Smart Wealth: The new era in investing

The best choice for your hard-earned money to work for you

XSpot is on a mission to change the way people invest their money to achieve the best outcomes. We offer world class wealth management services for everyone. We are democratising investments.

When investing, your capital is at Risk

why invest with xspot

We are the first online Wealth Manager in the region. We are fully transparent during the entire process giving you always access at your assets. We give our clients complete clarity over all investment risks and rewards. We do not overcomplicate things when it comes to fees, we simply show you everything. Our Smart Portfolios are globally diversified and sophisticated portfolios, investing in fixed income, stocks, real estate and commodities. At a fraction of the cost of traditional managers, our well diversified portfolios are built to help you achieve your goals sooner.
When investing, your capital is at Risk

how we invest your money

Our experienced portfolio managers create, monitor and manage globally diversified sophisticated investment portfolios, aiming to help you grow your wealth and achieve your goals. With the use of latest technology and arrangements we apply extremely low fees in order to boost your longer-term returns.
01
We start by analysing the global macroeconomic outlook assessing all possible risks and opportunities out there.
02
Our experienced portfolio managers then create, monitor and manage globally diversified sophisticated investment portfolios, aiming to help you grow your wealth and achieve your goals. We use mostly low-cost investments, such as ETFs from leading providers to build your plan and boost your longer term returns.
But nothing would matter if your money wasn’t in safe hands that’s why we keep our clients’ securities with renowned custodians so they always feel their money is well kept with us.
03
With the use of high technology, we constantly monitor all investments in all portfolios, so if something unexpected comes we are ready to rebalance. We will do this only when necessary to keep your plan on track.
When investing, your capital is at Risk
04
At the same time through our in house technology we give you a full view of your invested portfolio 24/7 with complete transparency of all actions and fees We make sure your portfolio is always very well diversified by having the instruments to take full advantage of the good & bad times of markets.

leading providers

We only use low-cost investments, such as ETFs from world’s leading providers to build diversified plans. We believe passive investing with active risk management to be more effective long-term than traditional investment strategies, where portfolio/fund managers pick individual stocks or bonds they think will do best. Learn More
When investing, your capital is at Risk

a transparent fee structure

Here at XSpot we believe the fees have to be reasonable for the investor so his portfolio can grow over the years. We also believe in full transparency that’s why we will inform you about all fees right from the start. We will never hide fees from you.
I want the fees of: Smart Wealth/Tailor Made Portfolio Management / Investment Advice
ongoing fees
fees type
XSpot Management Fees
Performance Fees
Avg. ETF Manager Fees*
Custody Fees
fees
0.75%
0.00%
third party fees
0.15%
0.15%
total
0.75%
0.00%
0.15%
0.15%
one time fees
Entry / Exit Fee
Corporate actions / Reports
Execution & Setttlement Fee
0.00%
0.00%
0.10%
0.00%
0.00%
0.10%
total fees
1.15%
XSpot Management Fees
0.75%
fees
third party fees
0.75%
total
Performance Fees
0.00%
fees
third party fees
0.00%
total
Avg. ETF Manager Fees*
fees
0.15%
third party fees
0.15%
total
Custody Fees
fees
0.15%
third party fees
0.15%
total
Entry / Exit Fee
0.00%
fees
third party fees
0.00%
total
Corporate actions / Reports
0.00%
fees
third party fees
0.00%
total
Execution & Setttlement Fee
fees
0.10%
third party fees
0.10%
total
1.15%
total fees
When investing, your capital is at Risk

what do i get for my fee?

When investing, your capital is at Risk

past performance and track record

Here is how all our portfolios have performed from 30/10/2015 till 30/04/2020 after all fees taken. These figures represent actual past data
PORTFOLIO 6 - Aims for moderate growth without extreme volatility
Balanced Plan
Secured
All Time
30 Sep 12 - 31 Mar 20
+33.33%
+9.25% annualised
5 Years
31 Mar 15 - 31 Mar 20
+5.5%
+1.1% annualised
The chart illustrates past performance for Original Plans only from 01/10/2020. Previous than this date past performance data shown is simulated, but it represents real data from Bloomberg Terminal. Simulated past performance is not a reliable indicator of future performance.
Past performance is not a reliable indicator of future performance
When investing, your capital is at Risk

what our clients say

our clients ask - we reply

It is important to answer every question. If you do not see the question you had in mind here please reach out to our colleagues in the chat and ask. Or better: Book a free consultation appointment and our specialists can explain everything in a live meeting or conference call.

I do not want to ‘lock’ my money for long

We fully understand you might need your money back anytime that’s why we are investing only in very liquid instruments like ETFs so we can liquidate your investment and process the withdrawal back to your bank account within 24 hours. This is assuming your request is given on a business day (no weekends and bank holidays)

Is my money safe with you? What happens if XSpot goes out of business?

While we are here to stay for good, we are always happy to discuss the most important concerns for our clients. XSpot is an EU regulated MIFID II compliant investment company following stringent regulatory and monitoring guidelines and both internal & external audits. Having said that our clients’ money is always staying segregated (separate & never mixed) from company’s assets. We are also a member of the Cypriot Compensation Fund.

When clients investing in our portfolios, we are holding securities only from major stock exchanges on their behalf with prominent custodians. So, since those securities are held under our client’s names in an adverse scenario for XSpot, clients can just request their securities to be moved to a different custodian.

Is there a chance to lose part of my capital when investing?

