Tetuan Valley Startup School 6 w0 - Spring 2012Luis Rivera
The document outlines the guidelines and schedule for the Tetuan Valley Startup School Spring 2012 program. It provides instructions for mandatory attendance, blog posts, weekly pitches and slides, homework assignments, and developing a final prototype. The six-week program covers topics like the way of startups, product building, financing, and critical failure factors. Students are expected to work on developing their business plan and prototype daily, with weekly feedback and a final presentation.
Tetuan Valley Startup School 6 w3 - Spring 2012Luis Rivera
This 3 week startup school in Tetuan Valley, Morocco in March 2012 focused on building products and gaining customer feedback. It emphasized the importance of continuous improvement through integration, source control, deployment scripts, alerts and analysis to ensure the product quality matches the strength of the community supporting it.
Curso para Business Angels en Internet - CEEIMLuis Rivera
Este documento presenta la agenda para la primera sesión de un curso sobre inversiones en empresas de Internet dirigido a Business Angels. La sesión cubrirá objetivos del curso, experiencia de los participantes, cómo se financian startups, cómo conectan emprendedores e inversores en España, información intercambiada en las negociaciones y cómo apoyar a startups invertidas.
Okuri Ventures & Tetuan Valley - Menciones en medios Enero 2012Luis Rivera
La Unión Europea ha acordado un embargo petrolero contra Rusia en respuesta a la invasión de Ucrania. El embargo prohibirá las importaciones marítimas de petróleo ruso a la UE y pondrá fin a las entregas a través de oleoductos dentro de seis meses. Esta medida forma parte de un sexto paquete de sanciones de la UE destinadas a aumentar la presión económica sobre Moscú y privar al Kremlin de fondos para financiar su guerra.
Fall 2012 week 2 Biz Models and MetricsTetuanValley
This document summarizes Week 2 of Startup School 7 held in Tetuan Valley in October 2012. It discusses business models, metrics, and how investors evaluate startups. Key points include the importance of demonstrating a big market need, a scalable solution, and a clear business model showing how the startup will generate revenue. It emphasizes starting experimentation and collecting metrics from customer acquisition and activation to measure product usage and retention.
Entrepreneurship rates have declined significantly in major economies since the recession began in 2006. The number of new business startups per capita fell over 30% on average across OECD countries between 2006 and 2009. However, some countries fared better than others, with the United States seeing a smaller decline compared to countries like Italy and Spain that saw startup rates plummet over 50% from pre-recession levels.
10 preguntas para decidir si constituir tu empresa debe esperarLuis Rivera
Este documento proporciona 10 preguntas para ayudar a los emprendedores a decidir si deben constituir formalmente su empresa o funcionar como autónomos. Algunas de las preguntas clave son si el proyecto tiene un plan de negocios claro, si se tienen clientes y facturas, y si el negocio está creciendo y contratando empleados. El documento recomienda constituir la empresa una vez se superen estos hitos para limitar riesgos legales y financieros.
Okuri Ventures & Tetuan Valley - Menciones en medios Jan2011Luis Rivera
La Unión Europea ha acordado un paquete de sanciones contra Rusia por su invasión de Ucrania. Las sanciones incluyen restricciones a las importaciones de productos rusos de alta tecnología y a las exportaciones de bienes de lujo a Rusia. Además, se congelarán los activos de varios oligarcas rusos y se prohibirá el acceso de los bancos rusos a los mercados financieros de la UE.
Tetuan Valley Startup School 6 w0 - Spring 2012Luis Rivera
The document outlines the guidelines and schedule for the Tetuan Valley Startup School Spring 2012 program. It provides instructions for mandatory attendance, blog posts, weekly pitches and slides, homework assignments, and developing a final prototype. The six-week program covers topics like the way of startups, product building, financing, and critical failure factors. Students are expected to work on developing their business plan and prototype daily, with weekly feedback and a final presentation.
Tetuan Valley Startup School 6 w3 - Spring 2012Luis Rivera
This 3 week startup school in Tetuan Valley, Morocco in March 2012 focused on building products and gaining customer feedback. It emphasized the importance of continuous improvement through integration, source control, deployment scripts, alerts and analysis to ensure the product quality matches the strength of the community supporting it.
Curso para Business Angels en Internet - CEEIMLuis Rivera
Este documento presenta la agenda para la primera sesión de un curso sobre inversiones en empresas de Internet dirigido a Business Angels. La sesión cubrirá objetivos del curso, experiencia de los participantes, cómo se financian startups, cómo conectan emprendedores e inversores en España, información intercambiada en las negociaciones y cómo apoyar a startups invertidas.
