Finletic
- Company typePrivate
- Founded2017
- HeadquartersMadrid, Spain
- Headcount51–100
- GTM typeB2C
- OfferingSoftware
Finletic firmographics
Firmographics- Name
- Finletic
- Legal name
- FINLETIC CAPITAL SGIIC, S.A.
- Website
- https://finletic.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Ownership category
- akta.pro rank
Where Finletic is headquartered
LocationHeadquarters
- HQ city
- Madrid
- HQ country
- Spain
- HQ region
- Europe
Offices1 record
Markets served
Finletic business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Portfolio Management Fees: Annual management fee charged on daily managed assets under a tiered structure: 0.6% on assets from €0 to €100,000, 0.5% on €100,001 to €500,000, and 0.4% on €500,001 and above. Fees are increased by applicable VAT and paid monthly.
- Investment Fund Management Costs: Income from managing investment funds in client portfolios, where Finletic leverages aggregated client volume to negotiate favorable conditions with international fund managers
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Standard AUM Fee: 0.6% on assets up to €100,000 |
| Subscription | Monthly | Mid-tier AUM Fee: 0.5% on assets from €100,001 to €500,000 |
| Subscription | Monthly | Premium AUM Fee: 0.4% on assets above €500,001 |
| Subscription | Quarterly | Custody Fee: 0.10% plus VAT on average balance |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels4 records
Finletic product offering
Product offeringCore offering
Finletic provides automated, customized asset allocation portfolios to individual investors through its proprietary WealthTech platform. Each client receives a personalized investment plan derived from their risk profile and financial objectives, with portfolios continuously monitored 24/7 and automatically rebalanced across diversified global funds. Client assets are held in segregated accounts at custodian Banco Inversis, while Finletic operates under CNMV SGIIC license number 257.
Product overview
Finletic operates as a digital wealth management platform (WealthTech) offering a unified suite of investment services. The core offering centers on a Personalized Investment Plan, supported by proprietary technology that designs and manages custom asset allocation portfolios based on each client's risk profile and financial objectives. The product ecosystem includes the International Equity Markets investment fund (their flagship fund), pension plans launched in 2020, and an investment simulator tool. All investments are executed through a proprietary platform with 24/7 automated monitoring, and client portfolios are held in segregated accounts at partner custodian Banco Inversis.
Differentiator
Problem solved
Functional benefit
Brands
- International Equity Markets: An investment fund launched by Finletic that invests primarily in equities (75-95% equity exposure) through financial IICs, managed by Finletic and deposited at Banco Inversis.
Products and services
- Personalized Investment Plan A customized investment strategy designed for each client based on personal circumstances, risk profile, and financial goals, with assets allocated automatically and monitored 24/7 by Finletic's proprietary technology platform. Intended for individual Spanish investors seeking goal-aligned wealth management.
- International Equity Markets Fund An equity-focused investment fund investing over 50% of assets in financial IICs, with 75-95% exposure to equities under normal market conditions. Managed by Finletic and held in custody at Banco Inversis; targeted at investors implementing portfolios through companies, allowing fewer products in the portfolio and optimizing operations and tax impact of rebalancing.
- Pension Plans Retirement savings plans (planes de pensiones) launched in April 2020 that expanded Finletic's product range beyond investment management to include pension products for Spanish retail investors planning for retirement.
- Portfolio Management Service Automated investment portfolio management using a proprietary technology platform, with 24/7 monitoring and automatic rebalancing according to client priorities and risk profile. Client portfolios are executed in optimized, automatic fashion with contributions assigned by priority (short-term, then medium-term, then long-term objectives).
Quantifiable outcome
- Save up to 93% in investment costs compared to average Spanish funds
- +4 more outcomes
Companies that use Finletic
Customer profileNamed customers2 records
Segments1 record
Ideal customer profiles1 record
Finletic technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Feature3 records
Finletic partnerships and signals
Strategic signalScale indicators5 records
Recent moves8 records
Expansion highlights4 records
Finletic competitors and assessment
Company assessmentDirect peers
- Indexa Capital: Spain's largest robo-advisor, offering automated diversified portfolios, pension plans, and savings products through a similar SGIIC-style structure. Direct competitor in the same Spanish mass-affluent segment with the same fee-based, self-serve digital model.
- Myinvestor: Spanish digital wealth platform backed by Andbank, AXA, and El Corte Inglés, offering index funds, pension plans, and automated portfolios. Closely comparable in product mix and target customer, with stronger institutional backing.
- Scalable Capital: Munich-based European digital wealth manager offering broker and robo-advisor services across Germany, Austria, Switzerland, and Spain. Directly comparable on automated portfolio management and self-serve PLG onboarding, with broader geographic reach.
- Moneyfarm: UK- and Italy-focused digital wealth manager combining automated portfolio management with human advisory tiers. Comparable on goal-based planning, AUM-based fee model, and pension product coverage, operating across similar European retail segments.
- Nutmeg: UK digital wealth manager (JPMorgan-owned) offering ISA, SIPP, and general investment portfolios via automated allocation. Closely comparable on automated portfolio construction, AUM-based pricing, and pension/retirement product set.
- Wealthsimple: Canadian digital wealth manager offering automated investing, trading, and tax-advantaged accounts (TFSA/RRSP). Directly comparable on low-cost automated portfolios, flat-tiered fees, and a self-serve digital platform serving mass-affluent retail.
- Betterment: US pioneer of automated goal-based investing with AUM-based fees and tax-loss harvesting. Closely comparable on automated portfolio construction, tiered pricing, and goal-based retirement planning, though at much larger scale and in a more mature market.
- Interactive Investor: UK flat-fee investment platform offering ISAs, SIPPs, funds, and shares for self-directed and advised investors. Comparable on retail-facing digital wealth, pension products, and tiered/flat pricing economics.
Broad incumbents
- Openbank: Santander Group's 100% digital bank, offering investment funds, pension plans, and automated portfolios in Spain. Larger incumbent competing in the same mass-market segment with deeper balance sheet and broader product suite.
Emerging players
- Trade Republic: European commission-free broker expanding into savings plans, pension products, and managed portfolios across Germany, France, Spain, and beyond. Emerging wealth-management competitor with strong digital distribution and pricing aggression in the same retail segment.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Finletic social profiles
Digital presenceFinletic compliance and trust
Trust signalCompliance4 records
Finletic financial estimates
Financial estimateRevenue estimate
Valuation estimate
Finletic leadership team
Management profileNumber of profiles
Profiles1 record
Finletic funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Finletic M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Finletic
What does Finletic do?
Finletic provides automated, customized asset allocation portfolios to individual investors through its proprietary WealthTech platform. Each client receives a personalized investment plan derived from their risk profile and financial objectives, with portfolios continuously monitored 24/7 and automatically rebalanced across diversified global funds. Client assets are held in segregated accounts at custodian Banco Inversis, while Finletic operates under CNMV SGIIC license number 257.
Is Finletic a public or private company?
Finletic is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Finletic founded?
Finletic was founded in 2017. It employs 51 to 100 people.
Where is Finletic based?
Finletic is headquartered in Madrid, Spain, in the Europe region.
How does Finletic make money?
Two revenue lines are on record. Portfolio Management Fees are the primary driver. The others are investment Fund Management Costs.
Who are Finletic's main competitors?
Direct peers on record are Indexa Capital, Myinvestor, Scalable Capital, Moneyfarm, Nutmeg, Wealthsimple, Betterment and Interactive Investor. Openbank is listed as a broad incumbent. Trade Republic is listed as an emerging player.
Does Finletic have an API?
No public API is recorded for Finletic.