Sachwert Invest Review

What it is

Sachwert Invest is a Bremen marketplace, founded in 2021 and wholly owned by Sparkasse Bremen AG, where private investors buy small digital stakes in real assets: commercial and residential buildings, mostly in Bremen, solar and wind parks, a forestry project, wine and historic violins. It lists 13 offers, two of them open for investment in October 2026 (a wind park at 3.40% and a violin at 6.80% forecast yield), with offer sizes from €46,000 to €2.7 million.

How it works

You register free of charge, verify your identity by video and invest from €500 per offer. Each asset sits in its own project company, which issues a security, usually a tokenised bond, whose payments depend on how the asset performs: rent or power sales paid out yearly or half-yearly, or a sale at the end. Terms are typically 3 to 10 years. Tax is withheld automatically by the issuer.

Returns

The platform shows only forecast average distribution yields, from 3.40% to 6.80% a year across its offers (October 2026), and says itself that these are calculated forecasts and not a reliable indicator of future results. It publishes no realised return for any offer.

Losses and defaults

Sachwert Invest publishes no loss, default or repayment figures and no status of past offers. In April 2026 an investor review reported that the operator renting a kindergarten property in Bremen had become insolvent. The company replied on 30 April 2026 that, to its knowledge, rent was paid until 31 July 2026 and that re-letting or a conversion to housing was being studied. Which offer this concerns is not stated.

What secures your money

No collateral for investors is described. You buy a security, usually a tokenised bond, issued by a separate project company that holds one asset: a building, a solar or wind park, wine or a violin. Your claim is on that company, and what you get back depends on the rent, power sales or sale price the asset brings. The platform calls the asset itself the main protection, but no mortgage or pledge in favour of investors is described on its pages, and there is no buyback, guarantee, reserve fund or deposit protection; the platform says so itself. Because each project company is separate, an insolvency of Sachwert Invest would not reach the assets. No figures on repayments or recoveries are published. Being a subsidiary of Sparkasse Bremen is, in the platform's own words, not a legal guarantee.

Who runs it and its licence

The platform is run by Sachwert Invest GmbH (Bremen, HRB 36960). It holds no licence of its own from the German financial regulator BaFin: it is registered as a tied agent of Effecta GmbH, Florstadt, under number 80175797, and arranges investments for the account and under the liability of Effecta, an investment firm supervised by BaFin. Its trade-law supervisor is the Bremen senator for the economy. Public review score 3.8 out of 5 (5 reviews, October 2026).

Fees

Investors pay no subscription charge or other direct fee: the platform says 100% of the amount goes into the project. Sachwert Invest is paid by each project company for checking, structuring, placing and managing the deal; these costs are already built into the forecast yield and are set out in each offer's key information document, not on a general fee page.

Getting your money out

Money is normally tied up for the full term of 3 to 10 years. The platform runs an internal marketplace where you can offer your stake to other investors, but a sale happens only if a buyer is found; the platform says there is no regulated, liquid secondary market.

Our view

Return: Low — the highest figure is a 6.8% forecast yield, and nothing realised is published. Risk: High (higher means more risk) — a young platform with 13 offers, no loss or repayment figures, assets ranging from buildings to collectables, and one tenant insolvency already reported; the operator has no licence of its own and works as a tied agent. Risk-return: Very Low — forecasts alone do not show that investors are paid for the risk.