Okuri Ventures & Tetuan Valley - Menciones en medios Enero 2012Luis Rivera
La Unión Europea ha acordado un embargo petrolero contra Rusia en respuesta a la invasión de Ucrania. El embargo prohibirá las importaciones marítimas de petróleo ruso a la UE y pondrá fin a las entregas a través de oleoductos dentro de seis meses. Esta medida forma parte de un sexto paquete de sanciones de la UE destinadas a aumentar la presión económica sobre Moscú y privar al Kremlin de fondos para financiar su guerra.
Fall 2012 week 2 Biz Models and MetricsTetuanValley
This document summarizes Week 2 of Startup School 7 held in Tetuan Valley in October 2012. It discusses business models, metrics, and how investors evaluate startups. Key points include the importance of demonstrating a big market need, a scalable solution, and a clear business model showing how the startup will generate revenue. It emphasizes starting experimentation and collecting metrics from customer acquisition and activation to measure product usage and retention.
Entrepreneurship rates have declined significantly in major economies since the recession began in 2006. The number of new business startups per capita fell over 30% on average across OECD countries between 2006 and 2009. However, some countries fared better than others, with the United States seeing a smaller decline compared to countries like Italy and Spain that saw startup rates plummet over 50% from pre-recession levels.
10 preguntas para decidir si constituir tu empresa debe esperarLuis Rivera
Este documento proporciona 10 preguntas para ayudar a los emprendedores a decidir si deben constituir formalmente su empresa o funcionar como autónomos. Algunas de las preguntas clave son si el proyecto tiene un plan de negocios claro, si se tienen clientes y facturas, y si el negocio está creciendo y contratando empleados. El documento recomienda constituir la empresa una vez se superen estos hitos para limitar riesgos legales y financieros.
Okuri Ventures & Tetuan Valley - Menciones en medios Jan2011Luis Rivera
La Unión Europea ha acordado un paquete de sanciones contra Rusia por su invasión de Ucrania. Las sanciones incluyen restricciones a las importaciones de productos rusos de alta tecnología y a las exportaciones de bienes de lujo a Rusia. Además, se congelarán los activos de varios oligarcas rusos y se prohibirá el acceso de los bancos rusos a los mercados financieros de la UE.
Okuri Ventures & Tetuan Valley - Menciones en medios Oct2011 - Parte ALuis Rivera
La Unión Europea ha acordado un embargo petrolero contra Rusia en respuesta a la invasión de Ucrania. El embargo prohibirá las importaciones marítimas de petróleo ruso a la UE y pondrá fin a las entregas a través de oleoductos dentro de seis meses. Esta medida forma parte de un sexto paquete de sanciones de la UE destinadas a aumentar la presión económica sobre Moscú y privar al Kremlin de fondos para financiar su guerra.
Okuri Ventures & Tetuan Valley - Menciones en medios Febrero 2012Luis Rivera
La Unión Europea ha acordado un paquete de sanciones contra Rusia por su invasión de Ucrania. Las sanciones incluyen restricciones a las transacciones con bancos rusos clave y la prohibición de la venta de aviones y equipos a Rusia. Los líderes de la UE esperan que las sanciones aumenten la presión económica sobre Rusia y la disuadan de continuar su agresión contra Ucrania.
Tetuan Valley Startup School IV - Spring 2011 - Week 3Luis Rivera
The document discusses key financial concepts for entrepreneurs starting a business. It covers two sessions that introduce students to concepts like time value of money, diversification, price of risk, and how to read financial statements like balance sheets, cash flow statements, and income statements. The sessions provide examples and graphs to illustrate these concepts and help entrepreneurs understand financial projections and valuations when presenting to investors.
Okuri Ventures & Tetuan Valley - Menciones en medios Abr2011 parte BLuis Rivera
La Unión Europea ha acordado un embargo petrolero contra Rusia en respuesta a la invasión de Ucrania. El embargo prohibirá las importaciones marítimas de petróleo ruso a la UE y pondrá fin a las entregas a través de oleoductos dentro de seis meses. Esta medida forma parte de un sexto paquete de sanciones de la UE destinadas a aumentar la presión económica sobre Moscú y privar al Kremlin de fondos para financiar su guerra.
Okuri Ventures & Tetuan Valley - Menciones en medios Mar2011 parte BLuis Rivera
La Unión Europea ha acordado un embargo petrolero contra Rusia en respuesta a la invasión de Ucrania. El embargo prohibirá la mayoría de las importaciones de petróleo ruso a la UE y se implementará de manera gradual durante los próximos seis meses. El embargo forma parte de un sexto paquete de sanciones de la UE contra Rusia destinado a aumentar la presión económica sobre el gobierno de Putin.
