_returns_have_been_achieved_so_far\">When will the property be sold, and what actual returns have been achieved so far?<\/span><\/h3>\n\n<p class=\"wp-block-paragraph\"><strong>Splint Invest <\/strong>initiates the sales process <strong>according to <\/strong>fixed rules\u2014that is, <strong>at the start of the defined investment horizon<\/strong>\u2014and it is generally carried out based on the <strong>balanced or aggressive scenario<\/strong>.<\/p>\n\n<p class=\"wp-block-paragraph\">However, based on our experience with Splint Invest, it is often the case that an offer matching the <strong>aggressive scenario<\/strong> arises even <strong>before the end of the specified investment period<\/strong>. In this case, Splint Invest arranges for the <strong>early sale of the collectible<\/strong>. In rare cases, market prospects for a specific item may also deteriorate. In such cases, Splint Invest may <strong>recommend<\/strong> an <strong>early sale\u2014even at a loss\u2014<\/strong>which <strong>all investors then vote<\/strong> on.   <\/p>\n\n<p class=\"wp-block-paragraph\">The <strong>typical investment period<\/strong> varies depending on the property and is <strong>generally between about one and ten years<\/strong>.<\/p>\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"3840\" height=\"2500\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/03\/Erfolgreiche_Exits.png\" alt=\"\" class=\"wp-image-6935\" srcset=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/03\/Erfolgreiche_Exits.png 3840w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/03\/Erfolgreiche_Exits-768x500.png 768w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/03\/Erfolgreiche_Exits-1536x1000.png 1536w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/03\/Erfolgreiche_Exits-2048x1333.png 2048w\" sizes=\"auto, (max-width: 3840px) 100vw, 3840px\" \/><figcaption class=\"wp-element-caption\">Successful Exits: Thanks to attractive offers, Splint Invest was able to complete its first three sales well ahead of schedule. (Source: Splint Invest) <\/figcaption><\/figure>\n\n<p class=\"wp-block-paragraph\">Splint Invest&#8217;s <strong>completed sales<\/strong> to date indicate <strong>attractive returns<\/strong> and a comparatively short holding period, as the following overview shows.<\/p>\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Key figure<\/strong><\/td><td><strong>Value<\/strong><\/td><\/tr><tr><td>Total Exit Volume<\/td><td>CHF 4.71 million<\/td><\/tr><tr><td>Total Number of Exits<\/td><td>76<\/td><\/tr><tr><td>Average Net Return<\/td><td>22%<\/td><\/tr><tr><td>Average holding period<\/td><td>17 months<\/td><\/tr><tr><td>Best Exit<\/td><td>74,8%<\/td><\/tr><tr><td>Fastest Exit<\/td><td>2 months<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Consolidated key figures on sales realized to date by Splint Invest. (Source: Splint Invest; as of August 8, 2026) <\/figcaption><\/figure>\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"2750\" height=\"1948\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/03\/202504_Exit-Performance-Splint-Invest-1.png\" alt=\"\" class=\"wp-image-12718\" srcset=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/03\/202504_Exit-Performance-Splint-Invest-1.png 2750w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/03\/202504_Exit-Performance-Splint-Invest-1-768x544.png 768w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/03\/202504_Exit-Performance-Splint-Invest-1-1536x1088.png 1536w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/03\/202504_Exit-Performance-Splint-Invest-1-2048x1451.png 2048w\" sizes=\"auto, (max-width: 2750px) 100vw, 2750px\" \/><figcaption class=\"wp-element-caption\">Excerpt from Splint Invest&#8217;s completed sales, including information on duration, volume, and returns. (Source: Splint Invest) <\/figcaption><\/figure>\n\n<p class=\"wp-block-paragraph\">If no suitable purchase offer is received within the defined sales window (typically 2\u20133 years), the sales process will continue. In this case, offers that align with the defensive scenario will also be accepted. <\/p>\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1280\" height=\"720\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/03\/5_Exit.png\" alt=\"Splint Invest Reviews\" class=\"wp-image-4636\" srcset=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/03\/5_Exit.png 1280w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/03\/5_Exit-768x432.png 768w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><figcaption