Investor Protection
How We Protect You.
Three commitments. No license required.
We publish these in plain English because trust is built on what we promise in writing — not what a brochure hints at.
01 — Liquidity
You can exit when you need to.
A VIG Circle member can sell their stake to another VIG member through the Circle Exchange — we match buyers and sellers internally, at a price both sides agree on. For genuine emergencies, we also hold a liquidity reserve that can fund redemptions before a project exits.
Today’s liquidity reserve
€1.2M
Last updated: 19 April 2026
Target band
7–10% of total deployed capital
The Circle Exchange is a member-to-member bulletin — VIG does not guarantee a match or a specific price. The reserve is discretionary, not a legal redemption right.
02 — Capital Stack
Our money loses before yours does.
VIG commits first-loss capital on every project — our equity absorbs the first losses before any investor principal is touched. We also cap leverage at a hard ceiling. That combination means prices would need to drop materially before you lose a single cent.
VIG first-loss commitment
10%
10% of every project
Implied downside buffer
~30%
Property prices would need to drop ~30% before investor principal is touched
Maximum LTV per project
60%
No project carries leverage above 60%
First-loss math illustrates the downside buffer on a representative project. Actual buffer varies with project-specific equity, leverage, and market conditions.
03 — Transparency
We split what’s real from what’s projected.
Most funds blend realized returns with projections into a single headline number. We don’t. Money that has been returned to investors is shown separately from money still in flight. On every active project page, you see Bear, Base, and Best scenarios — not just the Best one.
Realized — returned to investors
€12.4M
Last updated: 19 April 2026
In flight — projected
€19.2M
Every active project page shows Bear / Base / Best scenarios side-by-side. Projections are management underwriting — not guarantees.
Summary
Three commitments. No license required to honor them.
VIG Alternative Investment Fund (AIF) registration is scheduled for Q3 2026. Until then — and after — these three commitments stand on their own.
All investments carry risk, including possible loss of principal. Targeted returns and downside buffers are not guarantees. Figures on this page reflect VIG’s platform-wide policy and current reserves; project-level terms are disclosed in each SPV’s documentation.