Investment with Purpose
Most investments are about maximizing returns. But what if your investment could simultaneously:
- Generate stable returns
- Help people in need
- Solve a societal problem
This is the essence of impact investing — investing with positive social impact.
The Problem of Generation 50+
In Central Europe, approximately 2+ million people aged 50-75 who:
Own Property
35,000-50,000 apartments in capital cities alone are owned by seniors without mortgages.
Lack Cash
Their wealth is "frozen" in property. An €180,000 apartment doesn't help pay bills.
Face Pension Crisis
State pension isn't enough for dignified living. Average pension is ~€500-600, but costs are rising.
How You Can Help
By Investing Through HomeGrif
When you invest in a senior's property through HomeGrif:
- Senior receives monthly rent (€500-1500)
- They stay living in their apartment
- You gain a share in quality property
- After their passing, you receive the property
Why It's Good for You
1. Stable Investment
- Real estate is less volatile than stocks
- Value grows with inflation
- Real, tangible asset
2. Known Location
- You invest in apartments you know
- You can assess location and quality
- Not an abstract foreign investment
3. Discount on Purchase Price
- You buy an apartment with "encumbrance" (lifetime residence right)
- Therefore price is lower than market
- Discount compensates for waiting period
4. Ethical Aspect
- Your money helps real people
- Not an anonymous corporate investment
- Positive impact on society
Win-Win-Win Model
| Participant | What They Gain |
|---|---|
| Senior | Monthly rent, stays home, dignified life |
| Investor | Stable returns, real assets, diversification |
| Society | Pension crisis solution, less state burden |
Example Story: Mr. Kovac and Young Investor
Mr. Kovac (72): Widower, lives in 2-bedroom apartment in Petrzalka. Pension €480, costs €400. €80 left for food, medication, everything else.
Martin (34): IT specialist, earns €2,500 monthly. Wants to invest outside ETFs, looking for something meaningful.
Solution: Martin invests €15,000 into Mr. Kovac's apartment via HomeGrif. Mr. Kovac receives €650 extra monthly. Can afford medication, occasional restaurant, visits from children.
10 years later: Mr. Kovac passes away in his apartment, surrounded by memories. Martin receives share in apartment worth approximately €25,000.
Start Investing with Purpose
Impact investing isn't about sacrificing returns. It's about your money doing good while working for you.
Final thought: Our parents' and grandparents' generation built this country. Now they need our help. Investing in their apartments is a way to help them while securing your own future.