class=\"wp-element-caption\">To help investors make informed decisions, Splint Invest works with external experts to determine the ideal investment horizon and expected return for each property offered, based on three scenarios. (Source: Splint Invest) <\/figcaption><\/figure>\n\n<p class=\"wp-block-paragraph\">As an alternative to these sales organized by Splint Invest, you can also sell your shares in the investment property on your own. That\u2019s because Splint Invest offers a secondary market\u2014known as the \u201ctrading platform\u201d\u2014where Splints can be traded weekly within the community. We\u2019ll go into more detail below and show you who can particularly benefit from the trading platform.    <\/p>\n\n<h3 class=\"wp-block-heading\"><span id=\"Where_are_the_goods_stored\">Where are the goods stored?<\/span><\/h3>\n\n<p class=\"wp-block-paragraph\">Storage is a factor that should not be underestimated when it comes to the appreciation of an asset\u2019s value. Splint Invest sets correspondingly high quality standards for its partners in this regard. Currently, for example, watches and handbags are stored in the vault of the Berner Kantonalbank in Bern, while whiskey barrels and wine bottles are kept in government-supervised duty-free warehouses (e.g., in London).  <\/p>\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1280\" height=\"720\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/03\/1_Die-Reise-der-physischen-Anlage.png\" alt=\"Splint Invest Reviews\" class=\"wp-image-4637\" srcset=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/03\/1_Die-Reise-der-physischen-Anlage.png 1280w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/03\/1_Die-Reise-der-physischen-Anlage-768x432.png 768w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><figcaption class=\"wp-element-caption\">Every physical collectible is insured against fire and theft and is stored in a supervised duty-free warehouse, a bank vault, or a bank safe deposit box until it is sold. (Source: Splint Invest) <\/figcaption><\/figure>\n\n<h3 class=\"wp-block-heading\"><span id=\"What_types_of_tangible_assets_can_you_invest_in\">What types of tangible assets can you invest in?<\/span><\/h3>\n\n<p class=\"wp-block-paragraph\">The range of alternative investment opportunities is constantly expanding, and with it, the overarching categories. Currently, the following categories are available to you (sorted by launch date, with the oldest category first):   <\/p>\n\n<ul class=\"wp-block-list\">\n<li>Whiskey<\/li>\n\n\n\n<li>Watches<\/li>\n\n\n\n<li>Art<\/li>\n\n\n\n<li>Wine<\/li>\n\n\n\n<li>Handbags<\/li>\n\n\n\n<li>Rum<\/li>\n\n\n\n<li>Diamonds<\/li>\n\n\n\n<li>Lego<\/li>\n\n\n\n<li>Various items (e.g., precious metals, trading cards, sneakers)<\/li>\n\n\n\n<li>Digitized Rights<\/li>\n\n\n\n<li>Luxury Cars<\/li>\n\n\n\n<li>Private Equity<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">As with stocks, the same principle applies to this asset class: <strong>To achieve the best possible risk-return ratio, it pays to diversify as broadly as possible across multiple property categories.<\/strong><\/p>\n\n<h3 class=\"wp-block-heading\"><span id=\"How_does_the_registration_process_work\">How does the registration process work?<\/span><\/h3>\n\n<p class=\"wp-block-paragraph\">The registration process is simple and takes less than a minute: just enter your name, email address, and a password. A welcome email will be sent immediately, which you&#8217;ll need to confirm. Done!  <\/p>\n\n<p class=\"wp-block-paragraph\">After registering, you can redeem the <strong>promo code SFB60<\/strong>, which <strong>will credit <\/strong>your account <strong>with 60 CHF, EUR, or GBP <\/strong>\u2014depending on your chosen reference currency. You can only transfer this bonus amount back to your bank account after it has been invested. <\/p>\n\n<p class=\"wp-block-paragraph\">You\u2019re only required to verify your identity once you\u2019ve purchased a total of 10 Splints or more\u2014that is, once your total investment reaches \u20ac500. You\u2019ll verify your identity using a valid ID and a selfie in the form of a short video clip. This entirely digital process took us about two minutes.    <\/p>\n\n<p>In general, <strong>anyone 18 years of age or older who resides in Europe<\/strong> or has access to the app can register.<\/p>\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1280\" height=\"720\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/03\/4_Investiere-in-nur-2-Minuten.png\" alt=\"Splint Invest Reviews\" class=\"wp-image-4638\" srcset=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/03\/4_Investiere-in-nur-2-Minuten.png 1280w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/03\/4_Investiere-in-nur-2-Minuten-768x432.png 768w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><figcaption class=\"wp-element-caption\">For investments of \u20ac500 or more, identity verification using an ID and a selfie is required. (Source: Splint Invest) <\/figcaption><\/figure>\n\n<h3 class=\"wp-block-heading\"><span id=\"How_do_I_transfer_money\">How do I transfer money?<\/span><\/h3>\n\n<p class=\"wp-block-paragraph\">You can transfer money via <strong>bank account<\/strong> (one-time or recurring transfers are possible). Thanks to the Single Euro Payments Area ( <a href=\"https:\/\/en.wikipedia.org\/wiki\/Single_Euro_Payments_Area\" target=\"_blank\" rel=\"noreferrer noopener\">SEPA)<\/a>, of which Switzerland is a part, transfers from your bank to the platform and back are <strong>free of charge<\/strong>. Alternatively, you can also transfer money using <strong>a credit card<\/strong>; however, debit cards are not accepted.  <\/p>\n\n<p>Depending on the selected reference currency, transfers can currently be made in CHF, EUR, or GBP.<\/p>\n\n<h3 class=\"wp-block-heading\"><span id=\"How_good_is_the_app\">How good is the app?<\/span><\/h3>\n\n<p class=\"wp-block-paragraph\">To get right to the point: We\u2019ve rarely come across an app that\u2019s so informative and yet so easy to navigate. Kudos to Splint Invest! <\/p>\n\n<p class=\"wp-block-paragraph\">You can download the app for free from the Google Play Store and Apple&#8217;s App Store. We tested the latter.   <\/p>\n\n<p class=\"wp-block-paragraph\">The app is available in <strong>German, English<\/strong>, <strong>French<\/strong>, and, most recently, <strong>Italian<\/strong>. The main content is <strong>organized <\/strong>into <strong>the <\/strong>following <strong>five sections <\/strong>in the menu bar:   <\/p>\n\n<h4 class=\"wp-block-heading\"><span id=\"8220Equipment8221_section\">&#8220;Equipment&#8221; section  <\/span><\/h4>\n\n<p>This is where the action begins\u2014or rather, where the journey of discovery starts! You can use the filter function to make an initial selection\u2014by status (\u201cMy Investments,\u201d \u201cNew,\u201d \u201cActive\u201d for items still available for purchase, or \u201cSold Out\u201d) as well as by category (e.g., art). You can further refine your selection by investment horizon, stability (i.e., how much an item\u2019s value fluctuates), and track record (the item\u2019s historical performance).  <\/p>\n<p>So far, we haven&#8217;t come across any slow-moving items at Splint Invest: Sooner or later, every item finds a buyer\u2014depending on its popularity, this can take anywhere from a few hours to a few days. By the way, there isn&#8217;t an Auto-Invest feature yet, but one is in the works. <\/p>\n\n<h4 class=\"wp-block-heading\"><span id=\"8220Exits8221_section\">&#8220;Exits&#8221; section<\/span><\/h4>\n\n<p class=\"wp-block-paragraph\">This section is new and replaces the former \u201cNews\u201d section. It provides a <strong>complete overview of all sales completed to date<\/strong> \u2014not just your own exits, but those across the <strong>entire Splint Invest universe<\/strong>. <\/p>\n\n<p class=\"wp-block-paragraph\">As we have already shown earlier in this chapter on completed sales, exits can be tracked both on a consolidated basis and in detail for each collectible\u2014including duration, volume, and return achieved.<\/p>\n\n<p class=\"wp-block-paragraph\">For us, this represents a <strong>real gain in transparency<\/strong>: Anyone who wants to evaluate this still relatively unknown asset class before investing will find a well-founded, data-driven basis here\u2014and can see in black and white what actual returns have been achieved across the entire platform to date.<\/p>\n\n<h4 class=\"wp-block-heading\"><span id=\"8220Dashboard8221_section\">&#8220;Dashboard&#8221; section<\/span><\/h4>\n\n<p class=\"wp-block-paragraph\">This section focuses on your own investments. It displays the cumulative market and nominal values, as well as changes in value. To assess the diversification of your portfolio, you\u2019ll also see how many categories and investments you\u2019re invested in.  <\/p>\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1564\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/03\/Uebersichtliche-App-1-scaled.gif\" alt=\"Alternative Investments\" class=\"wp-image-4641\"\/><figcaption class=\"wp-element-caption\">An informative, user-friendly app from Splint Invest\u2014and absolutely no paperwork: The easiest way to navigate is via the five-item menu bar at the bottom of the screen. (Source: Splint Invest) <\/figcaption><\/figure>\n\n<h4 class=\"wp-block-heading\"><span id=\"8220Trading_Hub8221_section\">&#8220;Trading Hub&#8221; section<\/span><\/h4>\n\n<p class=\"wp-block-paragraph\">Here, you trade Splints directly with other investors. This <strong>secondary market<\/strong> opens every <strong>Thursday<\/strong>: from 9:00 a.m. to 6:00 p.m., you, as the seller, list your Splints; after that, the market is open to buyers for four days, through Sunday. <\/p>\n\n<p class=\"wp-block-paragraph\">You set the asking price yourself, though within the ranges specified by Splint Invest to prevent abuse. These price ranges are set conservatively on the high end but allow for significant discounts on the low end\u2014for example, for a Splint with a market price of \u20ac52, the range is approximately \u20ac29\u2013\u20ac55. There are <strong>no fees<\/strong> for transactions conducted through the trading platform.   We&#8217;ll take a closer look below at how the trading platform can be used in practice and who stands to benefit the most from it.  <\/p>\n\n<h4 class=\"wp-block-heading\"><span id=\"8220Profile8221_section\">&#8220;Profile&#8221; section<\/span><\/h4>\n\n<p class=\"wp-block-paragraph\">In addition to personal information, there are also interesting things to discover in this section. For example, there are numerous explanatory videos available in the FAQs. If you still have unanswered questions, you can also use the chat feature in this section to ask your specific question. We\u2019ve done this several times and have received a satisfactory answer within the promised 24 hours each time.   <\/p>\n\n<p class=\"wp-block-paragraph\">One small downside: Unfortunately, the response comes via email, and there\u2019s no way to view the requests again in the app, let alone a ticket system where you could track your communication with support.<\/p>\n\n<h4 class=\"wp-block-heading\"><span id=\"Our_Take_on_the_App\">Our Take on the App<\/span><\/h4>\n\n<p class=\"wp-block-paragraph\">The app pleasantly surprised us with its functionality, user-friendliness, and wealth of information. Whether it\u2019s purchases, transactions on the trading platform, instructional videos, or questions for support: All interactions can be conveniently managed through the app\u2014with no paperwork at all.   <\/p>\n\n<h3 class=\"wp-block-heading\"><span id=\"The_First_Purchase\">The First Purchase<\/span><\/h3>\n\n<p class=\"wp-block-paragraph\">Stefan decides to look for an investment with the highest possible return potential and the shortest possible investment horizon\u2014and he finds just what he\u2019s looking for. He invests his first splint in a painting by the artist David Hockney. <\/p>\n\n<p class=\"wp-block-paragraph\">The value of this painting, created in 2010, is estimated at an impressive \u20ac156,000, which amounts to a total of 3,123 splints. At the time of purchase, 42% of the splints remained. <\/p>\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"3840\" height=\"2500\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/03\/Splint_Invest_Stefans-erster-Kauf-.png\" alt=\"Alternative Investments\" class=\"wp-image-4639\" srcset=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/03\/Splint_Invest_Stefans-erster-Kauf-.png 3840w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/03\/Splint_Invest_Stefans-erster-Kauf--768x500.png 768w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/03\/Splint_Invest_Stefans-erster-Kauf--1536x1000.png 1536w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/03\/Splint_Invest_Stefans-erster-Kauf--2048x1333.png 2048w\" sizes=\"auto, (max-width: 3840px) 100vw, 3840px\" \/><figcaption class=\"wp-element-caption\">Stefan&#8217;s first purchase in three steps: exploration, selection, and investment.<\/figcaption><\/figure>\n\n<p class=\"wp-block-paragraph\">And lo and behold: No sooner had the investment been made than the artwork had already increased in value by 0.6%! The increase in value is based on the monthly revaluation of all investments offered. On July 10, 2025, after 33 months, the painting was sold by Splint Invest, resulting in a realized net return of 14.3% per annum.  <\/p>\n\n<h3 class=\"wp-block-heading\"><span id=\"Trading_Venue_Who_Benefits_Most_from_the_Secondary_Market\">Trading Venue: Who Benefits Most from the Secondary Market<\/span><\/h3>\n\n<p class=\"wp-block-paragraph\">Stefan first used the marketplace on August 10, 2023: He bought a <strong>Rolex Sky-Dweller<\/strong> strap for \u20ac48.50, about \u20ac1.50 below the market value at the time. Since then, he has been using it regularly\u2014mostly for splints offered below market value, for which there is a handy filter (\u201cBelow Market Value\u201d). <\/p>\n\n<p class=\"wp-block-paragraph\">From the seller\u2019s perspective, it\u2019s worth being honest about pricing. In a test I conducted on May 21, 2026, I listed a total of 20 splints for sale\u2014all priced at least 2% below market value so they would appear in the \u201cBelow Market Value\u201d filter and increase the chances of a sale. Despite this deliberate sacrifice of return, only two Splints were sold. So you shouldn\u2019t count on a quick, sure sale, even if you deliberately list them at a lower price.     <\/p>\n\n<p class=\"wp-block-paragraph\">Here are two helpful tips based on our experience with the Splint Invest trading platform:  <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>When selling:<\/strong> Don&#8217;t list your items until the last hour before 6:00 p.m. That way, you&#8217;ll be able to see the other listings and their prices and position your item strategically. <\/li>\n\n\n\n<li><strong>When shopping:<\/strong> Be there right from the start\u2014that&#8217;s when the best deals are still available.<\/li>\n<\/ul>\n\n<h4 class=\"wp-block-heading\"><span id=\"Our_Conclusion_on_the_Trading_Platform\">Our Conclusion on the Trading Platform<\/span><\/h4>\n\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7] wp-block-paragraph\">Unless absolutely necessary, don\u2019t use the trading platform to sell: the hit to your return is often too great. We frequently see discounts of 10% or more\u2014presumably because the seller urgently needs liquidity. On the other hand, those who wait it out are generally better off with the orderly sale organized by Splint Invest. It\u2019s good to know, however, that the trading platform is available to you as a liquidity tool should you need it.   <\/p>\n\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7] wp-block-paragraph\">From a buyer&#8217;s perspective, it&#8217;s extremely attractive: you can often find real bargains here.<\/p>\n\n<h3 class=\"wp-block-heading\"><span id=\"What_are_the_risks\">What are the risks?<\/span><\/h3>\n\n<p class=\"wp-block-paragraph\">The greatest risk associated with this alternative investment is a <strong>financial loss<\/strong>. Such a loss occurs when the proceeds from the sale are less than the amount originally invested. Since there is currently no long-term track record spanning multiple market cycles, it is difficult at this time to make definitive statements about potential periods of loss. On a positive note, however, numerous sales have already been successfully completed, and many collectibles have found buyers at attractive prices.   <\/p>\n\n<p class=\"wp-block-paragraph\"><strong>It is also important to note that any <\/strong>potential <strong>insolvency <\/strong>of Splint Invest does not pose a concentrated risk for investors. The underlying luxury items are not included in the bankruptcy estate but remain the property of the investors. Furthermore, all collectibles offered are insured against theft and damage.  <\/p>\n\n<h3 class=\"wp-block-heading\"><span id=\"The_Smart_Club_for_Dedicated_Investors\">The Smart Club for Dedicated Investors<\/span><\/h3>\n\n<p class=\"wp-block-paragraph\">The Smart Club is an <strong>exclusive community<\/strong> of particularly active and committed investors. It offers <strong>the<\/strong> following <strong>four benefits<\/strong>: <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Premium Access:<\/strong> As a Smart Club member, you can reserve new Splints before they become available to the public.<\/li>\n\n\n\n<li><strong>Cashback Bonus:<\/strong> Every year, you&#8217;ll receive a 1% bonus cashback on your invested amounts (net), credited directly to your bonus balance in the app. The bonus is credited each January. <\/li>\n\n\n\n<li><strong>Smart Newsletter:<\/strong> You&#8217;ll receive regular updates featuring insights, expert tips, and insider information.<\/li>\n\n\n\n<li><strong>Invitations to exclusive events:<\/strong> Through exclusive events, you can network with other investors and gain insights from industry experts.