Investown Blog
Find out what's new in the world of investing, the economic market and Investown. Everything from the basic concepts, through the registration of a new investor, to the financing of the project.
Taxing income for 2025: we bring a simple guide
Investing through the Investown platform is a great opportunity to make your money work. However, in addition to profits, it also brings obligations related to the taxation of income earned. This article will guide you through the basic rules of what to look out for and when to seek help from a tax advisor.
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Komentář Alana Pocka: Zpřísnění investičních hypoték pomůže vrátit bydlení lidem
Česká národní banka nově od 1. dubna 2026 doporučuje bankám zpřísnit podmínky pro takzvané investiční hypotéky – tedy úvěry na nákup třetí a další nemovitosti nebo bytu určeného k pronájmu. Co to znamená pro investory a co pro Investown? Nad tím se zamyslel CEO Investownu, Alan Pock.
Glossary of investment terms — do you know them all?
Investing offers a lot of specific terms that you cannot do without as an investor. Find out what level your investor knowledge is.
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TradeCZ podcast with Alan Peck: on real estate investing and diversification
Our CEO Alan Pock had a conversation at one table about real estate, investing and diversification with Fingood's Chief Operating Officer Ondřej Kozl. The debate was moderated by Petr Plecháč.
Alan Pock on the basics of investing in the show Our Czechia
When is it good to start thinking about the future? What mistakes to avoid? This and other questions were answered by Alan Pock, founder and CEO of Investown on the show Naše Česko.
Diversification. What is it and how does it help prevent losses?
Diversification is a word that should be at the top of every investor's vocabulary. This is the key to successful investing. Smart diversification of your investment portfolio protects your funds, reduces the risk of loss and helps you build the ideal passive income.
How a completed project opens the door to new investment opportunities
Each Investown loan has an expected repayment term, which is always indicative only. The project owner can apply for an extension, but also can repay the loan before that deadline. What does it look like when a project manages to be successfully completed sooner than expected?
Revenues on Investown - what affects their amount?
The high returns on projects, which previously routinely exceeded 10% on Investown, reflected the extraordinary situation in the market. At that time, interest rates were rising due to high inflation. Today, the situation is turning. Interest rates are falling, the market is calming down and, as a result, yields have stabilised at a slightly lower level than usual. Why is this the right development?
Czechs between mortgages and savings accounts: a lesson to understand
The average rate on newly granted mortgages has reached the 5% threshold, a full percentage point higher until a year ago. This is a welcome relief for households dealing with their own housing. But at the same time, falling rates mean that savings accounts gradually cease to be attractive. The Czech National Bank has repeatedly cut the two-week repo rate this year, currently at 3.5%. And it is this rate that translates into what interest people on savings accounts get.
Alan Pock and Václav Veselý for FocusOn podcast: Our advantage is flexibility
Investown has over 120,000 investors and annually finances projects worth hundreds of millions of crowns. Its founder and CEO Alan Pock together with CSO Václav Veselý in an interview for eMoney on FocusOn platform explained how we operate, how our financing differs from banks and what we see trends in real estate financing.
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At least 500 CZK extra. Refer friends and get rewarded
Share the joy of investing and we will reward you and your friends. The lowest amount you can both get is 500 CZK. No matter how many friends you invite, there is no limit to friendship.
Clearer and more accurate: Introducing news in the portfolio view
Thanks to your suggestions, we bring you three news that will make it easier for you to navigate and give you a more accurate view of your income and the status of your money. Which ones are they?
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LTV, KIIS or rating. What do you need to know before investing?
How do you decide where to invest? Do you prefer to feel or thoroughly analyze all available data? At Investown, you can draw on the wealth of information that you will find on each investment opportunity. They will help you make a good decision. Read which ones they are.
3 steps that separate you from the first returns
Investing is the most effective way to protect and value your savings. With group investing through Investown, you can participate in financing real projects through loans secured by real estate without having to buy your own property. Sign up and get started today, it's simple.