Tetuan Valley Startup School 6 w1 - Spring 2012Luis Rivera
Tetuan Valley Startup School Spring 2012 was held in March 2012 in Tetuan Valley, Morocco. The week-long event was sponsored by various organizations and brought together entrepreneurs and collaborators to discuss starting new businesses. Participants were encouraged to get started on their ideas, work as a team, and learn from failures through iteration.
Tetuan Valley Startup School 6 w5 - Spring 2012Luis Rivera
This document summarizes Week 5 of the Tetuan Valley Startup School Spring 2012. It discusses various topics related to starting a business such as choosing a team, trusting your partners, focusing on sustainable business models rather than fairy tales, and enduring challenges without giving up. The event took place in Tetuan Valley, Morocco in April 2012 and was sponsored by various organizations with the goal of helping startups.
Okuri Ventures & Tetuan Valley - Menciones en medios Ago2011Luis Rivera
Este resumen describe 10 empresas emergentes (startups) que participan en un programa de entrenamiento empresarial (Startupbootcamp) en Madrid. Cada startup recibe 12,000 euros, oficina y formación gratuita a cambio de un 8% de la empresa. Tres de las startups se destacan: Giftme (regalos en grupo por Facebook), Uspeak (aplicaciones móviles de idiomas), y Linkovery (escritorio en la nube). El objetivo del programa es ayudar a las startups a desarrollar sus ideas de negocio y encontrar inversionistas.
Okuri Ventures & Tetuan Valley - Menciones en medios Dic2011Luis Rivera
La Unión Europea ha acordado un paquete de sanciones contra Rusia por su invasión de Ucrania. Las sanciones incluyen restricciones a las importaciones de productos rusos de alta tecnología y a las exportaciones de bienes de lujo a Rusia. Además, se congelarán los activos de varios oligarcas rusos y se prohibirá el acceso de los bancos rusos a los mercados financieros de la UE.
Startup Spain Angel School - 4. Panel de inversoresLuis Rivera
Startup Spain Angel School with Madrid Emprende in Madrid International Lab. February 9th 2012
For further info please check http://www.startupspain.com
Startup Spain Angel School - 8. ConclusionesLuis Rivera
El documento detalla el cronograma de un programa de aceleración, incluyendo fechas para aplicaciones, el programa en sí, una demostración para inversionistas y fechas límite para inversiones privadas y de socios ancla.
Tetuan Valley Startup School 6 w6 - Spring 2012Luis Rivera
This document summarizes Week 6 of the Tetuan Valley Startup School Spring 2012. It provides an agenda for the day that includes getting a mantra, making your company heard, knowing your stakeholders, shaping your company from day 1, and learning about sources of investment. The document emphasizes sharing information and lessons learned using the hashtag #tvssv.
Okuri Ventures & Tetuan Valley - Menciones en medios Jan2011 parte BLuis Rivera
La Unión Europea ha acordado un embargo petrolero contra Rusia en respuesta a la invasión de Ucrania. El embargo prohibirá las importaciones marítimas de petróleo ruso a la UE y pondrá fin a las entregas a través de oleoductos dentro de seis meses. Esta medida se suma a las sanciones anteriores de la UE contra Rusia y se espera que debilite aún más la economía rusa.
Tetuan Valley Startup School IV - Spring 2011 - Week 2Luis Rivera
This document summarizes key concepts from two sessions on finance for entrepreneurs. Session 1 introduced technical students to key financial concepts, principles, equations, investors' objectives and stages of investing. Session 2 covered the business plan, pricing methods, business models, and other financial tools. The sessions aimed to help participants understand important financial indicators and how to apply models to value startups and present financial projections to investors.
Okuri Ventures & Tetuan Valley - Menciones en medios Sep2011 - Parte BLuis Rivera
La Unión Europea ha acordado un paquete de sanciones contra Rusia por su invasión de Ucrania. Las sanciones incluyen restricciones a las transacciones con bancos rusos clave y la prohibición de la venta de aviones y equipos a Rusia. Los líderes de la UE esperan que las sanciones aumenten la presión económica sobre Rusia y la disuadan de continuar su agresión contra Ucrania.
My name is Pedro Lau Semedo. I’m the CEO of Kognitas and I’m co-founder with Luis Rivera, and Alejo Martínez-Sansigre. And we are a wellbeing startup focusing on wellbeing for geeks.
We provide an integrated service where we give people a chance to experiment from different challenges and little lifestyle changes delivered through chatbots. You have smart scales and a smart watch and a continuous glucose meter, and then people check at their wearable data and sensor the data and see if things are working.
On top of that, we have support through personal health coaches. That really guide you through what things to change or what things are making an impact and, and the hope is that little by little people will make small changes, integrate their mass habits, and over time they will compound into big changes.
