WISE Robo Advisor - MorgenFund: Hybrid Robo-Advisor with Expertise

This project, MorgenFund Online Investing, offers a digital asset management service, providing individuals with the opportunity to invest their money efficiently and conveniently. By utilizing algorithms, investors are allocated to one of 19 model portfolios tailored to their investment horizon, risk tolerance, financial circumstances, and other personal details. These portfolios vary in asset class composition, including shares, money market, bonds, and alternative investments, reflecting different risk levels and potential returns.

Investors can start with as little as €50 a month or a one-time investment of €400, with asset management fees of just 0.75% per year and no minimum term. The investment process is fully digital, enabling users to invest in just 15 minutes using a photo of their ID and signature. Despite its digital nature, MorgenFund emphasizes personalized contact and support, ensuring investors feel secure and informed throughout the process.

The service offers the advantages of both automated online tools and human expertise, as portfolio management is carried out in cooperation with DWS, a subsidiary of Deutsche Bank. Investments are diversified across a mix of active and passive investment funds, including Exchange Traded Funds (ETFs), selected by DWS's fund research team based on market conditions and investor preferences. With a focus on simplicity, accessibility, and performance, MorgenFund Online Investing aims to empower individuals to achieve their financial goals efficiently and effectively.