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What We Do

Investment Solutions

We offer August Invest Solutions (AIS). A New Generation investment robotized approach that facilitates super cheap access to the highest global market returns, given your personal risk preferences. AIS constitutes a family of global investment portfolios that not only follow benchmarks, they are the benchmarks.

All portfolios are calibrated to an “Equilibrium Asset Allocation” (EAA) technique, that disallows any risky active management, and is designed to capture structural market returns. Our sophisticated Robot AIS, is philosophically and algorithmically founded on suggested investment principles of 50 years of financial research. The Robot is further founded on structural assumptions suggested by the world’s largest asset manager, BlackRock Inc.

Financial Education

We offer a large range of educational tutorials within finance and economics. Theoretical and applied topics are illustrated using Microsoft Excel and recorded in short narrated videos. All available for download. You will find textbook classical topics within Equities, Fixed Income and Portfolio Theory”.

All material pedagogically presented with speak from financial and academic professionals. Many topics covered, are theoretically described in the comprehensive investment books, “Investering I Aktier – En Generel Indføring I Teori og Praksis”, Gyldendal (November 2018), and “Investment Theory And Application – A Microeconomic and Climate Perspective”, New Palgrave Macmillan (spring 2020).

Trading Analysis

We offer a broad range of tools for investment and trading analysis. Primarily addressing fundamental values of financial assets. All tools are available in Microsoft Excel and video format. To support analysis of stocks and other assets you will also find tools to retrieve data from the internet via programmed API solutions.

Currently it is possible to download a tool that establishes a link from Yahoo to Excel. This section also includes tools on rebalancing of portfolios, which can be applied when rebalancing August Invest Solutions. Tools on risk-return analysis and performance analysis are similarly available and with focus on practical application.

Why Use August Invest Solutions

Paul Samuelson, Nobel Prize (1970)
William Sharpe, Nobel Prize (1990)
Harry Markowitz, Nobel Prize (1990)
Eugene Fama, Nobel Prize (2013)
Investmentexcel.com is philosophically and mathematically founded on the framework calibrated by this panel.
“Markets are efficient, but there are different dimensions of risk and those lead to different dimensions of expected returns. That's what people should be concerned with in their investment decisions and not with whether they can pick stocks, pick winners and losers among the various managers delivering basically the same product”

“I can't figure out why anyone invests in active management (…). Since I think everything is appropriately priced, my advice would be to avoid high fees”
Academic approach and BlackRock Inc.
Redundant banks and FREE access
Broad range of solutions with home-bias
Rebalancing of solutions
Low costs and full diversification
Historical performance
Transparency
Responsible and “Green” investment

August Invest Solutions

We offer Free access to global investment solutions targeted investors in US, European Union, Denmark and India. For each region a family of 4 standardized portfolio solutions span the typical risk universe of investors and can be readily implemented in Retirement portfolios or Cash-at-Hand portfolios. A target investor region implies home-bias and very low currency risk in an otherwise global portfolio.

All 20 portfolios are professionally constructed based on scientific research and the multi-decade industry experience of Investmentexcel.com staff. The investment process and philosophy, target an optimal monetary return given client-driven risk profiles as per individual solution. Further, our solutions include to a large extent, Climate considerations and general Environmental, Social, Governance (ESG) considerations. The general construction is builtd through 8-12 carefully selected Exchange-Traded-Funds (ETF) in turn leaving all portfolios fully diversified with 500+ underlying securities.

In the following two-step procedure, you need to first decide on your “home-country” (region), and then, based on your risk-appetite, one of the suggested solutions for that "home-country". You can view all currently offered August Invest solutions in comparison here.

Please select "home-country"

  • DK
  • NO
  • SE
  • FIN
  • US
  • EU
  • UK
  • IND

You can now select from the menu below. Except for August Customized all solutions have an in-built risk-appetite target, “home-bias” weight constraint and asset class weight constraint. August Invest Green differentiates with being largely exposed to Green Technology Equities.

In case of doubt about your risk-appetite, please refer to this guidance on risk profiles in August Invest. In case of doubt of general portfolio frameworks, please refer to this guidance on portfolio profiles in August Invest. In the upper right corner of each product, you will find the Free access for regionally suggested solutions.