Because I identified that whatever worked for me, probably work for a lot of other people in my situation: you know, middle aged people, professionals that don’t have a lot of time, they probably have kids. They’re already having the first signs of an unhealthy metabolism and lifestyle. Like, high cholesterol, high blood pressure. And, uh, we found that this worked much better than the typical fat diet, trying to go to the gym, not going to the gym, and all of those typical things that people are told to do.
https://www.digitalocean.com/resources/podcast/aha-moment-kognitas
This document appears to be notes from a startup school event. It discusses things that startup founders don't want to hear, such as the reality that most startups won't make it or that lack of venture capital is not an excuse. It also notes that corporations and venture capitalists will try to take advantage. Additionally, it states that the next startups will be even harder but that motivation and knowledge gained from previous attempts will help. It highlights that the startup community stays alive because past participants become mentors to future founders.
Okuri Ventures & Tetuan Valley - Menciones en medios Oct2011 - Parte ALuis Rivera
La Unión Europea ha acordado un embargo petrolero contra Rusia en respuesta a la invasión de Ucrania. El embargo prohibirá las importaciones marítimas de petróleo ruso a la UE y pondrá fin a las entregas a través de oleoductos dentro de seis meses. Esta medida forma parte de un sexto paquete de sanciones de la UE destinadas a aumentar la presión económica sobre Moscú y privar al Kremlin de fondos para financiar su guerra.
Okuri Ventures & Tetuan Valley - Menciones en medios Febrero 2012Luis Rivera
La Unión Europea ha acordado un paquete de sanciones contra Rusia por su invasión de Ucrania. Las sanciones incluyen restricciones a las transacciones con bancos rusos clave y la prohibición de la venta de aviones y equipos a Rusia. Los líderes de la UE esperan que las sanciones aumenten la presión económica sobre Rusia y la disuadan de continuar su agresión contra Ucrania.
Tetuan Valley Startup School IV - Spring 2011 - Week 3Luis Rivera
The document discusses key financial concepts for entrepreneurs starting a business. It covers two sessions that introduce students to concepts like time value of money, diversification, price of risk, and how to read financial statements like balance sheets, cash flow statements, and income statements. The sessions provide examples and graphs to illustrate these concepts and help entrepreneurs understand financial projections and valuations when presenting to investors.
Okuri Ventures & Tetuan Valley - Menciones en medios Abr2011 parte BLuis Rivera
La Unión Europea ha acordado un embargo petrolero contra Rusia en respuesta a la invasión de Ucrania. El embargo prohibirá las importaciones marítimas de petróleo ruso a la UE y pondrá fin a las entregas a través de oleoductos dentro de seis meses. Esta medida forma parte de un sexto paquete de sanciones de la UE destinadas a aumentar la presión económica sobre Moscú y privar al Kremlin de fondos para financiar su guerra.
Okuri Ventures & Tetuan Valley - Menciones en medios Mar2011 parte BLuis Rivera
La Unión Europea ha acordado un embargo petrolero contra Rusia en respuesta a la invasión de Ucrania. El embargo prohibirá la mayoría de las importaciones de petróleo ruso a la UE y se implementará de manera gradual durante los próximos seis meses. El embargo forma parte de un sexto paquete de sanciones de la UE contra Rusia destinado a aumentar la presión económica sobre el gobierno de Putin.
Tetuan Valley Startup School 6 w1 - Spring 2012Luis Rivera
Tetuan Valley Startup School Spring 2012 was held in March 2012 in Tetuan Valley, Morocco. The week-long event was sponsored by various organizations and brought together entrepreneurs and collaborators to discuss starting new businesses. Participants were encouraged to get started on their ideas, work as a team, and learn from failures through iteration.
Tetuan Valley Startup School 6 w5 - Spring 2012Luis Rivera
This document summarizes Week 5 of the Tetuan Valley Startup School Spring 2012. It discusses various topics related to starting a business such as choosing a team, trusting your partners, focusing on sustainable business models rather than fairy tales, and enduring challenges without giving up. The event took place in Tetuan Valley, Morocco in April 2012 and was sponsored by various organizations with the goal of helping startups.
Okuri Ventures & Tetuan Valley - Menciones en medios Ago2011Luis Rivera
Este resumen describe 10 empresas emergentes (startups) que participan en un programa de entrenamiento empresarial (Startupbootcamp) en Madrid. Cada startup recibe 12,000 euros, oficina y formación gratuita a cambio de un 8% de la empresa. Tres de las startups se destacan: Giftme (regalos en grupo por Facebook), Uspeak (aplicaciones móviles de idiomas), y Linkovery (escritorio en la nube). El objetivo del programa es ayudar a las startups a desarrollar sus ideas de negocio y encontrar inversionistas.
