Vinovest vs Cult Wines Comparison

Assess their risks, liquidity, returns, and timeframes

Invest in wine and whiskey

Invest in a portfolio of highly desirable wines


Investments
$1,000

The minimum deposit required is $1,000.

Investments
$35,000

Minimum investment levels start at $35,000 for the Premier Cru tier and go up to £1 million for the Black Tier.


Moderate Risk
3/5

Investing with Vinovest involves market fluctuation risks, potential loss from early sale fees, limited insurance coverage, and no guarantee of liquidity or fair value realization on the secondary market.

Moderate Risk
3/5

Investing with Cult Wine Investment involves market risks, potential fluctuations in wine prices, and variable liquidity, which could impact the value and sale of the assets.


Moderate Liquidity
2/5

Vinovest permits selling of assets with no extra commissions but charges a 1.5% listing fee for sales made before the ideal time window. Liquidity is not guaranteed and depends on market demand.

Minimum Liquidity
1/5

Cult Wine Investment allows for portfolio liquidation, typically within 8 to 12 weeks, through sales to global trade, collectors, and consumers.

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Moderate Return
8.9-13.8 %

Between 2015 and 2022, whiskey and fine wine have historically generated annual returns of 13.8% and 8.9%, respectively.

Moderate Return
8 %

Cult Wine Investment has achieved a compound annual growth rate of 8% since 2009.


Long-term Investment
5-10 years

Vinovest offers three time horizons for wine investment: short-term (5-7 years), medium-term (7-10 years), and long-term (10+ years), with customization options for higher-tier clients.

Long-term Investment
3-10 years

Cult Wine Investment advises a 3-5 year minimum investment term, ideally extending to 5-10 years for optimal results.


Who can invest
International

Vinovest is open to investors who can meet the platform's minimum investment thresholds, catering to a wide audience from beginners to seasoned collectors and various entities.

Who can invest
International

Cult Wine Investment accepts investors worldwide with no geographic restrictions. Minimum age requirement: 18 or legal drinking age in your country.


Moderate Volatility
3/5

Vinovest's assets, like wine and whiskey, can face market volatility with swift price changes, posing risks of financial loss for short-term investors.

Moderate Volatility
3/5

Fine wine values can fluctuate due to various factors, resulting in lower volatility compared to traditional markets, yet still subject to changes in market conditions.


Regulation and audits
Audited

Vinovest is audited annually by insurers and an independent auditor but is not SEC-regulated as it does not deal in securities.

Regulation and audits
Not Regulated

Wine investment is not regulated by financial authorities such as the Financial Conduct Authority or the Securities Commission.


Insurance
Yes

Vinovest insures client assets against damage, with reimbursement at full market value, although not all loss scenarios may be covered.

Insurance
Yes

Cult Wine Investment's stored wines are fully insured against physical loss or damage, kept in a secure facility near London.


Payouts
No Recurring Payouts

Vinovest's returns come from asset appreciation, not dividends.

Payouts
No Recurring Payouts

Cult Wine Investment does not offer dividends.


Extra Fees
Yes

Vinovest charges tiered management fees: 2.5% (Standard), 2.35% (Plus), 2.15% (Premier), and 1.90% (Grand Cru), applied only on invested capital. A 1.5% selling fee is incurred upon sale, with free listing.

Extra Fees
No

Cult Wine Investment charges an annual fee based on the investment tier, with the Premier Cru tier at 2.75%, Grand Cru at 2.50%, Cult Cru at 2.25%, and Black Tier at 2%. Fees are divided into monthly payments calculated from the portfolio's end-of-month value, rather than an annual lump sum.


Taxes
Annual Statement

Wine gains taxation through Vinovest depends on location: taxed as collectibles in the U.S., often exempt in the U.K., with similar exemptions in other countries. Vinovest provides monthly and annual statements for tax reporting, not 1099 forms.

Taxes
Annual Statement

Cult Wine Investment assists with tax documentation upon request or through a Relationship Manager for higher-tier investors.

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