FINLIUM

FINLIUM is a Berlin-based fintech company founded in 2021 by Adrian Fabarius, Carsten Mann, Florian Mann, and Jan Liero. The founders, four fellow university alumni with diverse professional backgrounds in large corporations and consulting, decided to start the company in 2018 after gaining ten years of professional experience. They aimed to make investing accessible to a broader audience, particularly targeting risk-averse individuals in Germany, where a large portion of the population avoids stock market investments due to volatility concerns.

The company's core product is a "stable-return" investment fund, the FINLIUM Ambition (ISIN: DE000A3DQ202), launched in November 2022. This fund is not a typical investment app but rather a financial product that can be purchased through most German banks and brokers. FINLIUM's business model centers on its proprietary, algorithm-driven investment strategy. This technology combines a portfolio of fixed-income securities with an options strategy based on stock indices like the DAX. The algorithm trades options to generate returns even in falling or stagnating markets while using dynamic risk management to hedge against significant losses, aiming for a stable growth trajectory. The company targets an annual return of around 8% while aiming to limit drawdowns to a maximum of 15%.

FINLIUM operates as a fintech by leveraging technology to manage its investment strategy, which would be manually unfeasible, and by using modern, approachable marketing on social media to connect with its target demographic of first-time and cautious investors. The company successfully raised over €550,000 in an angel funding round in April 2024 from investors including prominent figures from the banking sector. This capital is intended for product innovation, enhancing content marketing, launching an institutional B2B tranche of the fund, and team expansion. The fund's assets under management grew from €1 million to over €17 million in its first 14 months, with more than 2,000 clients.

Keywords: stable-return fund, algorithmic trading, options strategy, risk management, wealth management, asset management, fintech, retail investors, investment fund, low volatility investing, capital preservation, financial services, Berlin, Adrian Fabarius, Carsten Mann, Florian Mann, Jan Liero, fixed-income, private investors, investment technology