Okuri Ventures & Tetuan Valley - Menciones en medios Dic2011Luis Rivera
La Unión Europea ha acordado un paquete de sanciones contra Rusia por su invasión de Ucrania. Las sanciones incluyen restricciones a las importaciones de productos rusos de alta tecnología y a las exportaciones de bienes de lujo a Rusia. Además, se congelarán los activos de varios oligarcas rusos y se prohibirá el acceso de los bancos rusos a los mercados financieros de la UE.
Startup Spain Angel School - 4. Panel de inversoresLuis Rivera
Startup Spain Angel School with Madrid Emprende in Madrid International Lab. February 9th 2012
For further info please check http://www.startupspain.com
Startup Spain Angel School - 8. ConclusionesLuis Rivera
El documento detalla el cronograma de un programa de aceleración, incluyendo fechas para aplicaciones, el programa en sí, una demostración para inversionistas y fechas límite para inversiones privadas y de socios ancla.
Tetuan Valley Startup School 6 w6 - Spring 2012Luis Rivera
This document summarizes Week 6 of the Tetuan Valley Startup School Spring 2012. It provides an agenda for the day that includes getting a mantra, making your company heard, knowing your stakeholders, shaping your company from day 1, and learning about sources of investment. The document emphasizes sharing information and lessons learned using the hashtag #tvssv.
Okuri Ventures & Tetuan Valley - Menciones en medios Jan2011 parte BLuis Rivera
La Unión Europea ha acordado un embargo petrolero contra Rusia en respuesta a la invasión de Ucrania. El embargo prohibirá las importaciones marítimas de petróleo ruso a la UE y pondrá fin a las entregas a través de oleoductos dentro de seis meses. Esta medida se suma a las sanciones anteriores de la UE contra Rusia y se espera que debilite aún más la economía rusa.
Tetuan Valley Startup School IV - Spring 2011 - Week 2Luis Rivera
This document summarizes key concepts from two sessions on finance for entrepreneurs. Session 1 introduced technical students to key financial concepts, principles, equations, investors' objectives and stages of investing. Session 2 covered the business plan, pricing methods, business models, and other financial tools. The sessions aimed to help participants understand important financial indicators and how to apply models to value startups and present financial projections to investors.
Okuri Ventures & Tetuan Valley - Menciones en medios Sep2011 - Parte BLuis Rivera
La Unión Europea ha acordado un paquete de sanciones contra Rusia por su invasión de Ucrania. Las sanciones incluyen restricciones a las transacciones con bancos rusos clave y la prohibición de la venta de aviones y equipos a Rusia. Los líderes de la UE esperan que las sanciones aumenten la presión económica sobre Rusia y la disuadan de continuar su agresión contra Ucrania.
My name is Pedro Lau Semedo. I’m the CEO of Kognitas and I’m co-founder with Luis Rivera, and Alejo Martínez-Sansigre. And we are a wellbeing startup focusing on wellbeing for geeks.
We provide an integrated service where we give people a chance to experiment from different challenges and little lifestyle changes delivered through chatbots. You have smart scales and a smart watch and a continuous glucose meter, and then people check at their wearable data and sensor the data and see if things are working.
On top of that, we have support through personal health coaches. That really guide you through what things to change or what things are making an impact and, and the hope is that little by little people will make small changes, integrate their mass habits, and over time they will compound into big changes.
Because I identified that whatever worked for me, probably work for a lot of other people in my situation: you know, middle aged people, professionals that don’t have a lot of time, they probably have kids. They’re already having the first signs of an unhealthy metabolism and lifestyle. Like, high cholesterol, high blood pressure. And, uh, we found that this worked much better than the typical fat diet, trying to go to the gym, not going to the gym, and all of those typical things that people are told to do.
https://www.digitalocean.com/resources/podcast/aha-moment-kognitas
This document appears to be notes from a startup school event. It discusses things that startup founders don't want to hear, such as the reality that most startups won't make it or that lack of venture capital is not an excuse. It also notes that corporations and venture capitalists will try to take advantage. Additionally, it states that the next startups will be even harder but that motivation and knowledge gained from previous attempts will help. It highlights that the startup community stays alive because past participants become mentors to future founders.
How to compete with Banks in 32 countriesLuis Rivera
ETFmatic is a robo-advisor authorized to operate in 32 European countries. It has over 200,000 app downloads and is the most downloaded robo-advisor in Europe. ETFmatic aims to achieve break-even in 2019 by continuing to grow its direct-to-consumer business while also developing new business-to-business partnerships throughout Europe. It offers competitive fees from 0.29-0.48% on assets under management and seeks to raise £5 million in an institutional funding round in late 2018.
