Straight answers.

Your assets are protected if the firm gets into trouble. There is no protection against market falls. Client assets are kept separate from the firm's own, and the statutory investor-compensation scheme covers up to €22,000 per investor if the firm fails to return your assets. We are licensed and supervised by the ATVP.

Yes. The value of your investments can fall and you may get back less than you put in. Conservative profiles usually swing less, dynamic ones more, and the Alpha strategy can see deeper falls. The suitability questionnaire sets the risk profile that fits you.

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. If the firm stopped operating, your assets would remain yours. The statutory investor-compensation scheme covers up to €22,000 per investor if the firm fails to return your assets. Neither protection covers investment losses.

For Portfolio Management you pay three fees. The management fee is 0.7% + VAT a year (Smart Beta) or 1.3% + VAT a year (Alpha). The custody fee is 0.2% a year. The performance fee is 10% (Smart Beta) or 20% (Alpha) + VAT of gains above the high-water mark. A high-water mark means you pay it only on new gains, above the highest value your portfolio has previously reached; we calculate it on the gain after management and custody fees. The ETFs in the portfolio have their own costs, on average less than 0.20% a year (0.05% to 0.45% for individual funds). Each fund deducts them from its own value; they are not our income. In the Alpha strategy only the bond ETFs carry these costs; individual stocks carry no fund costs. The INR has the same fee components as Smart Beta. For Company Cash our fee is 0.2% a year, and it is the only fee; the money-market funds have their own costs. We charge no trading costs. Every item is in the fee schedule on the Legal page, and you get them again in a written cost disclosure before you sign.

Smart Beta from €20,000, Alpha from €70,000 (risk profiles 6 and 7 only), the INR from €500, and Company Cash from €20,000. A suitability questionnaire confirms whether a service fits you before you sign.

You request a withdrawal in the app, at any time. We sell the investments and pay the money into your bank account, usually within a few days. We charge nothing for a withdrawal. If you withdraw the whole portfolio, we charge the pro-rata part of the monthly management fee and any performance fee due. We pay out cash; we do not transfer securities to another provider. The INR has its own withdrawal and tax rules, set out on the INR page.

We follow rules we set in advance, and we don't sell your portfolio because of a fall. We bring Smart Beta portfolios back to their target weights every quarter, or sooner if they drift further from the ranges of your profile. After a fall in equities, that usually means selling some bonds and buying equities. The Alpha model rebalances every month. The rules do not prevent losses. We don't change your risk profile because markets have fallen. We repeat the suitability questionnaire once a year, and whenever you want to change your profile. If your portfolio's value falls by 10% or more since the last report, we tell you, as the law requires, and explain in writing what we did and what we did not do.

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.

You receive a report on your portfolio, costs and returns every month, and you can see your position in the app at any time.

Banks are good at many things, but their investment management is often built around their own funds. We don't run our own funds, we charge no trading costs, our fees are published, and managed portfolios start at €20,000.

Doing it yourself means you handle selection, diversification, rebalancing, tax, the rules, and your own emotions, which are the biggest threat to returns. We bring a disciplined, diversified, tax-aware process, we make decisions by rules set in advance, and we save you time. We can't remove behavioural mistakes for you, but we can reduce the chances of making them.

Smart Beta is a diversified, low-cost strategy built from ETFs. It tilts toward return factors backed by decades of research, such as the value and quality factors. None of them works every year. It is available across all risk profiles, from €20,000. Alpha actively selects individual global stocks with the aim of beating the market. Because the portfolio is concentrated and includes smaller companies, it swings more and can fall further. It is available only for risk profiles 6 and 7, from €70,000.

Any individual who is a Slovenian tax resident, and you can hold only one INR. The INR is built for long-term saving. The INR page sets out the contribution limits and tax rules.

No. We invest the money in money-market ETFs. The aim is a return that follows money-market interest rates and is higher than on a near-0% current account, while the money stays available. Low risk is not no risk: the value of the fund can also fall, and the investment is not a bank deposit, so the deposit guarantee does not cover it. We recommend the service only if it fits the company's liquidity needs.

You can make a complaint by post, by email, by phone or in person. For complaints by email, write to podpora@jonatanmarsinvest.com. You receive a written decision within 30 days at the latest. If you are not satisfied with it, as a consumer you can turn to the European Centre for Dispute Resolution (ECDR), Tomšičeva ulica 6, Ljubljana. You can also complain to the ATVP.