Please select solution

August Safe – FIN
  • A low risk solution with high ESG score
  • Fully diversified and optimized
  • Investment horizon 1-3 years
  • Only cheap passive funds (ETF’s)
August Balanced - FIN
  • A medium risk solution with high ESG score
  • Fully diversified and optimized
  • Investment horizon 3-8 years
  • Only cheap passive funds (ETF’s)
August Opportune – FIN
  • A high risk solution with high ESG score
  • Fully diversified and optimized
  • Investment horizon 8 + years
  • Only cheap passive funds (ETF’s)
August Green – FIN
  • A high risk solution with strong “Green” tilt
  • Fully diversified and optimized
  • Investment horizon 1-3 years
  • Only cheap passive funds (ETF’s)

Finanstilsynet (FSA) Approval Required

August Customized – FIN
  • Your own Robot Manager
  • Building personal solutions
  • Building delegated solutions
  • Active and passive funds securities
August Safe – SE
  • A low risk solution with high ESG score
  • Fully diversified and optimized
  • Investment horizon 1-3 years
  • Only cheap passive funds (ETF’s)
August Balanced – SE
  • A medium risk solution with high ESG score
  • Fully diversified and optimized
  • Investment horizon 3-8 years
  • Only cheap passive funds (ETF’s)
August Opportune – SE
  • A high risk solution with high ESG score
  • Fully diversified and optimized
  • Investment horizon 8 + years
  • Only cheap passive funds (ETF’s)
August Green – SE
  • A high risk solution with strong “Green” tilt
  • Fully diversified and optimized
  • Investment horizon 1-3 years
  • Only cheap passive funds (ETF’s)

Finanstilsynet (FSA) Approval Required

August Customized - SE
  • Your own Robot Manager
  • Building personal solutions
  • Building delegated solutions
  • Active and passive funds securities
August Safe - No
  • A low risk solution with high ESG score
  • Fully diversified and optimized
  • Investment horizon 1-3 years
  • Only cheap passive funds (ETF’s)
August Balanced - No
  • A medium risk solution with high ESG score
  • Fully diversified and optimized
  • Investment horizon 3-8 years
  • Only cheap passive funds (ETF’s)
August Opportune - No
  • A high risk solution with high ESG score
  • Fully diversified and optimized
  • Investment horizon 8 + years
  • Only cheap passive funds (ETF’s)
August Green – No
  • A high risk solution with strong “Green” tilt
  • Fully diversified and optimized
  • Investment horizon 1-3 years
  • Only cheap passive funds (ETF’s)

Finanstilsynet (FSA) Approval Required

August Customized – No
  • Your own Robot Manager
  • Building personal solutions
  • Building delegated solutions
  • Active and passive funds securities
August Safe - INDIA
  • A low risk solution with high ESG score
  • Fully diversified and optimized
  • Investment horizon 1-3 years
  • Only cheap passive funds (ETF’s)
August Balanced - INDIA
  • A medium risk solution with high ESG score
  • Fully diversified and optimized
  • Investment horizon 3-8 years
  • Only cheap passive funds (ETF’s)
August Opportune - INDIA
  • A high risk solution with high ESG score
  • Fully diversified and optimized
  • Investment horizon 8 + years
  • Only cheap passive funds (ETF’s)
August Green - INDIA
  • A high risk solution with strong “Green” tilt
  • Fully diversified and optimized
  • Investment horizon 1-3 years
  • Only cheap passive funds (ETF’s)

Finanstilsynet (FSA) Approval Required

August Customized - INDIA
  • Your own Robot Manager
  • Building personal solutions
  • Building delegated solutions
  • Active and passive funds securities
August Safe - US
  • A low risk solution with high ESG score
  • Fully diversified and optimized
  • Investment horizon 1-3 years
  • Only cheap passive funds (ETF’s)
August Balanced - US
  • A medium risk solution with high ESG score
  • Fully diversified and optimized
  • Investment horizon 3-8 years
  • Only cheap passive funds (ETF’s)
August Opportune - US
  • A high risk solution with high ESG score
  • Fully diversified and optimized
  • Investment horizon 8 + years
  • Only cheap passive funds (ETF’s)
August Green - US
  • A high risk solution with strong “Green” tilt
  • Fully diversified and optimized
  • Investment horizon 1-3 years
  • Only cheap passive funds (ETF’s)

Finanstilsynet (FSA) Approval Required

August Customized - US
  • Your own Robot Manager
  • Building personal solutions
  • Building delegated solutions
  • Active and passive funds securities
August Safe - EU
  • A low risk solution with high ESG score
  • Fully diversified and optimized
  • Investment horizon 1-3 years
  • Only cheap passive funds (ETF’s)
August Balanced - EU
  • A medium risk solution with high ESG score
  • Fully diversified and optimized
  • Investment horizon 3-8 years
  • Only cheap passive funds (ETF’s)
August Opportune - EU
  • A high risk solution with high ESG score
  • Fully diversified and optimized
  • Investment horizon 8 + years
  • Only cheap passive funds (ETF’s)
August Green - EU
  • A high risk solution with strong “Green” tilt
  • Fully diversified and optimized
  • Investment horizon 1-3 years
  • Only cheap passive funds (ETF’s)

