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As a registered user, you can log in to your user account at invesdor.com as per usual. However, if you do not have an account yet, you can easily register here.
Once you have decided to invest in bonds, you can find all necessary investment documents on the funding round landing page and, instantly and easily, subscribe to bonds digitally.
After your investment, you will receive a confirmation of your investment and further information via email. Following the bond issue, the subscribed bonds will be saved in your Invesdor profile or - if possible - deposited in your securities account.
Many large companies issue bonds in order to raise long-term debt capital and continue to grow sustainably and steadily. In return, investors receive a certain fixed percentage paid out annually over the term, similar to a savings account, for example. For bonds this interest rate is called a coupon.
After reviewing the documentation, you decide to invest and benefit from the company's performance. To do so, you select your investment amount as per usual. The interest rate can be fixed or it can be determined in an auction during the funding period.
The company usually pays your fixed interest rate (coupon) to your account once a year over the fixed term.
Bonds are securities, thus freely transferable, with longer maturities, at Invesdor approximately between 4 and 10 years. You receive a fixed interest rate, called a coupon, which is usually paid out once a year.
Bonds are currently used primarily by large companies as an instrument for long-term financing. Why only large companies? Issuing bonds is expensive because banks charge high fees for doing so. In addition, typically only large institutional investors, such as insurance companies and funds, can invest in bonds. Invesdor has set itself the goal of making this form of investment accessible to private investors as well. And to enable them to invest in attractive medium-sized companies that previously had no access to the bond market. A bond is unsecured and generally ranks pari passu with an unsecured loan. This means that interest and capital repayments are serviced before equity and mezzanine capital.
On invesdor.com you can easily and freely choose your desired investment amount. You simply specify the amount you want to invest. The minimum amount is usually 1,000 euros. The maximum amount you can invest is set by law and varies from country to country. Invesdor automatically sets this for you.
Bonds are securities and therefore transferable. In most cases, this is done via a stock exchange. Bonds issued through Invesdor may be listed on a stock exchange or may be listed after issuance. In some cases, a stock exchange listing is not planned. If a bond you wish to invest in is listed on an exchange (and has an ISIN code), please contact your broker or principal bank to see if the bond can be posted to your securities or book account.
At Invesdor we are working on a solution so you can offer and sell your bonds through the platform. Until then, if you need to, you can contact us or the issuer and deposit your interest to sell. If there is investor demand, we will bring both parties together. In addition, you can always find a buyer yourself or even offer the bond to the company for repurchase. In any case, it is important that the company and Invesdor are informed of the sale. This is the only way to ensure that the rightful owner receives interest and capital.
The taxation of capital gains depends on the domicile of both the issuer and the investor. This is general tax information that cannot replace individual advice from a tax advisor.
Similar to subordinated loans, for example, you receive a fixed interest rate that is paid out annually. In some cases you can choose to receive the interest value in the form of vouchers (instead of cash). Also, the term is usually between 4 and 10 years and you get the full amount back at the end of the term.