Artificial Intelligence and Robo Financial AdvisingLuis Rivera
ETFmatic is a robo-advisor authorized in the UK and 32 European countries that provides automated portfolio management using ETFs. It offers both direct-to-consumer and business-to-business services. ETFmatic has over 200,000 app downloads and is growing assets under management by doubling every quarter. It aims to achieve profitability by 2019 through its dual go-to-market strategy targeting both individual investors and partnerships with other financial companies.
This document discusses mentors and their roles in startups. It describes three types of mentors: the good, the bad, and the ugly. The good mentors provide morale boosts and connections but may not understand today's environment. The bad mentors are easily identifiable by their conflicts of interest, ego, or lack of listening skills. The ugly mentors are needed to point out risks and help with emotional support during difficult times as a startup CEO. While unpleasant, they provide a valuable perspective. The document encourages founders to keep a few "ugly" mentors close for their honest feedback.
Aion Bank, a full service digital bank, today announced the acquisition of ETFmatic. ETFmatic works with some of the best exchange traded funds (ETFs) in the world to offer a transparent end-to-end service to investors.
Belgiums Aion bank has acquired London robo advisor ETFmaticLuis Rivera
The neobank is looking to boost its investment proposition.
Belgium’s Aion Bank has acquired London robo-advisor ETFmatic
Image source: Aion Bank.
Aion Bank has acquired low-cost ETF investment platform ETFmatic, a new digital bank in Belgium backed by private equity giant Warburg Pincus.
Aion launched last March as a subscription-based bank, with its €3.90/month Light account offering high-interest rates of up to 1 per cent and its €19/month Premium account offering automated ETF investing.
This is where the ETFmatic acquisition comes in, Aion says the deal will help it create new investment products in more countries, while ETFmatic will continue to operate as a stand-alone brand.
Wealth and investment offerings are fairly few and far between among digital banks right now. Currently, Revolut offers direct access to stocks, crypto and commodities trading, but not the kind of robo-advice offered by a Nutmeg or Wealthify.
Aion Bank, now with ETFmatic’s help, is clearly trying to find a market in the middle for neobank plus robo-advisor.
For ETFmatic the deal will also see an expansion of its white-label service across Europe, the service which Aion used to launch its ETF investment product.
“ETFmatic has been a great partner since our Belgian launch in March 2020,” said Aion CEO Wojciech Sobieraj.
“We are the bank designed to help our members save and earn more, and portfolio management is a key product as we prepare to expand across Europe.”
Next up on that expansion is Poland, where the bank is due to do live later this year.
Johan Hellman, CEO of ETFmatic, said: “ETFs have seen significant growth during the pandemic, and I anticipate investors will continue to look to ETFs as we see market recovery in the quarters to come.”
The deal has already been approved by the UK’s Financial Conduct Authority and is effective immediately, no financial details of the deal were disclosed.
FT Adviser - Robo-adviser launches tax monitoring featureLuis Rivera
Europe-wide robo-adviser has launched a capital gains harvesting feature to help its clients optimise their investments and reduce the need for aggressive asset allocation rebalancing.
ETFmatic's new feature will work by identifying and selling those ETFs that have increased in value and replacing them with similar ones to ensure the same asset allocation exposure is maintained for clients.
The robo-adviser claims to be Europe's only digital wealth management platform that offers ETF portfolios in sterling, Euros and US dollars.
Luis Rivera, chief executive of ETFmatic, said: "Investors in Europe deserve cost effective portfolio management with asset allocations that make sense to them. Our aim is to offer clients more of the kinds of services that have historically only been available to individuals with several million to invest.
"Since our launch two years ago, we have continuously been developing new solutions which add further value to our services. The new capital gains feature lays the groundwork for further tax optimisation tools around loss harvesting in the future."
ETFmatic will begin rolling out the service to clients in 32 European Union states. Initially, it will only be available to eligible clients with portfolios of GBP/USD/EUR 50,000 plus.
The company has said those who are not familiar with capital gains tax or the tax-free allowance should seek professional tax advice before deciding whether to enable the feature on their account.
It charges 0.48 per cent on portfolios of up to GBP/EUR/USD 25,000, and 0.29 per cent for those of more than GBP/EUR/USD 25,000 and above.
ETFmatic has not disclosed how much it has in assets under management.
Negocios - Portugueses ja confiam num robot para gerir o seu dinheiroLuis Rivera
Portugueses estão entre os principais clientes da primeira gestora robótica de patrimónios. Mas os investidores nacionais são mais conservadores do que no resto da Europa.
Portugueses já confiam num robot para gerir o seu dinheiro
Bloomberg
Ler mais tarde Imprimir
Negócios jng@negocios.pt
14 de dezembro de 2017 às 12:39
A ETFmatic, a primeira gestora robótica de patrimónios a operar em Portugal, tem clientes em 32 países, entre os quais as maiores economias do mundo como Alemanha, França, Reino Unido, Espanha e Finlândia, mesmo assim o nosso país é um dos seus cinco melhores clientes, revela hoje o Observador.
