We help replicate market returns instead of charging huge fees What are your options if you want to get reasonable returns on your long term savings? A checking or savings account that can't keep up with inflation? Online stock brokers with a dazzling number of instruments that require both time and expertise to tackle? Or whatever mutual funds your bank decides to push, even though management fees and kick-backs will eat up most of the returns? As many studies show, typical mutual fund underperforms its relevant benchmark index by approximately the amount of its fees levied and expenses incurred. And although the annual difference between the market return (for example, S&P 500) and that of the typical mutual fund may appear minor, the difference compounds over time and results in significant gaps between market returns and actual accumulation in retirement accounts: Source: The Tyranny of Compounding Fees: Are Mutual Funds Bleeding Retirement Accounts Dry? ETFmatic offers a disciplined approach to savings, where you can set specific goals and contribute to them on a regular basis. These goals are built on top of low cost index portfolios to make it easier for you to achieve them, and our service maintains the right diversification by continuously rebalancing your portfolio through your contributions, minimising tax consequences and maintaining your prefered risk exposure. And because our commissions are really low, your returns compound faster over the years. We enable busy people to easily configure their investment cruise-control With the ETFmatic app for Android and iPad/iPhone our customers can efficiently: Set goals for their savings and contribute regularly, preferably in an automated way, to make it a no-effort habit Diversify their investments into low cost index funds or ETFs with low maintenance fees Ensure that the closer they are to using their savings, the less volatility they will have in their portfolio Easily manage their accounts from at any point and from any location And most importantly, rest assured that their assets are kept safe under the custody of one of the most trusted banks in the world Nobel Laureates such as Markowitz and investors like Buffet, back our approach We have developed a propietary algorithm that enables our customers to simply: Define the asset classes and investment instruments that provide best balance between low cost, high market coverage and low tracking error Create template portfolios matched to various combinations of risk tolerance and duration of investment objectives through Modern Portfolio Theory and Asset-Liability Management techniques Manage the order of your investment portfolio securing them in your Custodian Bank Understand your risk preferences and investment objectives to tailor one of the time diversified template portfolios to your specific need Help you monitor and rebalance your portfolio to stay on track

2. Are you investing in ETFs?

3. If you like spending 6-8 hours per
week working on investments, do it.
If you don't, then dollar-cost
average into index funds. This
accomplishes diversification across
assets
and time.
– Warren Buffett
Passive Investment Strategies

4. Costs of Stock Picking

5. http://www.fpanet.org/journal/currentissue/tableofcontents/thetyrannyofcompoundingfees/
Costs of Active Investment

6. http://etfdb.com/2014/why-etfs-are-better-than-mutual-funds-in-two-charts/
Costs of Mutual Funds

7. https://www.spdrs.com/library-content/public/ETF-DIA_20140331_103543.pdf
A Dow Jones Ind. Avg. ETF

8. Costs of Timing the Market

9. Fun with Spreadsheets

10. Costs of Small Print

11. Recipe for Sunday afternoon?

12. We’ve got an app for that!

13. It finds the best ETFs in the market

14. To build the portfolio YOU need

15. Adapting it to YOUR changing needs

16. To help YOU achieve YOUR goals

17. Demo

18. High Street Banks

19. Meanwhile in the US

20. Management Team
@luisriverag
CEO
@johan_hellman
COO
@t_carnell
CTO

21. Advisory Board
Bernard Dumas
Finance Professor
at INSEAD
Juan A. Villalobos
Flashiz, Business Dev.
Former CMO at ING Spain
David M. Lecea
Bain & Co, Financial Services
Principal
Francisco Botella
CFO at Fox Spain
Cristobal Alonso
Telenor Denmark COO