Anyone who puts their assets in someone else's hands needs more than a good impression - they need good reasons. Our asset management is aimed at investors who want to invest their money scientifically, independently and for the long term. People who don't expect market noise, but rather a robust approach to achieving their financial goals.
At Gerd Kommer Invest (“GKI”) we invest according to this World portfolio principle: Globally diversified, forecast-free, cost-efficient. Our investment strategy does not follow gut feeling, but rather the findings of modern financial economics. It avoids unnecessary complexity and concentrates on what is essential: the systematic use of sources of return that the capital market provides for your investments.
We are an independent asset manager regulated by BaFin - free from conflicts of interest, which are unfortunately common in the financial industry. We do not receive any kickbacks, do not sell any in-house products and do not profit from trading in customer portfolios. Our independence is not an advertising promise, but our business model.
Our asset management is aimed at private customers with liquid assets of 1 million euros or more who are looking for an independent, evidence-based and structured solution for their capital.
We do not receive commissions, commissions or other “kickbacks” from product providers or third parties. We also do not use our own funds. We fundamentally reject profit-related fees (so-called performance fees) as they create false incentives and sometimes arise even in the event of poor performance.
Our fee structure is designed in such a way that there are no incentives that work to the detriment of our clients - neither through unnecessary transactions nor through the sale of unsuitable products.
Because: Conflicts of interest are the plague of the financial industry. They regularly lead to too much active trading and incorrect advice - with negative returns for the customer. We have solved this problem at the root: through a business model that has no hidden dependencies.
We invest exclusively on the basis of established scientific findings - evidence-based and forecast-free. This non-speculative approach is often summarized under the term “passive investing”.
Many financial service providers, including banks and some independent asset managers, rely instead on forecasts and assessments that are unlikely to prove effective in practice. Even if science is occasionally mentioned in marketing materials, the actual investment approach is often unaffected.
We, on the other hand, consistently follow what capital market research has confirmed for decades: freedom from forecasts, broad diversification, discipline - and the avoidance of unnecessary complexity for your financial investments.
We combine financial advice, asset structuring and asset management in an integrated approach. We include all relevant assets in the analysis right from the start - including non-liquid positions such as real estate or investments as well as your future employment income (“human capital”).
The goal is a consistent overall concept for your assets, tailored to your family, professional and tax situation. We develop this concept together with you and regularly adapt it to changing conditions.
Many banks and asset managers only consider the capital that they manage themselves. We consider this to be inadequate. A rational asset structure and well-founded decisions require a view of the whole - not just a section.
We combine asset management with independent financial advice and support - structured, long-term and holistic. Unlike many banks or financial service providers, our advice does not end with investable capital. It begins with a comprehensive look at your entire financial situation and accompanies you throughout the entire term of your mandate.
Below you will find a selection of our central services:
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.
We work with several custodian banks in Germany, Austria, Liechtenstein and Switzerland. The selection is made in consultation with our clients, taking into account aspects such as deposit protection, service quality, cost structure and technical connection. Our clients' funds are managed in separate deposits at the respective bank and are exclusively in their name.
Below you will find an overview of our partner banks by country:
Gerd Kommer Invest's individual asset management offering is aimed at private customers with liquid investment assets 1 million euros. This minimum investment amount ensures that comprehensive, high-quality and fully personalized asset management can be implemented sensibly and efficiently.
The holistic financial advice initially includes: complete analysis of your total assets and based on this, the development of an individually tailored, globally diversified multi-asset portfolio.
Among other things, these are taken into account Investments, real estate, company investments, insurance, pension entitlements and liquidity goals. In addition, we offer, among other things, withdrawal simulations, real estate analyses, financing advice and potentially support in the establishment and administration of a family or charitable foundation.
The advice is ongoing and is regularly adapted to changing life and financial situations.
Our asset management is based on one thing passive, scientifically based approach and is fundamentally different from traditional active management.
While active managers try to beat the market through market forecasts or stock selection - which, according to empirical research, cannot lead to long-term success - we are betting on one Prediction-free buy-and-hold approach.
The portfolios are broadly diversified and constructed cost-efficiently, based on the findings of modern capital market research. The goal is to reduce risks, minimize costs and increase the likelihood of achieving long-term financial goals.