Há quase uma década que os gestores-robot são uma realidade nos Estados Unidos, país onde já administram mais de 45 mil milhões de euros. Mas na Europa o caminho tem sido mais lento, e em Portugal a ETFmatic é aliás a única empresa a usar este modelo de gestão de património – em que o dinheiro dos clientes é investido automaticamente através de algoritmos - e começou o operar há apenas um ano e meio.
"Portugal é agora um dos cinco principais mercados" da ETFmatic, "definitivamente, não estávamos à espera", revela o empreendedor espanhol que fundou a ETFmatic, em Londres, Luís Rivera. O gestor não revela números, mas avança com uma explicação para o sucesso em Portugal: "Muito do nosso crescimento está a vir de países onde os emitentes de fundos cotados não investiram no desenvolvimento, [logo] a nossa oferta é mais disruptiva."
Na mesma entrevista ao Observador, o fundador da ETFmatic conta que os investidores nacionais são mais conservadores do que no resto da Europa. A carteira mais comum entre os portugueses tem 40% aplicado no mercado accionista e 60% em fundos de obrigações, revela Luís Rivera. Ao nível europeu, a carteira mais popular tem 80% exposta a acções e 20% a obrigações, de acordo com as estatísticas mais recentes da companhia londrina. Isto acontece "apesar de [os portugueses] serem ligeiramente mais novos", com 32 anos, afirma Luís Rivera.
FT Adviser - Passive platform announces fee cutLuis Rivera
ETFmatic, a provider of exchange traded funds (ETFs) has announced a reduction in its fees.
The annual management fee on its range of passive portfolios of less than £25,000 will be 0.48 per cent, a reduction of 0.02 per cent.
For portfolios of greater than £25,000, the annual management fee drops to 0.29 per cent, from the previous 0.30 per cent.
When admin and tax costs are added, this takes the total expense ratio of the portfolios will be 0.60 per cent for the portfolio below £25,000, and 0.45 per cent for those above, according to the company.
Citywire - Online Investment firm cuts management fees to under 18sLuis Rivera
A pan-European robo-advice firm is hoping to hook in the next generation of investors with a zero management fee for under 18s.
ETFmatic, which operates in the UK and 31 other European countries, began offering the service in October. Nations hit the hardest by the financial crisis, such as Spain and Ireland, have provided the most clients, the firm said.
Product director Johann Bornman said: ‘Time and compound interest are incredible allies in achieving your financial goals. A simple way to ensure the highest possible rate of compound (return), for the level of risk you are willing to take, is to keep your costs as low as possible.
‘Paying high fees might send your banker’s kids to nice schools, but severely impacts where your children will call their alma mater.’
ETFmatic also recently removed management fees for women for a limited period, in a bid to close the gender gap among its clients.
Robo-adviser offers fee-free investing for womenLuis Rivera
Women who open and fund an account with ETFmatic will not pay investment management fees for six months.
The robo-investor’s campaign is designed to throw light on the investment gender gap, which typically sees men in a better position to invest than women who are more likely to take career breaks or a cut in hours to raise their children.
The ability for women to invest may also be hampered by the 18.6 per cent salary difference for all types of employment and 9.4 per cent for full-timers.
While the gender pay gap is closing Deloitte estimates it will only slam shut in 2069, if the current trend perseveres.
Attitude to risk is a further factor that adds to the differences between men and women.
Several studies have found women are more likely to put money into savings accounts, rather than invest.
ETFmatic concludes this indicates a lower tolerance for investment risk, which needs to be addressed if women are to achieve long-term financial goals.
Stefanie zu Dohna, client and operations director at ETFmatic, said: “At ETFmatic 10 per cent of our clients are female. The average age of our customers is 34 years. This is an age where lots of people settle down and start seriously thinking about their investments for the future.
"But this is also an age where many women are likely to be taking time out of full time work to raise children and earnings may decline - any savings put to one side on a regular basis need to work harder to meet long term financial goals.
“For the next month any woman that opens and funds an account with ETFmatic will have zero investment management fees for six months.
"We hope this helps plug any investment gaps, and encourages more women to use digital wealth management platforms as an alternative investment solution that’s quick, easy, transparent and secure.”
Susan Hill, chartered financial planner at Susan Hill Financial Planning, said: “There is a need for women to take control of their finances. They like to have a plan and to work towards a goal, however they are more cautious than men, and take more time to consider their options.
“I think male advisers don’t always help as they work differently to women and can come across as a little patronising. The solution is to get more female advisers out there and, of course, to ensure sound financial education starts at an early age, and is delivered with both genders in mind.”