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5 Strategies to Make Passive Income
The passive income label has worked almost like an incantation in recent years. Everyone wanted it, everyone talked about it, and social networks were full of advice on how to create one. But the reality is more complicated. Let's look at it in detail.
Compound interest: How reinvestments help you reach your investment goal faster
Legendary investor Warren Buffett calls compound interest “the eighth wonder of the world” and says that those who understand it can use it to their advantage. Compound interest plays a crucial role in how quickly your invested capital grows and how effectively you achieve your financial goals.
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10 Golden Rules of Cybersecurity: How to Protect Your Online Accounts
Together with Dominik Vávra, co-founder and CTO of Investown, who takes care of the platform's technological security, we have prepared for you an overview of the most important security rules.
Investing in real estate or stocks? Nothing complicated today
Today, investing in stocks is available to almost everyone. Just a few clicks on your smartphone and you can buy a stake in the world's biggest companies. However, the downside is the volatility of the markets or the complexity of financial statements. What if there was an alternative that combines the simplicity of buying stocks with the stability of real estate?
How to Invest in 2025: Tips for Smarter Portfolio Management
2025 presents a number of opportunities and challenges for investors. The global economy is recovering from recent shocks, technological innovation is gaining momentum and markets are evolving dynamically. This article offers practical advice for investors who want to optimize their portfolio and take advantage of current trends.
Winter Q&A with Alan Peck, CEO of Investown: about Autoinvest, troubled projects, but also Christmas
The winter meeting with Alan Peck and our investor community was filled with inspiring discussions and interesting questions. We discussed both current news and long-term plans. Most investors were interested in how we proceed with problem projects, how we solve late payments, but also how to give credit ratings to individual projects.
Investown on CNN Prima News: How to invest in real estate smartly and simply
Over the past few months, our colleagues had the opportunity to introduce the Investown platform and its benefits to viewers on CNN Prima News. The three interviews covered topics ranging from the affordability of real estate investing to specific strategies to start investing smartly and simply.
Investing regularly: A reliable way to grow your finances
Investing is a proven path to building wealth and financial independence, but not always achieving goals is this straightforward. Markets are unpredictable and finding the right moment to invest can lead to expensive mistakes. The solution is to invest regularly. A simple strategy that offers stability, eliminates emotional decision-making and leverages market fluctuations to your advantage.
Low risk or high yield? Is it necessary to compromise?
Every investor has different goals. Some are looking for a safe appreciation of their savings, others are eager for maximum returns, albeit with a higher risk. But how to find the right path? The key is a well-thought-out strategy that fits your needs and expectations.
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What is the best investment strategy for beginners?
The topic of investing is becoming increasingly popular among the Czech public. And it's true all over the world. The best-known stock index, the S&P 500, has hit several all-time highs in recent months. And real estate remains one of the most attractive investment options in the long term. Other forms of investment are not left behind, as evidenced by the growth of our platform. But what is the best strategy for investing? And does it even exist?
S&P 500 Index vs. Investown Real Estate Portfolio
The S&P 500 has produced an average return of 10-11% per year over the past 20 years. But stocks are generally less stable. Conversely, properties on the Investown platform offer stable returns with minor fluctuations of around 8-10% per annum.
Markets are plunging en masse. What does an investor need to know?
Capital markets have experienced a significant sell-off in the past 2 weeks. All three major U.S. stock indexes fell into the loss, as did cryptocurrencies or oil. US Treasury yields also fell to their lowest level this year.
Summer Q&A with Alan Peck, CEO of Investown.
Investor meetup: what investors were most interested in?
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Which Common Mistakes Should You Avoid When Investing?
The advantage of investing in a time of readily available information is that even a less experienced investor can learn from mistakes made by a number of people before him. Below we have prepared for you an overview of 5 common mistakes that are worth avoiding from the first day of appreciating your money.
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Investown membership: Premium investors get up to 1% p.a. higher return and other benefits
Bonus returns of up to 1% p.a., access to Premium projects or an invitation to exclusive conferences with Investown management. This is just part of the benefits that await our investors in Investown membership.
Interest on “savers” is falling. Investown will still earn you up to 10,5%
Czechs have long enjoyed high interest rates on savings accounts. But this period is gone, as banks began to reduce yields on savings products at the turn of winter and spring. However, at Investown you can still value your money with a high interest rate of up to 10,5%, so it pays to invest more than before.
How to start investing as a complete novice?
Even the most experienced investors were once at the beginning and had to learn the principles of investing or gain valuable experience. The important thing is to take the first step and stick to the basic rules that have been in place for decades.
5 reasons why it pays to invest in projects with longer maturities on Investown
In addition to shorter-term projects, for example for 12 months, investors on Investown can also value their money in longer-maturity real estate loans. Why is it worth not neglecting these opportunities?
Comparison: investments in loans secured by real estate vs. investments in stocks
Investments in secured real estate loans have been gaining popularity in recent years, as evidenced by more than 90,000 investors using Investown. Shares of publicly traded companies are, for a change, the biggest classic in financial markets.
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Is it worth leaving money in a savings account?
“I have all the money in the bank. They are safe there, and they even appreciate themselves a little to me,” Czechs often say. But is it really that simple? And if you leave savings in a savings account in a bank, how many to put away there? We will answer that too.
Is it worth leaving money in a savings account?
“I have all the money in the bank. They are safe there, and they even appreciate themselves a little to me,” Czechs often say. But is it really that simple? And if you leave savings in a savings account in a bank, how many to put away there? We will answer that too.
How much money will you have if you invest 1,000 CZK per month for 30 years?
Patience, perseverance and regularity. If these three factors are combined, the investor has a good chance of appreciating the money decently, even if he invests only a few hundred crowns a month. How rich will your portfolio be in 30 years if you invest 1,000 CZK each month?
How to detect investment fraud at a glance?
Interest in investing in the Czech Republic and in the world is growing every year, which is excellent news. Unfortunately, with the higher demand for the appreciation of money, fraudulent investment projects also increase. Fortunately, most of them can be discovered with a little effort.
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What to watch for in the world of finance and investment this year?
Will the Czech economy jump back into the saddle in 2024? And where will house prices, which were largely stagnant last year, go? Find out what is important from the financial and investment pond to watch from now until the end of this year.
Fix high interest on Investown while it's time
Interest on savings accounts and term deposits will fall sharply in the spring of 2024. However, the amount of returns on Investown is still around 10% per year, so here you have one of the last chances to fix such a high interest for the long term.
How compound interest works, or the magic of long-term investing
The best investors in the world invest for the long term, even decades. Among other things, due to compound interest, which works wonders in the long term. Its magic lies in what is known as interest accrual - when the returns from previous investments are reinvested, in a few years the profit will grow exponentially.
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Why build a financial reserve and how high it should be
In most people's lives, situations come in when a sufficient financial cushion comes in handy. Read why everyone should have it ready and how large a reserve is ideal for the average person.
We have a CNB license! Investown was the first in the Czech Republic to receive it.
Crowdfunding platforms in the Czech Republic can operate from 10 November 2023 only with a special license from the Czech National Bank (CNB). Investown confirmed that it met the required regulatory standards and received the license from the CNB as the first in the credit crowdfunding industry.
3 ways Investown protects investors in case a partner stops repaying
Minimizing investors' risks is absolutely key for us, as is protecting their money. That's why we have reliable insurance policies at Investown in case the project owner stops repaying. How do they work?
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What to invest CZK 100,000 in 2023?
Because of high inflation, investing has become more important than ever over the past two years. But where and how should an investor evaluate 100,000 CZK or another amount so as not to lose his pants? We have prepared a comparison of investment options for 2023.
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How Investown switched to crowdfunding
Investown started as a platform for investing in Czech apartments. But in 2022, he changed the model to crowdfunding. How does the original and current model work?
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