Open your account and verify
Sign up by email in the app and complete identity verification (KYC) through our verification partner. Companies complete business verification (KYB). Verification is fully digital.
How it works
Simple to start.
Disciplined from there.
You open your account in the app, with no branch visit. After that, managing your portfolio is our job, every day.
The four steps
From sign-up to managed portfolio.
Find your risk profile
A short suitability questionnaire, required by law, assesses your knowledge, goals, time horizon and tolerance for risk, and places you on a scale from 1 to 7. We then offer only the services that fit your profile. Alpha, for example, is open only to profiles 6 and 7. We repeat the questionnaire once a year, and whenever you want to change your profile.
Choose and sign
Choose a service that fits your profile: Portfolio Management with Smart Beta (from €20,000) or Alpha (from €70,000), an INR (from €500), or Company Cash (from €20,000). Review the terms and costs, and sign your agreement in the app with a digital signature.
We manage; you track
Fund your account by bank transfer. We rebalance Smart Beta portfolios every quarter, or sooner if the allocation drifts noticeably from your profile's ranges, and rebalance Alpha portfolios every month. If tax is due when you withdraw from an INR, we calculate and pay it for you. You receive a report on your portfolio, costs and returns every month, and you can see your position in the app at any time. Your portfolio can fall in value, and you may get back less than you invested.
- TransparencyYou see what your money is invested in and what you pay for management.
- No trading costsWithin your portfolio, we cover them.
- A real person when you want oneCall, email or request a meeting. Luka Gubo, our director, answers questions about your portfolio, and Rok Pirnat Živec handles operational and support questions. We usually reply the same working day.
- When markets fallWe don't sell your portfolio because of a fall, and we don't change your risk profile because markets have fallen. 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 didn't do.
- Taking money outYou 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.
- Who decidesLuka Gubo, our director, is responsible for the investment process. The management board approves the investment policy and every rule change, and Martin Miklič, who heads risk management, checks that the risk limits are kept.
- ATVP-licensedLicensed by the ATVP, decision no. 40210-2/2022-13 of 7 April 2022. You can check our entry in the ATVP register.
- Segregated custodyYour 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.
Capital at risk. Investing involves risk: the value of investments can go down as well as up, and you may get back less than you invested. Past performance and any simulated/back-tested performance are not reliable indicators of future results. Tax treatment depends on individual circumstances and current law, both of which can change. 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.