Rules set in advance
We bring Smart Beta portfolios back to their target weights every quarter, or sooner if they drift further from the ranges of your profile. We don't change the rules because markets fall or the news gets loud.
About
An independent firm,
built to manage money properly.
JonatanMars Invest is an independent investment firm, licensed and supervised by Slovenia's Securities Market Agency (ATVP). We manage money for individuals and companies. The aim is a good return for the level of risk each client chooses. Nobody can guarantee that, including us. So before you sign, we show you the fees, the rules and the risks, and after you sign you have an advisor you can call.
ATVP licence, decision no. 40210-2/2022-13 of 7 April 2022. You can check our entry in the ATVP register.
About the firm
Who we are.
JonatanMars Invest, borznoposredniška družba d.o.o. has been licensed by the ATVP since April 2022. Our audited annual reports are published on the Legal page. We built our app and our operating processes ourselves.
For managing your portfolio, you pay the fees published on each service page. For bonds from other issuers offered in the app, the issuer pays us a placement fee.
How we work
Four rules we work by.
Fees are published
Every fee is on the service pages. You get them again in a written cost disclosure before you sign, and in every monthly report after that.
A low entry point
You shouldn't need €500,000 and a private banker to get a carefully managed portfolio. Smart Beta starts at €20,000 and the INR at €500.
An advisor who answers
The app shows your holdings, transactions and fees. When you have a question, you write to or call your advisor, who knows your portfolio. We usually reply the same working day.
What we don't do
We don't forecast where markets will go, and we don't change your portfolio because of headlines. We don't run our own funds. We don't charge trading costs. We don't use leverage in client portfolios, and we don't lend out your securities. We don't pay staff according to sales volume. We don't promise returns.
Your assets are not on our balance sheet.
Our approach in brief
We build Smart Beta portfolios from ETFs and tilt them toward company traits that decades of academic research link to higher long-term returns, such as low valuations and strong profitability. These traits are known as factors, and none of them works every year. In the Alpha strategy we pick individual stocks by quantitative rules. You receive a report on your portfolio, costs and returns every month, and you can see your position in the app at any time.
Where your money is. Your assets are not on the firm's balance sheet. Client cash is held in fiduciary accounts at a bank, and securities are held by regulated custodians in a pooled client account, separate from the firm's assets; our records show what belongs to whom. The firm's creditors cannot reach these assets. The statutory investor-compensation scheme covers up to €22,000 per investor if the firm fails to return your assets. It does not cover investment losses.
The team
Who does what.
When you call, you reach the people who run the firm.
Executive Director, co-owner
Luka Gubo
He sets the firm's strategy: which services we offer, to whom and on what terms. Your money is managed by written rules, not by mood: the investment process rests on factors and data. You can read why he decides the way he does in the articles and the guide he writes.
Chief Financial Officer, co-owner
Luka Praper, CFA
An investment firm is regulated almost as strictly as a bank, and he makes sure the firm's capital, governance, reporting and whole structure do not merely meet that standard but hold it. For you this means every cost is in the price list, every monthly report is right and withdrawals usually reach your account within a few days.
Legal and Regulatory, co-owner
Matic Nedog
The firm operates under an ATVP licence, and he is the one who makes sure it earns that licence every day: he writes and updates the firm's policies, tracks changes in the law and translates them into how we handle your money. The contract you sign, and the rights you hold under it, are his work.
Client Service
Rok Pirnat Živec
When something does not work or is unclear, you write to a person who knows your case and usually replies the same working day, not to an anonymous inbox. From the first conversation to signature, he leads you so you never have to guess what comes next. He also runs the firm's anti-money-laundering checks day to day, which is why onboarding is thorough and still fast.
Risk Management
Martin Miklič
A regulated firm must measure, limit and report its risks on the same principles as a bank, and that system is his responsibility. Someone who took no part in the decision stands over your portfolio: he checks independently that it stays within the agreed limits and reports to the management board and the supervisory board, not to the manager.
Compliance
Compliance function
Compliance is separate from investment management. It reports to the management board, and once a year directly to the supervisory board.
Oversight
Who oversees us.
Luka Gubo, our director, is responsible for the investment process. The management board approves the investment policy and every rule change. Martin Miklič, who heads risk management, makes no investment decisions and does not trade; he checks and reports on whether the risk limits are kept, as the law requires. Risk management, compliance and internal audit report to the management board, and once a year directly to the supervisory board.
A three-member supervisory board oversees the management board: Peter Merc (chair), David Vegelj and Miha Lah. The annual reports are audited by an independent audit firm, RE-member d.o.o. As an investment firm, we are supervised by the ATVP.
Ownership and the JonatanMars name
The firm's owners are JonatanMars FINTECH, alternativni investicijski sklad, an alternative investment fund (77.2%); Gubo d.o.o. (Luka Gubo, 9.9%); Luka Praper (9.9%); and Matic Nedog (3%).
When you invest with us, your contract is with JonatanMars Invest, borznoposredniška družba d.o.o., the entity licensed and supervised by the ATVP.
JonatanMars Invest, borznoposredniška družba d.o.o. is an investment firm licensed and supervised by the Securities Market Agency of Slovenia (Agencija za trg vrednostnih papirjev, ATVP), authorised to provide portfolio management and related investment services. This website is a marketing communication. It is not investment advice, a personal recommendation, or an offer to enter into any contract. Detailed pre-contractual information is provided before any agreement is concluded.