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Dear community,
This time I’m addressing you from a very small beach town in Northern Perú.
Earlier this month, I was invited to Lima by the Swiss Entrepreneurship Program, Swiss Contact, and the Universidad de Piura (UDEP) to wrap up a collaboration during which I helped them support local cleantech startups and learn about the Peruvian entrepreneurial ecosystem. There, I discovered a very active impact community, from non-profits to investment funds, startups and accelerators. And as a result, I’m bringing back a bag full of opportunities to share with you this year.
But here, hundreds of kilometres from Lima, the picture is very different. As I look above my laptop, I can count at least 17 oil rigs in the ocean in front of me. The inland is full of oil wells, too. The sun even sets behind one of those, on top of a small hill, a vision I never thought I would consider beautiful.
That beauty comes with a hard contrast. Oil is still at the centre of the local economy here, yet the benefits don’t always translate into better living conditions for the people who call this place home. The town relies mostly on tourism, surf, and the services around them.
Yet people seem happy, and there’s a strong sense of community here. Life moves at a different pace and, for me, being several hours behind Europe makes afternoons a surprisingly good window to get work done.
That change of rhythm also invites you to be present and think clearly. I have used a lot of that headspace to reflect on Goparity and to consolidate what we learnt over the last year. In this letter, I want to share the strategic pillars guiding us through 2026.
Before I move on, I want to preface by saying that our thoughts at Goparity are with those affected by the unfortunate events of the beginning of the year: the railway accidents in Spain, the extreme weather in Portugal, the New Year’s Eve tragedy in the Alps, and, of course, the many conflicts (recent and past) in different parts of the world.
All-in on diversification
Diversification should be the cornerstone of every investment strategy, the guiding principle. It is the safest way to ensure you get a decent return on your investments, especially if you keep investing consistently and compound (reinvesting the interest you earn and the principal you get paid back).
When you don’t diversify, you’re relying on a single outcome. And that’s a risky place to be. So, before sending this email, I decided to dig deeper and share some real figures. I asked our Dev team to randomly pick 3 investors with at least 5.000€ invested, 20+ projects, and a habit of reinvesting their repayments (principal, or principal plus interest). Here’s what we found out:
These real-life examples of well-diversified investment portfolios - earning interest, paying tax on income and with a few loans in arrears - are achieving solid returns on their investments while generating a very significant impact in companies that want to do things the best way.
This is how we’ll promote diversification to our community:
- We’ll make diversification the default by encouraging investment strategies instead of one-off investments.
- We’ll launch our first projects in Southeast Asia, adding timely geographic diversification given today’s geopolitical context.
- We’ll share richer portfolio insights, as - with diversification - we expect investors’ portfolios to progressively resemble our overall portfolio.
Take your first step towards diversification: activate auto investment. Set your criteria based on your preferences, and we’ll place investments on your behalf as new projects go live. You can still cancel investments up to 4 days after they are made. Learn more here.
"Skin in the game"
Did you know that at Goparity, we also invest in all the projects we launch? We don’t invest as a company – it’s not allowed by our regulation – but we do individually with auto-investment. It’s the only way to avoid conflict of interest and the best way to diversify.
The sustainable investment “one-stop-shop”: equity investments are coming
When we launched Goparity we set out to change how money is used: helping anyone earn a decent return, while funding positive impact. That vision always went beyond loans, but we chose to consolidate that model first.
With the acquisition of La Bolsa Social, we’ve welcomed 12.000+ new investors and gained the licence to offer equity investments.
One year ago, I asked our community what we should build next: Equity ranked in the top three - so now it’s time to get it done.
Equity is different from debt. You’re buying shares in a company, and returns, if they come, usually take longer. They typically come through an acquisition (the company or your shares being bought), an IPO (the company being listed on a stock market), or dividends (profits distributed to shareholders). It also carries a higher risk, including the possibility of losing part or all your investment.
When you invest in equity, you’re investing in the founders, the team, the market they operate in, and in their capacity to deliver the plan they’re proposing.
We’re committed to bringing you exciting, impact driven opportunities, supported by the needed information to make well informed decisions. You’ll often be investing alongside professional investors in companies with impact embedded in their business model.
About the past months
There’s been a few ups and downs to the end of 2025 and the start of 2026 that I want to transparently share with you, as usual.
Recent authentication issues
In January and February, some investors experienced technical issues related to the rollout of Strong Customer Authentication (SCA), required under PSD2, the European payments Directive. This caused understandable frustration and, in some cases, took longer to resolve than expected. We’ve been working hard on this and staying closely engaged with Mangopay, our payment service provider, to push for a swift resolution for the remaining cases.
Supporting promoters impacted by the storms in Portugal
Af few of our promoters in Portugal were hit hard by the recent storms. We’ve been working closely with each of them to ease pressure in the short term by introducing temporary capital grace periods when needed and suspending late payment penalties until public support or insurance payments come through.
Happy place to work
At Goparity, we have always cared for having HR policies that are coherent with the type of organisation we are. We chose to apply for the HappyAtWork® certification that is based exclusively on the opinions of the people working in a company and achieved the Platinum rating, the highest possible result. Still, as with any other certification process, we've identified improvement opportunities, and we’ll continue addressing them.
Technical issues from our update
Following last week’s scheduled maintenance to strengthen our server capacity and prepare the platform for future growth, we experienced some disruptions and we sincerely apologise for the inconvenience this has caused. Our development team has been working continuously to identify and resolve these problems as quickly as possible. Thank you for your patience, understanding, and continued trust in Goparity.
Coming up
♻️ More circular economy: New investment opportunity: Candam - a Barcelona-based company redefining what recycling can look like in modern cities.
📲 Equity: We are launching equity investment on the platform, giving our community access to long-term value creation alongside impact-driven companies.
🌏 New geographies: First project in Southeast Asia, marking a new chapter in our international growth strategy and expanding our global impact footprint.
📊 Impact Framework revision: We are advancing toward an independent review of our Impact Framework, reinforcing our commitment to transparency, measurable outcomes, and accountability in how we assess and communicate impact.
📖 Impact Report: Work has officially begun on our Impact Report, where we will share detailed insights into our social, environmental, and financial performance, highlighting the real outcomes generated by our community.
🤝 Special campaign: We’re preparing a renewed referral program with updated rewards for those who bring new members to our community.
🙋♂️ The question
Equity investments will be live on Goparity soon. Before we launch, I’d love to hear from you: Have you invested in equity before? And what would you like to understand better before doing so with Goparity? In which sectors would you prefer to invest in equity - Cleantech, Climatetech, Femtech, Biotech, or Social Impact? Your answers will shape our first equity webinar with our Head of Equity, Marta Abbad.
👉 Help us shape our equity webinar Answer here (multiple choice)
If you believe in what we’re building at Goparity, please share your experience. Your feedback not only helps us improve, but also helps more people discover impact investing.
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