While you cannot lose all your invested capital as we mainly invest in ETFs from major stock exchanges mainly holding stocks, government and corporate bonds, commodities and real estate based on your profile, you have to be aware that depending on the investment profile you have chosen, you might see some bumps along the way. That’s why all our portfolios come with a planned investment horizon.

In XSpot we will be always transparent with you. Each investment profile has a measured 1-year VaR95 (Value-At-Risk with 95% confidence level). This is the maximum drop your portfolio has experienced in the last 5 years so it gives us a pretty good chance predicting that will stay within these levels. Every portfolio will have a VaR95 metric which means that there are 95% chances your portfolio will not lose more.

Example: A client chooses to invest his EUR 50,000 in the High Risk portfolio for the next 5 years which has yearly expected* investment income of 7.0% in order EUR 17,500 euros before fees in the form of dividends and might also benefit from further upside price growth. For this portfolio our managers have measured a VaR95 of 12.96% which means that there are 95% chances the portfolio will never lose more than 12.96% or EUR 6,480 in any given year. VaR95 means there are still 5% chances your portfolio can drop more than 12.96%

*expected means the predicted sum of dividends from the securities invested for the year ahead, as measured from prominent sources i.e Bloomberg Terminal.

Where do you keep my investments?

Your investments are always kept under your name with big banks. Our portfolios are always invested using ETFs which are then kept in the custody of major A- credit rating banks with stable outlook. In a situation where XSpot goes for administration, you will be contacted by the appointed administrator to transfer the titles under your name in any custodian you choose.

Why ETFs? Why not single stocks or bonds?

Global markets today are more correlated than ever. And we don’t mean geographically only but also in asset class terms. That’s why we believe that the job of traditional asset manager of hand-picking stocks & bonds with the aim to outperform global benchmarks is long gone mainly because of high costs, low diversification and lack of technology.

We believe in a new era of asset management where clients’ portfolios can diversify globally in thousands of securities with a fraction of the costs of traditional portfolios, with clients having access at their investments whenever they feel like.

Why is it important to have access in my portfolio?

It is so old fashioned not being able to monitor your funds 24/7. At XSpot you can do this even from your mobile and should you want to request to close your investments, you could have your funds back as early as next business day.

Do costs really matter when investing?

One of the most important discussions in today’s investing is cost and most importantly the TER or Total Expense Ratio for a portfolio.
TER= Total costs / / Total assets
The TER is comprised of all costs your portfolio will incur, directly or indirectly, and your asset manager is responsible to explain the potential impact these will have over the course of your investment. A TER would normally include:

  • Asset Management Fees
  • Success Fees
  • Execution Fees
  • Settlement Fees
  • Custody Fees
  • Entry Fees
  • Exit Fees
  • Minimum Account Holding fees
  • Statements Fees
  • Other hidden fees

A healthy TER is anything below 2% which lets your portfolio ‘breathe’. We know S&P500 is averaging 6% Total Returns per year for the last years. So if your asset manager/bank is charging you in total 3-4% per year, it means your portfolio is left with just 2-3% only, so no wonder why you end up with small profits after 10 years.

At XSpot we believe that a low TER will help a portfolio grow over the years better than a higher TER where the managers might still do a great job, but still the effect of high fees can ‘eat’ much from your income/growth. That’s why we don’t complicate fees & we charge what we believe is fair to offer world class services and let your portfolio grow over the years. Below you can see an example of the impact of total expenses in a portfolio of 100,000 EUR with 4 different providers after 10 years.

Assuming a EUR 100,000 portfolio invested with 4 providers, and that all managers applied only 1 rebalancing per year and there was no effective change in capital over the period of 10 years. If all providers invested in the same Growth Portfolio targeting a gross 6.50% per year, after a 10-year period with XSpot you’d make extra 33% against Traditional Manager A or 76% more than Bank B. That is a whopping EUR33,000 extra savings against Traditional Manager A or EUR74,000 against Bank B without calculating any compounding on your returns.

So now you understand why costs are so important. Those EUR 1,000 extra per month can go towards your mortgage repayment, kids college fund or even topping up your investments!
So make sure you ask your asset manager of the total costs for your investments not only in % terms but also in EUR terms and always compare to make an informed decision by projecting them 5 or 10 years forward.

How is the old rhyme? Time is money.

Once you fill the entire online application form in less than 30 minutes, our algorithms will automatically score your answers and present you with the best plan. You can then discuss the options and your needs with our specialists to build your personalised plan. All during the free consultation meeting or online.

I do not have a lot of money

You only need a minimum of EUR 5,000 to start a Smart portfolio with us diversifying in thousands of securities and you have instant access on your money all year round.

I do not need to invest. This is not for me

Many people believe that keeping their money in a bank account is the best they can do. But with inflation averaging 2% per year in EU your money will be losing value over time. In Greece for example the cumulative inflation increase over the last 10 years was around 10%, So for EUR 10,000 that’s around EUR 100 loss in real terms assuming that your bank is not charging you any negative rates.

That is why we need a plan to put our hard earned money to work for us. From cash to extremely low risk money market products, government or corporate bonds and stocks, we have the investment plan that suits you.

I do not understand investing / It is too complicated for me

You do not need to worry about this. That is why we have all the experts managing your portfolio. We will only ask you some questions before opening the account to understand what your goals and objectives are. Then it is our job to find the best way to reach them and manage the risks arising.

When investing, your capital is at Risk