Finanstilsynet (FSA) Approval Required

August Customized - EU
  • Your own Robot Manager
  • Building personal solutions
  • Building delegated solutions
  • Active and passive funds securities
August Safe - UK
  • A low risk solution with high ESG score
  • Fully diversified and optimized
  • Investment horizon 1-3 years
  • Only cheap passive funds (ETF’s)
August Balanced - UK
  • A medium risk solution with high ESG score
  • Fully diversified and optimized
  • Investment horizon 3-8 years
  • Only cheap passive funds (ETF’s)
August Opportune - UK
  • A high risk solution with high ESG score
  • Fully diversified and optimized
  • Investment horizon 8 + years
  • Only cheap passive funds (ETF’s)
August Green - UK
  • A high risk solution with strong “Green” tilt
  • Fully diversified and optimized
  • Investment horizon 1-3 years
  • Only cheap passive funds (ETF’s)

Finanstilsynet (FSA) Approval Required

August Customized - UK
  • Your own Robot Manager
  • Building personal solutions
  • Building delegated solutions
  • Active and passive funds securities
August Safe - DK
  • A low risk solution with high ESG score
  • Fully diversified and optimized
  • Investment horizon 1-3 years
  • Only cheap passive funds (ETF’s)
August Balanced – DK
  • A medium risk solution with high ESG score
  • Fully diversified and optimized
  • Investment horizon 3-8 years
  • Only cheap passive funds (ETF’s)
August Opportune - DK
  • A high risk solution with high ESG score
  • Fully diversified and optimized
  • Investment horizon 8 + years
  • Only cheap passive funds (ETF’s)
August Green - DK
  • A high risk solution with strong “Green” tilt
  • Fully diversified and optimized
  • Investment horizon 1-3 years
  • Only cheap passive funds (ETF’s)

Finanstilsynet (FSA) Approval Required

August Customized - DK
  • Your own Robot Manager
  • Building personal solutions
  • Building delegated solutions
  • Active and passive funds securities

What We Offer

BASIC

Free

  • Fund screening and selection
  • Equilibrium analysis
  • Constraint analysis and simulation
  • Investor utility optimization
  • Mechanic rebalancing 2 times pr. year

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Premium

Subscription

$

  • Fund screening and selection
  • Equilibrium analysis
  • Constraint analysis and simulation
  • Investor utility optimization
  • Mechanic rebalancing 2 times pr. year
  • Individual monitoring
  • Rebalancing newsletter
  • Direct Hotline

Read More

Raw Meat - No Fat

Your wealth will increase with fundamental building blocks in the microeconomy and macroeconomy over time. For example, due to changes in- productivity and demographics. August Invest is invariably linked to this structural trend via an “Equilibrium Asset Allocation” (EAA) approach. As such, EAA disallows trading to opportunistically capture random fluctuations around this trend.

In a Western word with nearly zero interest rates on secure assets, investment related costs-charges are critically important for investors. August Invest offers a range of solutions with lowest possible costs. Across our solutions the fee is only 0,25% p.a. versus 1,25% p.a. on bank platforms and 2,25% on active bank solutions.

What does this mean?

It means that, over 30 years your current portfolio will be reduced by almost 50% in active bank funds, and only 7% in August Invest.

Why?

Because costs have exactly the same feature on investor wealth as macroeconomic inflation. It dilutes geometrically the value. It is simply a negative return with the compounding feature. Investmentexcel.com offers August Invest Solutions for free. The only investor cost-charge is an unavoidable cost related to the underlying 8-12 ETF’s in the solutions. Those ETF's that cover the global investment universe in a fully diversified manner.

0,25%


August Invest Solutions

Only cost-charge for underlying ETF structure. We offer Equilibrium Asset Allocation (EAA) for free, which includes Fund Selection, Portfolio Construction, Constraint Analysis and Optimization.

1,25%


Index Platform Solutions

Cost-charge for underlying ETF structure, Fund Selection, Portfolio Construction and Tactical Asset Allocation (TAA)

2,25%


Active Invest Solutions

Cost-charge for underlying Funds, Fund Selection, Portfolio Construction, Strategical Asset Allocation (SAA), Tactical Asset Allocation (TAA) and Dynamical Asset Allocation (DAA)

A Typical Cost Example

The monitor visualizes 3 portfolios with same underlying securities and hence identical return and risk profiles. The only difference is the associated cost-charges. We see how the Net Return after cost-charge is diluted geometrically. After 30 years (360 months) a typical high-risk actively managed fund has lost 50% of the initial investment. On cost-charge alone.

How We Differ – At a Glance!

August Invest Solution Robot Platform Solution Active Balanced Solution
Global Asset Class Exposure
Fund Selection
Optimized and Diversified
Individual Risk-Aversion Structure
Opportunistic Trading (active overlay)
Minimum Portfolio Size (USD)
Access To Own Portfolio Account
Risk Transparency
Return Transparancy
Income Distribution (Dividends)
Access to Investment Platform



New book on the market!

Published in 2018 this investment book written in Danish, offers a comprehensive insight into financial theory and applications. Classical and contemporary research is covered and vastly exemplified with real-world cases. The application part of the book takes the reader into the very front desk of financial markets in equity and multi asset management. The entire book is build on a philosophical premise, that financial intuition is best captured through mathematical and MS Excel exercises.