How does investing with Enerfip work?

You want control over your savings and you would like your investments to make a positive impact with Enerfip. What steps do you need to follow to start investing?

Smartphone displaying an investment portfolio app in French with two investment options, Vents de Númenor and Soleil de Comté, showing interest rates, duration, and investment details.

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Open your account

‍Register

Enter an email address and a password to create your account.

Sophisticated Investors

This quick regulatory check allows you to determine if you qualify as what the financial regulator calls a sophisticated investor. If so, you are exempt from the following two steps.

Investor Profile

As with any financial product (Life Insurance, Retirement Savings Plan), we’ll ask you to answer a few regulatory questions. Instead of completing these with each subscription, we ask you to do so only once a year!

‍Wealth Simulator

In this mandatory module, the wealth simulator allows you to calculate the investment ceiling as recommended by the regulator.

‍Identity Verification

We will ask you for one proof of identity as part of our anti-fraud and anti-money laundering duty. After that, you're done!

Subscribe to Your First Investment

‍Explore the Catalogue

Go to the Invest tab to view open or upcoming investments.

Select an Investment

Compare offers based on what interest rate they pay, their duration, title, and payment frequency. And compare projects based on the type of energy, their impact, and location.

Complete the Subscription

Click Invest and enter the amount you wish to invest.

Sign the Subscription Contract

Read the subscription contract and sign it.

‍Fund Your Subscription

By credit card or bank transfer (iDEAL is coming soon).

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Taxes of Your Investments

Tax Declaration

Enerfip provides you with Unique Tax Forms (IFUs) in order to declare your interest income to your local tax collector.

Manual tax return

Assuming you are not resident in France for tax purposes, Enerfip will provide you with a tax statement (IFU).

Waiver of direct debit

If not applicable to you, you can deactivate direct debit in to your investor area.

How your investment matures

Capital Recovery

You get your initial capital back according to the investment specifications indicated on the contract and in the Key Information Document (KID). It can be at regular intervals (quarterly, semi-annually, annually) or in fine, i.e., at the end of the investment period.

Payment of Returns

Interests and dividends are paid at regular intervals according to the terms of the investments (quarterly, semi-annually, annually), while capital gains can be paid in fine (at the end).

Early Repayment

Some investments get repaid early

Project Updates

If you activate notifications for projects you have financed, you will receive on average one to two emails per year to inform you about the project's progress (commissioning, inauguration, performance, TV coverage, reporting).

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