strategy

Gerd Kommer is considered a pioneer of passive investing with index funds and ETFs in German-speaking countries. For over 20 years he has been making the basics of his investment approach accessible to the general public - in booksvideos and Blog posts.

Our investment strategy is based on Gerd Kommer's world portfolio concept: globally diversified, forecast-free, scientifically based. No market timing, no stock picking, no speculation, but a structured approach that has proven itself in theory and practice for decades and serves many investors as the foundation for their investments. This strategy aims to build wealth over the long term.

The construction and ongoing management of our portfolios follows comprehensible, independent and well-documented criteria. No other digital asset manager in Germany has disclosed its investment approach as openly and in detail as we have, including in the book “Invest confidently with index funds and ETFs”.

We are not subject to harmful conflicts of interest. This means: No in-house products, no commissions from third parties, no economic interest in trading in customer portfolios.

Our investment approach is passive, evidence-based and forecast-free — and is based on the principles that we transparently set out below.

Full body picture of Dr. Gerd Kommer.
Full body picture of Dr. Gerd Kommer.

Gerd Kommer is considered a pioneer of passive investing with index funds in German-speaking countries. For over 20 years he has been making the basics of his investment approach accessible to the general public - in booksvideos and Blog posts.

Our investment strategy is based on Gerd Kommer's world portfolio concept: globally diversified, forecast-free, scientifically based. No market timing, no stock picking, no speculation, but a structured approach that has proven itself in theory and practice for decades.

The construction and ongoing management of our portfolios follows comprehensible, independent and well-documented criteria. No other digital asset manager in Germany has disclosed its investment approach as openly and in detail as we have, including in the book “Invest confidently with index funds and ETFs”.

We are not subject to harmful conflicts of interest. This means: No in-house products, no commissions from third parties, no economic interest in trading in customer portfolios.

Our investment approach is passive, evidence-based and forecast-free — and is based on the principles that we transparently set out below.

Investment approach

Passive investing

No risk- and cost-increasing attempts to “beat the market” with stock picking or market timing.

Buy and hold

Long-term and confident investment instead of short-term trading in the form of “back and forth” or “in and out”.

Freedom of prediction

No use of speculative forecasts for individual securities or economic variables such as: B. the interest rate level when making investment decisions.

Science orientation

Consistent monitoring of findings in science and empirical capital market research.

Cost minimization

Low service costs and exclusive use of low-cost ETFs in our customer portfolios.

Transparency

Our investment approach and ETF investment strategy are 100% in the public domain. There is no black box investing with us.

Risk reduction

Broad diversification within and across asset classes. No risks from individual stocks, sectors or countries.

Factor investing

Use of so-called factor premiums (“Smart Beta Investing”) with higher expected returns than the overall market.

Freedom from conflict of interest

We do not receive commissions from product manufacturers and do not use any “in-house” products.

If you would like to find out more about our investment approach, we recommend that you sign up for ours newsletter Register and take a look at our White paper, our FAQs, ours Blog and the Books by Gerd Kommer.

Investment universe

Risky Portfolio Portion (“RBT”)

  • Developed countries (45%)
    • iShares MSCI World Small Cap UCITS ETF (ISIN: IE00BF4RFH31)
    • JPMorgan Global Equity Multi-Factor UCITS ETF (ISIN: IE00BJRCLL96)
  • Developed countries ex-USA (20%)
    • SPDR MSCI Europe Small Cap Value Weighted UCITS ETF (ISIN: IE00BSPLC298)
    • iShares Edge MSCI Europe Momentum Factor UCITS ETF (ISIN: IE00BQN1K786)
    • iShares Edge MSCI Europe Quality Factor UCITS ETF (ISIN: IE00BQN1K562)
  • Real estate (5%)
    • VanEck Vectors Global Real Estate UCITS ETF (ISIN: NL0009690239)
  • Emerging markets (30%)
    • iShares Core MSCI Emerging Markets IMI UCITS ETF (ISIN: IE00BKM4GZ66)
    • L&G ESG Emerging Markets Government Bond (USD) 0-5 Year UCITS ETF (ISIN: IE000MINO564)

 

Low-risk (“risk-free”) portfolio portion (“RFT”)

  • Eurozone government bonds (50%)
    • iShares eb.rexx Government Germany 0-1yr UCITS ETF (ISIN: DE000A0Q4RZ9)
    • Amundi Euro Highest-Rated Macro-Weighted Government Bond 1-3Y UCITS ETF (UCITS: LU1829219556)
  • Government bonds USA (20%)
    • iShares $ Treasury Bond 1-3yr UCITS ETF EUR Hedged (ISIN: IE00BDFK1573)
  • Corporate bonds (30%)
    • iShares Euro Ultrashort Bond UCITS ETF (ISIN: IE00BCRY6557)
Cover image of the white paper by Gerd Kommer with a white background and a blue bar.

White paper

Get our free white paper now to find out more about Gerd Kommer's world portfolio concept. The white paper is available exclusively to our newsletter subscribers.

How to reach us

If you have any questions about our robo advisor strategy, write us a message or call us.

📱 Phone: +49 89 215 298 12
📫 Email: ed.latipac-remmok-dreg@ecivres
Monday to Friday from 9:00 a.m. to 7:00 p.m

Subscribe to our newsletter to stay informed about new blog posts, the latest Book of the month and news from Gerd Kommer as well as ours  White paper to obtain.

Our regulations apply Privacy Policy.

How to reach us

If you have any questions about our robo advisor strategy, write us a message or call us.

📱 Phone: +49 89 215 298 12
📫 Email: ed.latipac-remmok-dreg@ecivres
Monday to Friday from 9:00 a.m. to 7:00 p.m

Subscribe to our newsletter to stay informed about new blog posts, the latest Book of the month and news from Gerd Kommer as well as ours  White paper to obtain.

Our regulations apply Privacy Policy.