Growney

Based in Berlin, Growney GmbH operates as a digital asset management firm, established in 2014 with its market launch in 2016. The company provides private and corporate clients with access to the capital markets through a robo-advisory platform. Growney’s business operates on a multi-channel strategy, encompassing a direct-to-consumer (B2C) platform, a business-to-business (B2B) offering, and a business-to-business-to-consumer (B2B2C) model for financial intermediaries like broker pools.

The firm’s core B2C service offers automated and diversified investment portfolios primarily utilizing exchange-traded funds (ETFs). This service is designed to provide a straightforward and cost-effective method for long-term wealth accumulation, with investment options starting from a €500 initial deposit or a €25 monthly savings plan. The investment philosophy is grounded in a passive strategy, aiming to replicate market returns through broad diversification across more than 5,000 stocks and bonds from 45 countries rather than attempting to outperform the market. Clients are offered various strategies tailored to their individual risk tolerance, including options for sustainable investing.

Revenue for its B2C segment is generated through an all-in fee based on the client's portfolio value, starting at 0.38% per annum. For its B2B and B2B2C clients, Growney has developed Growney Technology, a distinct segment that provides its robo-advisory technology as a white-label or cooperative solution. This allows other financial institutions such as banks, insurance companies, and asset managers to integrate digital asset management into their own services. The B2B platform is modular, offering solutions for client onboarding, back-office automation, and asset allocation, which can be combined with the partner's existing custodian bank via an API.

Keywords: digital asset management, robo-advisor, ETF investing, wealth management, financial technology, B2B financial solutions, passive investment strategy, online investment platform, automated portfolio management, private wealth, corporate investment, white-label robo-advisor, B2B2C finance, capital market access, investment savings plan, sustainable investing, Berlin fintech, Growney Technology, asset allocation tools, financial advisory platform