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">To become and remain a member of the Smart Club, you must meet <strong>the<\/strong> following <strong>two requirements<\/strong>:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Annual net investment of at least 2,500 CHF. The net investment amount is the total amount invested across all categories, minus sales and exits during the same period.  <\/li>\n\n\n\n<li>Investments in at least three categories per year\u2014for example, art, watches, and wine.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">If you meet these requirements, you will be <strong>automatically accepted<\/strong>. The previous invitation process, which required existing members to invite new members, was discontinued in 2026. <\/p>\n\n<h3 class=\"wp-block-heading\"><span id=\"What_are_the_pros_and_cons_of_Splint_Invest\">What are the pros and cons of Splint Invest?<\/span><\/h3>\n\n<link rel=\"stylesheet\" href=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/advantages-and-disadvantages.css\">\n\n<div id=\"VgUfSIp\" class=\"advantages-and-disadvantages grey-advantages\">\n\t<p class='advantages-title'>\n\t\t\t<\/p>\n\t\n\t<div class=''>\t\n\t\t<div class=\"row\">\n\n\t\t\t\t\t\t<div class=\"col-12 mb-3\">\n\t\t\t\t<div class=\"advantages\" style=\"background: #f9f9fa; border:1px solid #f0f0f2;\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"advantage d-flex\">\n\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\"> A stabilizing effect on the portfolio, because investments in collectibles tend to follow a different performance trajectory or exhibit only a weak correlation compared to traditional investments such as stocks (ETFs) or bonds\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"advantage d-flex\">\n\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\"> High potential for profit (it is not uncommon for collectors&#8217; items to fetch &#8220;astronomical prices&#8221;)\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"advantage d-flex\">\n\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\"> Low barriers to entry, broad diversification, and no concentration risk: You can get started with just \u20ac50!\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"advantage d-flex\">\n\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\"> A professional, intuitive app that provides detailed information on each investment property, including three scenarios for future value appreciation \t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"advantage d-flex\">\n\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\"> Weekly trading platform (secondary market) for early sales and bargain purchases\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"advantage d-flex\">\n\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\"> No custody fees\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"advantage d-flex\">\n\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\"> Greater potential for identification through desirable tangible assets such as works by well-known artists or luxury watches  \t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"advantage d-flex\">\n\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\"> 60 CHF starting balance with our Splint Invest promo code SFB60  \t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"col-12\">\n\t\t\t\t<div class=\"disadvantages\" style=\"background: #f9f9fa; border:1px solid #f0f0f2;\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"disadvantage d-flex\">\n\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/disadvantage.svg\"> Confidence Issue: There is still no long-term track record, despite numerous completed sales\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"disadvantage d-flex\">\n\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/disadvantage.svg\"> Higher fees or more expensive than traditional (passive) investments such as stock ETFs  \t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"disadvantage d-flex\">\n\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/disadvantage.svg\"> No Auto-Invest\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n\t\n<\/div>\n\n<h2 class=\"wp-block-heading\"><span id=\"Conclusion_on_Our_Experience_with_Splint_Invest\">Conclusion on Our Experience with Splint Invest<\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Alternative investments, such as high-quality collectibles, can help diversify a portfolio and make it more stable when added as a supplement. We were impressed by this asset class and its user-friendly implementation, which is why we are strategically supplementing our portfolio\u2014which consists primarily of equity ETFs\u2014with \u201cSplints,\u201d or shares in these collectibles. We are doing this gradually over a longer period of time, without exceeding 10% of the total portfolio value.  <\/p>\n\n<p class=\"wp-block-paragraph\">For a platform for alternative investments that is still in its early stages, the issue of trust is key. The same applies to Splint Invest: Despite numerous completed sales, it still lacks a long-term track record spanning multiple market cycles. However, we view it as a positive sign that many collectibles have quickly found buyers and generated double-digit returns. The fact that an early sale on the secondary market isn\u2019t always easy is of little consequence to us\u2014we invest in Splint for the long term anyway.     <\/p>\n\n<p class=\"wp-block-paragraph\">In our view, Splints are particularly well-suited for individuals who wish to strategically add alternative investments to their portfolio and who value at least one of the following aspects:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>better diversification<\/strong> and potentially less dependence on the stock and interest rate markets<\/li>\n\n\n\n<li><strong>Higher potential returns<\/strong>, accompanied by corresponding risks<\/li>\n\n\n\n<li><strong>more excitement<\/strong> compared to traditional investments such as stocks or bonds<\/li>\n<\/ul>\n\n<p>Questions? Just post them in the comments below. We&#8217;ll get back to you right away.  <\/p>\n\n<p class=\"has-text-align-center wp-block-paragraph\"><span style=\"color: #37c392;\"><em>\u2013 Partner Offer \u2013<\/em><\/span><\/p>\n<div class=\"wp-block-image d-block d-md-none\">\n<figure class=\"aligncenter size-full\"><a href=\"https:\/\/splintinvest.com\/de\/\" target=\"_blank\" rel=\"noreferrer noopener\"><img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2025\/10\/Banner_Mobile_neu_ohne-EUR_EN.png\" alt=\"Splint Invest Reviews\" class=\"wp-image-6925\"\/><\/a><\/figure>\n<\/div><div class=\"wp-block-image d-none d-md-block\">\n<figure class=\"aligncenter size-full is-resized\"><a href=\"https:\/\/splintinvest.com\/de\/\" target=\"_blank\" rel=\"noreferrer noopener\"><img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2025\/10\/Banner_Desktop_neu_ohne-EUR_EN.png\" alt=\"Splint Invest Reviews\" class=\"wp-image-6926\" style=\"aspect-ratio:3.17570227232063;width:838px;height:auto\"\/><\/a><\/figure>\n<\/div>\n<p class=\"has-text-align-center wp-block-paragraph\"><em>Disclaimer: Investing involves the risk of loss.  <\/em><\/p>\n\n<p style=\"text-align: center;\"><em><b><span style=\"font-size: 13.0pt; font-family: Montserrat; color: #37c392;\">\u2013 \u2013 \u2013 \u2013 \u2013<\/span><\/b><\/em><\/p>\n\n<h2 class=\"wp-block-heading\"><span id=\"You_might_also_be_interested_in_this\">You might also be interested in this<\/span><\/h2>\n\n<link rel=\"stylesheet\" href=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/post-list-component\/post-list-component.css\">\n\n<div class=\"post-list-componenet pt-2 pb-4\">\n\t<div class=\"row\">\n\t\t\t\t\t\t\n\t\t <div class=\"col-xl-6\">\n\t\t\t <a class=\"text-decoration-none\" href=\"https:\/\/schweizerfinanzblog.ch\/en\/real-estate-etfs-the-easiest-way-to-invest-in-concrete-gold\/\">\n\t\t\t\t<div class=\"d-flex post-list-card\">\n\t\t\t\t\t<div class=\"post-list-image \">\n\t\t\t\t\t\t<div class=\"image-wrapper\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1920\" height=\"1123\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2024\/12\/Titelbild_nyc-4854718_neu-1.jpg\" class=\"attachment-1920x1297 size-1920x1297 wp-post-image\" alt=\"Immobilien-ETFs\" srcset=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2024\/12\/Titelbild_nyc-4854718_neu-1.jpg 2500w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2024\/12\/Titelbild_nyc-4854718_neu-1-768x449.jpg 768w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2024\/12\/Titelbild_nyc-4854718_neu-1-1536x898.jpg 1536w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2024\/12\/Titelbild_nyc-4854718_neu-1-2048x1198.jpg 2048w\" sizes=\"auto, (max-width: 1920px) 100vw, 1920px\" \/>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"post-list-title px-2 d-flex align-items-center\">\n\t\t\t\t\t\t<p class=\"\">Real estate ETFs: the easiest way to invest in &#8220;concrete gold&#8221;<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\n\t\t <div