How to use ETFs in portfolio construction ftadviserLuis Rivera
ETFs provide low-cost diversification that allows investors to construct portfolios according to their asset allocation. They enable exposure to assets that were previously difficult to access individually, like gold and oil. While ETFs are increasingly used in portfolio construction, some platforms have not fully adapted to offering fractional trading that would allow investors to fully allocate all available funds.
ETFs vs index funds and the rise of smart beta ftadviserLuis Rivera
ETFs and index funds both allow investors to access diversified market exposure at low cost. The main difference is that ETFs trade like stocks on an exchange, while index funds are priced once per day. Smart beta ETFs use alternative index construction methods to target factors like size, value, and volatility. Research shows most investors are using ETFs to access smart beta strategies. However, some criticize smart beta for potential backtesting bias and lack of clarity on costs. Whether an investor chooses an ETF or index fund depends on their trading needs and preferences around costs.
ETF developments in 2017 and beyond ft adviserLuis Rivera
Experts were asked about expected developments in the ETF market in 2017. Bryon Lake of Invesco PowerShares said that adoption of smart beta ETFs is expected to continue, with average allocations to smart beta portfolios expected to rise to 25% in the UK within three years. James McManus of Nutmeg expects continued expansion of fixed income smart beta strategies and more segmentation of fixed income markets through ETFs. Most experts predicted lower ETF costs in 2017 due to increased competition and cost pressure.
El robo advisor etfmatic presente en 32 países Luis Rivera
El robo-advisor ETFmatic, presente en 32 países
El robo-advisor ETFmatic se convierte en la primera aplicación en estar presente en 32 países. Ofrece carteras diseñadas individualmente de acuerdo con la tolerancia y riesgo de cada inversor.
JUEVES, 19 ENERO 2017IRENE DEL CAMPO
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Desde que comenzó su andadura en junio de 2016, ETFmatic ha realizado una rápida expansión internacional que le ha llevado en tan solo seis meses a ofrecer sus servicios en España, Portugal, Bélgica, Irlanda, Suiza, Dinamarca, Letonia, Austria, Estonia, Países Bajos, Polonia, Bulgaria, Croacia, Chipre, República Checa, Finlandia, Francia, Alemania, Gibraltar, Grecia, Hungría, Islandia, Italia, Liechtenstein, Lituania, Luxemburgo, Malta, Noruega, Rumania, Eslovaquia, Eslovenia y Reino Unido.
Luis Rivera, consejero delegado (CEO) de la compañía, destaca que ofrecen “más flexibilidad que otros robo-advisors ya que permite gestionar un portfolio único para cada cliente”.
Asimismo, llama la atención en otras de las ventajas de ETFmatic que “ofrece costes menores que la banca tradicional, con fácil accesibilidad las 24 horas los 365 días del año a través del móvil y que permite la apertura de una cuenta de inversión en 32 países en tan solo cinco minutos. Los inversores continentales tienden a pagar tarifas más altas, por lo que encuentran en los robo-advisors a un gran aliado para minimizar costes mientras generan altas rentabilidades”, explica.
Esta aplicación, continúa la firma en un comunicado, “se diferencia de los productos existentes en el mercado por configurar un portfolio personalizado y único para cada cliente en función de su perfil de inversor (conservador, medio o agresivo), su edad y sus ingresos, así como las metas financieras establecidas, y no en base a los intereses de aquellos que lo comercializan. De este modo, según los datos registrados el servidor establece de forma automática una cartera diversificada diseñada para cumplir los objetivos de rentabilidad marcados”.
Además, continúa, se trata del primer robo-advisor que está disponible directamente desde el móvil sin necesidad de entrar en una página web, a través de una herramienta de gestión simple y ágil. Desde la aplicación, los clientes pueden abrir una cuenta de simulación con fondos virtuales ilimitados para comparar beneficios y tarifas con variantes tradicionales. Y la inversión mínima requerida es de 100 euros.
Según asegura el CEO de ETFmatic, “todas estas ventajas son posibles gracias a que hemos desarrollado una completa regulación y tecnología que nos ha permitido eliminar intermediarios y ofrecer un servicio completo a coste inferior comparado con la competencia”.
Audio boom i robo advisor et fmatic launches robo investment platformLuis Rivera
Robo-investment platforms have been on the rise in recent years. Nutmeg has been the pioneer: you fill in a questionnaire, then algorithms - or a 'robo-advisor' - picks a portfolio tailored to you.
A new platform has entered the fray: ETFmatic. Share Radio's Ed Bowsher spoke to ETFMatic's CEO Luis Rivera to find out about his new platform as well as the growing world of robo-investment.
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