A Personalized Portfolio
We’ll help you build the most suitable portfolio for you and your financial goals
A proven investment strategy
A passive investment strategy trumps active stock picking 99 times out of 100. The right mix of asset classes offers crucial diversification across a variety of market conditions, and reducing correlations between asset classes ultimately helps drive an investor’s risk-adjusted returns.


With diversified assets
In a growing economic environment, earnings and profits grow and the shares of companies tend to do well. When investors are risk averse, they tend to allocate to bonds given their fixed payments and limited expected downside. These fundamentally different economic streams of returns means that historically, these asset classes have been suitable for diversification.
And reduced risk
Our academic advisors and research have helped us to develop a re-balancing methodology that allows our investors to see results whilst minimizing risk through readjusting their asset allocation weightings.

Fair, transparent pricing
Our technology and streamlined processes enable us to offer simple, honest prices – and we’re extremely proud of them.
0.48% + TER (or less)
Invest with us and you’ll save thousands over the course of your lifetime by paying a mere fraction of what our competitors and traditional advisors charge. You’ll also never pay any account opening, withdrawal, trading or exit fees. Your Total Expense Ratio (TER) refers to the total ETF issuer costs across your portfolio. The average TER of ETFs in our portfolios is 0.12%.
Accounts to suit your goals
GIA
The General Investment Account is our most popular account. One must be over 18 years old to create one, and may be liable to income and capital gains tax on any growth in his/her portfolio.
ISA
An Individual Savings Account for UK tax payers that enables the holder to invest up to a certain amount without having to pay any income tax or capital gains tax on returns. This year’s allowance is £20,000.
JISA
Our Junior Individual Savings Account enables friends and family to contribute up to £4,260 towards your child’s portfolio, without having to pay the tax man. To sweeten the deal our JISA’s go management fee free.
CORPORATE
Are you representing a Multi Family Office or small to medium sized business and investigating liability driven Treasury Management solutions? We’ve got the proposition and account structure for you, so contact us today!

Your investments are safe with us
We take security and privacy very seriously. Rest assured that we are committed to protecting your investments and upholding the highest security standards possible.
Secure
We use 128 AES encryption and two factor authentication to secure transactions. Beyond browser access we offer iPhone, Android and Windows applications with fingerprint and facial recognition authentication.
Authorised and Regulated
We are regulated by the FCA. Every effort has been made to keep your investments secure, including daily reporting, auditing, insurance, FSCS coverage and partnerships with financial institutions so your investments are protected.
Transparent
We publish details about our investment approach for peer review and explain clearly the terms of our service because we are proud to work for our customers.

Out with the old. In with the new.
In 2013, we became tired of waiting for someone else to offer the investment approach and experience we had long been awaiting. A platform to deliver bespoke portfolios around Europe could be built, because we had just tested our first working prototype.
Since that summer, our mission has been to build a company that enables anyone to easily convert their savings into diversified investments.
Today, we are available in 32 countries, working with some of the best ETFs in the world and depositing investments in leading financial institutions. Having had removed layers of unnecessary intermediaries, we can offer a transparent end to end service at a fraction of the costs to incumbents. No longer must investors suffer from the ridiculous fees and conflicts of interest associated with traditional wealth management options.
We now are the most downloaded Robo-Advisor App in Europe and have also started offering services to other companies. Perhaps the time has come for you to start a simulation or open a real-money account in Pounds, Euros or Dollars?
We hope to meet you soon!
Management Team

Sweden
20 years experience in Internet & Finance operations. MSc Computer Science from KTH Royal Institute of Technology (Sweden) and MBA from INSEAD (Singapore & France). Chartered MSCI with a Level 4 Certificate in Investment Management and Level 3 Certificate in Investment Operations.
Johan Hellman
CEO | Director | Board member

Germany
Previously Head of Customer Service at the Royal Bank of Scotland, Manager of the Customer Service Competence Center at Santander Bank. BCom in Business Administration from VWA München (Germany); CISI Investment Advice certificate in UK Regulation & Professional Integrity; Level 3 Certificate in Investment Operations.
Stefanie zu Dohna
COO | Director

Spain/UK
15 years experience in business planning, strategy and regulation as Senior Manager at Telefonica. BA (Hons.) in Economics from the University of Manchester, MSc in European Policy-Making from the London School of Economics and an Executive MBA from IE Business School. Professor of Business Management Studies at the Universidad Europea de Madrid.
Matthew Good
CFO | Compliance | Investments

New Zealand
5 years experience in tech startups. Formerly: US Country Manager at 'We Are Knitters,' Founder/CEO of 'Sort a Shop' incubated by I.E. LLB.Bcom in Economics from The University of Otago (New Zealand). University Law Scholar (Russell McVeagh). Enrolled Barrister and Solicitor of the High Court of NZ.
Tom Stevens
CCO | Partnerships | Legal

India
13+ years of IT experience in various technologies and functional domains. Extensive experience in Research and Development, Strategic Planning, designing and building device interfaces for web / mobile Applications. Sughosh holds a Masters in Computers Application degree from Pune University (India)
Sughush Kuntal
CTO

South Africa
20+ years in senior software development roles primarily across aviation, healthcare and finance sectors. Former IT consultant (Charles Marcus Consulting Group) IT Business Analyst (Virgin Australia, Dialog, Dariel, Qualica Technologies). BSc in Engineering, Diploma in Business Analysis and CBAP Certified.
Brett Arthur
Project Manager
Non-Executive Advisory Board

Spain
Luis is an Entrepreneur and Investor with a background in Management Consulting. BCom in International Business from McGill (Canada), Copenhagen Business School (Denmark) & ICADE (Spain), MBA INSEAD (France). CISI Investment Advice certificate in UK Regulation & Professional Integrity.
Luis Rivera
Entrepreneurship

Spain
15+ years with UBS in a number of roles in the Wealth Management and Investment Banking Divisions, before moving to venture capital. He is a Fintech venture partner at Curve Capital and part of the Kontxters angel group. BCom in Business from ICADE (Spain)
Juan Luis Bellon
Wealth Management

Spain
Former Director at Google (Apps & Mobile Innovation), CEO at Telecinco.es & MiCartera Media, Founder & MD at Netjuice, Management Consultant at McKinsey & Co. Member of the Advisory Board and Founder at Ashoka Spain. BCom in Business and Law from ICADE (Spain). MBA INSEAD (France).
Jose María García
Marketing & Product
Operations

Spain
Former Investment Management intern at Mutuactivos and Private Banking Intern Grupo Financiero Actinver. Bcom in Finance Universidad Iberoamericana (Mexico). Diploma in Money and Banking Warwick University (United Kingdom). Diploma in Macro/micro Economy and Marketing Fundamentals Boston University (Massachusetts)
Ana Quintanal
Customer Service | Investments

Spain
15+ years experience in banking and finance. Former Senior Director at Aquasphere Management, Senior Manager at Arboribus, Consultant to Multi-Family Office, Analyst at Banco Gallego. Bachelor's degree in Business Administration from Universidad de Autónoma (Spain), Executive MBA from ICADE.
Yago Gonzáles de Castejón
Customer Service | Operations

Spain
15+ years in finance sector. BCom in business from ICADE (Spain).
Mar Ortega Gayoso
Customer Service | Operations
Our talented Techies

Spain
14+ years in the IT industry working as a full stack developer. Former companies include: Tectonica, Jooicer, Emred, Telecinco. BSc in Compuer Science from the University of Alicante (Spain). Fluent in Spanish, English PHP and Javascript
Fernando Robledo
Senior Developer

India
9 years of professional experience in development of Web applications using web Client (LAMP) in OOP Methodology. Assigned to projects in various countries incl. USA, Japan, Mauritius, Spain. Previous roles include Software Engineer, Senior consultant, Module lead.
Ajit Chavhan
Developer

India
Sagar is Systems Administrator having more than 5 years of experience on various platforms like Windows, Linux, Unix and cloud platforms like AWS, Azure, GCP. He holds global certifications from Microsoft and Red Hat and is an Open Source enthusiast.
Sagar Tambe
Systems Administrator

India
4+ years of experience as a Software Test Engineer with extensive experience in manual and automated testing of various applications on different platforms. Solid understanding of testing tools like Postman, Selenium web driver, Katalon and JMeter.
Rohan Ghatage
Quality Assurance

India
14+ years of IT experience as a Full stack developer. Holds a Masters in Computers Application degree from North Maharashtra University (India). Well skilled in various Open Source CRM and CMS systems. Microsoft Certified in developing "ASP.NET MVC Web Applications" and "mcad.net windows-based applications".
Virendra Sonawane
Senior Developer

India
4+ years of experience as a Software Engineer. Good experience in Android, Kotlin, php and AngularJS.