Independent portfolio management
JonatanMars Invest is an independent investment firm, licensed and supervised by the Slovenian securities regulator (ATVP). We manage money for individuals and companies by written, research-based rules. Our fees are published, you follow your portfolio in the app, and you can call your advisor directly.
Intelligent investing, made human.
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.
Illustrative interface. The amounts are invented and do not show performance.
The problem we solve
Most people's money is either sitting in a bank account losing ground to inflation, scattered across a few funds a bank sold them, or riding on do-it-yourself decisions there never seems to be enough time for.
You don't need another app that turns investing into a second job, and you shouldn't need €500,000 and a private banker to get a portfolio managed properly. You need a disciplined process, run by people who do this for a living, who tell you exactly what they do and what it costs.
That is how JonatanMars Invest works.
How we're different
We invest by rules, you follow your portfolio in the app, and you have an advisor you know by name for your questions.
We invest by rules based on published academic research. We set the rules in advance and don't change them because markets are rising or falling. Luka 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.
In the mobile app you verify your identity, complete the suitability questionnaire, sign your agreement, and fund your account by bank transfer. After that, the app shows every holding, transaction, and fee. You can do all of it remotely, without paper forms.
Your advisor has a name. You can call, email, or meet at our Ljubljana office. When markets fall, your advisor is there to explain what it means for your portfolio.
What we offer
Professionally managed portfolios matched to your risk profile, through two strategies: Smart Beta (efficient, factor-based, built on ETFs) and Alpha (active, quantitative, individual global stocks). We cover all trading costs.
The Individual Investment Account (INR) is Slovenia's tax-advantaged account. With us you don't run it yourself: we manage it with the Smart Beta strategy. If tax is due when you withdraw, we calculate and pay it for you, so there is nothing to file. Tax rules can change.
Cash in a business current account usually earns close to nothing. We invest the surplus in money-market ETFs that stay liquid. Our fee is 0.2% a year. Low-risk, not no-risk: this is not a bank deposit, and the yield moves with interest rates.
How it works
Sign up in the app and complete identity verification (KYC) digitally.
A short suitability questionnaire places you on a risk scale of 1 to 7.
Pick the strategy or account that fits; sign your agreement in-app.
We invest and rebalance by rules. You follow everything in the app and in monthly reports.
Built on trust
Licensed by the ATVP, decision no. 40210-2/2022-13 of 7 April 2022. You can check our entry in the ATVP register.
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.
Statutory investor-compensation cover up to €22,000 per investor. It protects against the firm failing to return your assets, not against investment losses.
You receive a report on your portfolio, costs and returns every month, and you can see your position in the app at any time.
We set our rules on calm days, so we never have to invent them in a storm.
A calm word on risk
Investing means accepting risk; anyone who tells you otherwise is selling something. We never promise a return. We promise a disciplined process, honest communication, and a portfolio matched to how much risk is right for you.
Markets sometimes fall, and sometimes sharply. When they do, we follow rules we wrote in advance: we don't sell your portfolio because of a fall. When market moves push your equity and bond shares outside your profile's ranges, we bring them back at the next regular rebalancing. After a fall in equities, that usually means selling some bonds and buying equities. The rule does not prevent losses, but it keeps panic out of decisions about your money. 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.
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.
Let's talk
A free, no-obligation consultation of 20 minutes, led by Luka Gubo, our director. We listen, explain how we would approach your situation, and you decide whether it fits. If you tell us you're not interested, we won't contact you again.