Finhorizon AG

finhorizon’s portal translates complex investment research results to intuitive decision indicators. This novel approach allows all investors to easily find assets that exactly match their risk tolerance and return goals out of all instruments world-wide. They can automatically compile and manage their own optimal personalized portfolios.

Customer Profile
Main customers are mass affluent investors, being disconnected from investment advice due to new regulations and cost issues of financial services , looking for individualized investment information and portfolio optimization solutions.

Market Potential
At least 349 million mass affluent investors owning 98.5 trillion USD net assets in total and 29 million high net worth individuals with personal net assets between 1-5mio USD. (Source: Credit Suisse, 2015, Global Wealth Report 2015)

Competitors
The US is likely the most developed market in terms of automated advice offerings, but there is plenty of evidence that interest is strong and growing in Europe and all markets worldwide. In Europe no market leader has been established yet. Robo-advisors, such as Betterment, Personal Capital, Wealthfront and others generally offer investors only standardized portfolios, using index funds and low-fee exchange-traded funds, but no completely personalized portfolio management.

Business Model
We charge a very competitive asset under management fee. Further optional revenue streams are advertising and license fees for white labelled products. We work with several global and local banks and service providers who deliver backbone services.