FAQ
Straight answers.
Safety, fees, minimums, withdrawals, tax, and how we differ from a bank or doing it yourself.
Your assets are held in segregated accounts at our custodian, separate from the firm and protected from its creditors, and you're covered by the statutory investor-compensation scheme up to €22,000. We're licensed and supervised by the ATVP. None of that removes investment risk — markets can fall — but it does mean your assets are held safely and independently.
It depends on the service. Portfolio Management is 0.7% + VAT (Smart Beta) or 1.3% + VAT (Alpha) per year, plus 0.2% custody, plus a performance fee (10% / 20% of positive return). We cover all trading costs. Every fee is disclosed before you invest. See the product pages for detail.
Smart Beta from €20,000; Alpha from €70,000 (and only for higher risk profiles). For the INR and Company Cash, let's talk — we'll explain what fits.
You can request a withdrawal at any time; withdrawals are processed after back-office approval, and funds return to your account. We'll always walk you through timing for your specific holdings. (Note: the INR has its own rules on withdrawals and their tax effect — see the INR page.)
Banks tend to sell their own products, charge for trades, and reserve genuinely managed portfolios for large private-banking clients. We're independent (no product shelf to push), we cover trading costs, we're transparent on fees, and we make disciplined management accessible without a huge minimum.
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 and remove the behavioural mistakes — so you get your time back, too.
Smart Beta is an efficient, low-cost, ETF-based strategy that tilts toward proven return factors — available across all risk profiles, from €20,000. Alpha is an active, machine-learning-driven strategy that selects individual global stocks aiming to outperform — higher minimum (€70,000), higher risk, profiles 6–7 only.
Any individual who is a Slovenian tax resident, and you can hold only one INR. It's a long-term, tax-advantaged account — see the INR page for limits and tax details.
No. It's a low-risk managed investment in money-market instruments, not a guaranteed bank deposit, and the yield moves with interest rates. It's designed to do better than a near-0% current account while staying liquid — but it carries investment risk, and we'll only recommend it where it fits your needs.
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.