FinMarie combines financial coaching with an
online investment platform to help you to make the
right investment decision based
on customized financial concepts.
Passive Index Funds
We invest in a diversified global market portfolio of passive Exchange Traded Funds (ETFs) that are traded on the stock market. ETFs are a form of passive investment. This means they track a specific market (like the DAX or Dow Jones) and try to replicate its performance by purchasing shares in the companies inside that market. We use low-cost, high quality and natively diversified ETFs to build investment portfolio. Your portfolio is represented by a mix of asset classes (equities, bonds, etc.) covering several geographical areas (Germany, Europe, US, emerging markets, etc) and sectors (banking, healthcare, energy, etc.)
Why does FinMarie use ETFs?
ETFs have low management fees and low minimum investment levels, making them an efficient way to invest.
ETFs offer full transparency of the assets that make up a fund, so we know exactly what you’re getting.
FinMarie is working closely together with its cooperation partner – growney.
growney is an award-winning robo-advisory platform.
The company is headquartered in Berlin and offers goal-oriented investment ETFs portfolio based on
individuals’ personal risk preference.
growney stands for a simple, clear and easy to understand investment process.
With no minimum rate of savings, the platform gives investors the opportunity
to invest cost-effectively in a diversified world market portfolio.
You can choose between five different investment strategies.
Which of them suits you best depends on many factors. Every woman is individual, has different savings goals and a personal risk appetite. Based on your attitude to risk you will receive an individual profile.
Each of portfolios is risk-adjusted for a certain profile.The portfolio is based on the time horizon and your preferences.
The investment strategies consist of stocks and bonds. Because bonds are fundamentally more stable than stocks, you can decide how much risk you want to take with your investment. A higher proportion of shares means a greater risk of loss. But also: A higher return on your investments.
You can create as many investment strategies as you like. For example, one for each of your goals. This gives you the opportunity to spread the risk on your total investment.
We constantly monitor your portfolios, tracking the performance against the goals of your profile to ensure they stay on track, so you can live the life.
The investment is long-term oriented, because wealth can best be built up if you save on a regular, long-term and goal-focused basis. If you do not reach your target amount for the desired term, that’s not a problem. FinMarie supports you with precise suggestions on how to reach your goal (daily monitoring, automatic rebalancing, automatic portfolio adjustment).
It has been scientifically proven that a broad diversification, for example, the distribution of an investment across different asset classes and markets, leads to lower risk with the same expected return. Random over- and under-returns, such as those that occur when investing in individual stocks, are compensated for by the widest possible spread across many sectors and economic areas.
So your money is spread across different industries and two different asset classes worldwide: Stocks and bonds. In total, more than 2,400 shares are being invested in 45 countries; the bond funds are investing in high-quality corporate and government bonds from the eurozone. What does that mean?
With this type of diversification you are independent of the development of individual companies, countries and industries and you can benefit from the long-term high returns of the capital markets. The selection of passive index funds is neutral, based on scientific evidence and is completely independent of fund providers.
It is of highest importance to us that your money is safe!
That’s why you will get your own depot at Sutor Bank for each of your investment objectives. You are the only one who has access to this depot. FinMarie and the Sutor Bank may not have access to it at any time.
Even in the unlikely event of bankruptcy of our partner bank, your investment (unlimited amount) is protected against any outside access as a special fund.
Together with our partner growney and latest technology, we ensure that your data and money is safely stored and that you are in control of your depot and your account at all times. Our system keeps you up to date on any activities and transactions related to your accounts. It’s easy, comfortable and, above all, safe.