The Algorithmic Wealth Architect
Minveo isn't a layer of software over legacy processes. It is a precision-engineered financial engine where every allocation, risk adjustment, and tax decision is computed in real-time. We translate institutional-grade investment logic into automated pathways for private and institutional clients across Germany and the United States.
This is wealth management stripped of friction and rebuilt with intelligence. The system ingests market data, macro signals, and your unique financial identity to construct portfolios that adapt—moment by moment—to the conditions that matter.
The Risk Fingerprint Protocol
Risk profiling is not a questionnaire; it is a biometric identity for your financial behavior. We move beyond static surveys to dynamic probability modeling that maps your actual capacity for loss against volatility regimes.
Your fingerprint evolves. As your life circumstances change, as markets reprice risk, the protocol recalibrates—ensuring your portfolio is never overexposed or underinvested relative to your true tolerance.
Evaluation Method Note
Our methodology uses Monte Carlo simulations across 10,000 scenarios to stress-test allocation durability. This approach acknowledges that historical volatility is an incomplete predictor of future drawdowns. The model is conservative, prioritizing capital preservation over aggressive upside capture.
Behavioral Mapping
We analyze decision patterns: reaction time to losses, consistency of contributions, and spending volatility. This reveals the gap between stated tolerance and actual behavior.
Macro Stress Testing
Your fingerprint is tested against 20+ macro shock scenarios (inflation spikes, rate shocks, geopolitical events) to ensure resilience across regimes, not just cycles.
Automated Alpha Engine
Rebalancing isn't a calendar event; it's a continuous optimization problem. Minveo’s engine monitors drift thresholds, tax implications, and transaction costs in parallel—executing trades only when the net expected value exceeds the friction.
This means your portfolio compounds efficiently. Drift is captured as alpha. Tax liabilities are minimized through intelligent loss harvesting. And you never pay a transaction fee unless it adds measurable value to your long-term outcome.
- Intra-day drift monitoring with threshold-based triggers
- Tax-loss harvesting across all account types (DE/US compliant)
- Cost-aware execution routing (smart order routing)
The Minveo Mandate
Suitability, minimums, and who this is built for.
Where to Start
If you have €50,000+ in investable assets and want systematic growth without daily decisions, begin with the Risk Fingerprint Protocol. Institutions should request the technical whitepaper.
Private Investors
Minimum account size: €50,000 (€25,000 for tax-advantaged accounts). Ideal for professionals seeking institutional-grade automation for long-term wealth building.
Family Offices
Custom mandates with tax-aware rebalancing across multiple jurisdictions. We support direct indexing and individual fixed income ladders.
Institutions
White-label infrastructure and API access for asset managers. Full portfolio management stack as a service (PMaaS).
Questions Investors Should Ask
How does Minveo handle cross-border tax complexity?
We model US PFIC rules and German Kapitalertragsteuer simultaneously, optimizing asset location before execution.
What happens during a market crash?
Your risk fingerprint triggers defensive rebalancing—systematic de-risking based on volatility regimes, not panic.
Are you a fiduciary?
Minveo AG operates under strict fiduciary standards in Germany. Our US partners are registered investment advisors.
How transparent is the fee structure?
All fees are stated upfront. We do not accept kickbacks or platform payments. You pay for execution and management only.
Can I link external accounts?
Yes. Our aggregation engine ingests external holdings for holistic risk modeling, even if we don’t manage those assets.
What data sources power the AI?
We ingest Bloomberg, Refinitiv, and proprietary sentiment feeds. All data is validated and time-stamped before model ingestion.
Ready to Digitize Your Wealth?
Connect with a Minveo specialist to map your Risk Fingerprint and receive a preliminary portfolio architecture—no obligation, no generic sales pitch.
Services available in Germany and the United States. Minimums apply.