class=\"col-xl-6\">\n\t\t\t <a class=\"text-decoration-none\" href=\"https:\/\/schweizerfinanzblog.ch\/en\/worthwhile-factor-investing\/\">\n\t\t\t\t<div class=\"d-flex post-list-card\">\n\t\t\t\t\t<div class=\"post-list-image \">\n\t\t\t\t\t\t<div class=\"image-wrapper\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1080\" height=\"620\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2020\/10\/Titelbild_Factor_Investing.png\" class=\"attachment-1920x1297 size-1920x1297 wp-post-image\" alt=\"Factor Investing\" srcset=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2020\/10\/Titelbild_Factor_Investing.png 1080w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2020\/10\/Titelbild_Factor_Investing-768x441.png 768w\" sizes=\"auto, (max-width: 1080px) 100vw, 1080px\" \/>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"post-list-title px-2 d-flex align-items-center\">\n\t\t\t\t\t\t<p class=\"\">Is factor investing worthwhile? The 5 most important factor premiums in the yield check<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n<\/div>\n<h2 class=\"wp-block-heading\"><span id=\"Updates\">Updates<\/span><\/h2>\n\n<p>August 8, 2026: New rules for the Smart Club admission process explained.  <\/p>\n<p>June 22, 2026: Summer special offer published.  <\/p>\n<p>May 29, 2026: Updated sales statistics and fee model, and added new insights about the trading platform.<\/p>\n<p>May 6, 2026: May special offer published.<\/p>\n<p>April 1, 2026: April special offer published.<\/p>\n<p>March 1, 2026: March special offer published.  <\/p>\n<p>January 15, 2026: Article comprehensively updated.<\/p>\n<p>October 3, 2025: Explanation of new accounts with CHF or GBP as the reference currency.  <\/p>\n<p>June 23, 2025: Splint Invest Explains Smart Club.<\/p>\n\n<p class=\"wp-block-paragraph\">April 15, 2025: Exit table updated.<\/p>\n\n<p class=\"wp-block-paragraph\">November 1, 2024: Added a new table showing all sales to date and the returns achieved.  <\/p>\n\n<p class=\"wp-block-paragraph\">April 9, 2024: Mention of previous sales, completion of the investment categories, multilingual support for the app, and an increase in the bonus to 60.<\/p>\n\n<p class=\"wp-block-paragraph\">September 4, 2023: Added my own experiences with the trading platform.  <\/p>\n\n<h2 class=\"wp-block-heading\"><span id=\"Disclaimer\">Disclaimer<\/span><\/h2>\n\n<p class=\"wp-block-paragraph\"><strong>Disclaimer:<\/strong> Investing involves risks. You must decide for yourself whether or not you are willing to accept these risks. <\/p>\n\n<p class=\"wp-block-paragraph\"><strong>Subject to errors:<\/strong> We have written this article about our experience with Splint Invest to the best of our knowledge and belief. Our goal is to provide you, as a retail investor, with information on financial topics that is as objective and informative as possible. However, if we have made any errors, omitted important details, and\/or if the information is no longer up to date, we would appreciate it if you could bring these issues to our attention.  <\/p>\n","protected":false},"excerpt":{"rendered":"<p>For those who want to diversify their assets and reduce their dependence on price fluctuations in the financial markets, alternative investments offer an exciting complement to a traditional stock portfolio. The up-and-coming Swiss platform Splint Invest is taking a pioneering approach: it \u2019s democratizing access to high-quality collectibles by making them available to a broad [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":9161,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[198,180,178],"tags":[],"class_list":["post-9489","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-alternative-investments","category-investment-strategy","category-reviews-en"],"acf":[],"_links":{"self":[{"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/posts\/9489","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/comments?post=9489"}],"version-history":[{"count":49,"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/posts\/9489\/revisions"}],"predecessor-version":[{"id":18227,"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/posts\/9489\/revisions\/18227"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/media\/9161"}],"wp:attachment":[{"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/media?parent=9489"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/categories?post=9489"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/tags?post=9489"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}