Exo Investing Blog

Launch of Exo Investing is a major breakthrough for private investors

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London, April 28th 2018 — Revolutionary digital wealth manager — ‘Exo Investing’ — launches today to give private investors access, for the first time, to sophisticated AI powered investment technology that until now has been the preserve of institutional and ultra HNW clients, for a low online fee.

Acting as an expert ‘investment co-pilot’, Exo turns the traditional model of static products and predefined portfolios on its head, instead using AI to build investors a personal ETF portfolio around their own preferences. Machine learning algorithms then monitor each portfolio daily, continuously recalibrating to both the individual’s risk appetite and market conditions to manage each client’s risk.

Exo has been developed in partnership with leading quantitative asset manager ETS Asset Management Factory and key figures in institutional risk control, including the former heads of Compagnie de Benjamin Rothschild.

Unlike other digital wealth management platforms, there are no predefined portfolios at Exo — each investor gets a truly personal portfolio, chosen from a universe of over 500 low cost ETFs and based on their individual risk appetite, investment objectives, and any preferences they have as to sectors, regions and asset classes.

Each portfolio is built individually by AI powered risk management technology, using quantitative management techniques and machine learning algorithms perfected over 30 years* for institutional investors and HNW clients of private banks.

Once their portfolio is built, each investor will enjoy the peace of mind of knowing that as market and economic conditions change, fund performance varies and fund charges change, the Exo co-pilot is seeing it all 24/7. Exo’s machine learning algorithms, honed over 30 years, anticipate and monitor market volatility, optimising each portfolio to continuously align with both market conditions and investor’s individual risk profiles for a far smoother investment journey.

Investors are free to make changes to their risk profile or portfolio composition at any time. Exo will instantly recalibrate their portfolio, at no additional cost.

Lennart Asshoff, CEO of Exo Investing said, “This level of individually tailored portfolio and risk management has never been available to the private investor before. Exo is all about democratising access to sophisticated investment technology, using the latest advances in AI and risk management technology to break down the barriers to wealth and open the door to a new category of investing for as many people as possible. We want to revolutionise investing, making personalised investing available at scale.

“Our individualised service, made possible by the application of AI, is essential to managing each portfolio effectively. By taking into account each client’s specific circumstances — such as their investment objectives and point of entry into the market — we can optimise their allocation more effectively, exposing their portfolio to riskier assets in calmer markets and safer havens in volatile markets, maintaining their risk level and maximising the potential of each client’s investment.’’

Exo is ideal for investors who want to take control but don’t have the time to execute and manage their portfolios. It enables the investor to choose the sectors, regions and asset classes that support their ideas, simplifying the fund selection process.

Exo is equally appropriate for investors who don’t have views on where to invest, but want to be sure they have a portfolio built specifically for them that reflects their individual risk appetite and objectives, and that is continuously monitored and adjusted as market changes require.

The minimum investment at Exo is £10,000. Charges are simple and low — just an annual fee of 0.75% on investments up to £100,000 and 0.5% on larger amounts. The only other charge is the annual fee within the ETFs chosen, on average 0.25%. There are no other additional charges, for trading, making withdrawals etc.

From launch, an ISA wrapper is available, enabling some or all of a user’s portfolio to be sheltered from tax. This will be followed later by the launch of a SIPP wrapper.

Exo Investing is a trading name of Finhub Technologies Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA).