As we briefly noted earlier, all Swaper loans come with a fixed annual return of 12%, which is huge. However, if you are prepared to invest at least €5,000 for 3 months or more, then you will benefit from a 2% boost. This takes your annual return to an even more impressive 14%. This means that by investing the maximum amount of €10,000 over the course of 12 months, your 14% returns would yield €1,400 in interest.