Ubanking (.dk) is owned 100% by Danish domiciled entity Ubanking ApS

Ubanking.dk is an advanced successor to www.investmentexcel.com. Like other products in the Ubanking ApS family Ubanking is a digital platform addressing financial investments for private investors.

The Ubanking core modelling framework is technical as it is founded on models in statistics, mathematics and economics. However, most complicated is the User accessibility and flexibility optionality. Building this requires not only PhD technical involvement, but also very experienced professional people from financial markets. Ubanking is built using various consultants, albeit driven by MSc in Economics and Finance, author and CEO Thomas Peter Clausen.

Ubanking ApS also offers Ubanking Denmark, which is a digital Wealth and semi-digital Pension service. Ubanking Denmark is found on www.formuetesten.dk and www.pensionsvejen.dk (latter being active from 01.12.20).

The Ubanking core modelling framework is technical as it is founded on models in statistics, mathematics and economics. However, most complicated is the User accessibility and flexibility optionality. Building this requires not only PhD technical involvement, but also very experienced professional people from financial markets. Ubanking is built using various consultants, albeit driven by MSc in Economics and Finance, author and CEO Thomas Peter Clausen.

The User-simple and User-driven investment and portfolio flow with professionally guided assistance from a robot. Ubanking essentially offers portfolio management software, yet with a professional algorithm to support User in decision making.

To equip also non-professionals investors with a set of transparent, easily understood and manageable tools. Tools, today only in the hands of professional bankers. Ultimately, Ubanking reduces the difference between professionals and amateurs to a point, where practically only luck matters for who is the best. E.g. guessing on tomorrows market return.

Because banks have no commercial interest in making public their investment tools. Not to mention a product universe where investors can choose among cheapest products.

Because it can only be implemented with a high-level mix of know-how, technology and financial products.

Ubanking does not offer products per se, rather digital investment solutions. Hence products are ultimately wrapped into a mailed PDF file, containing all details for User’s optimal and perhaps personalized choice. Including specific trading-ticket details.

All Ubanking in-build standardized solutions assumes long-only 100% wealth with upfront money and 0 recurrent savings/dissavings. However, the system handles both leveraged as well as unleveraged portfolios based on the upfront amount. Even 0-upfront amount certificates can be used, though at LIBOR +/- 1.5% borrow lend cost.

UB dynamically builds 4 global fund portfolios. Each optimal and defined by a User risk-appetite from 1-4. These solutions can be readily downloaded or be modified.

UB offers an intuitive dashboard for portfolio management. When User creates a smart portfolio the UB robot assists to maximize output. All standard solutions can be reached in the dashboard by simply switching between them.

UB solutions are calibrated on a multi-asset class model portfolio of Funds. See the “Advanced How it Works”

Standard solutions are created from a model portfolio Fund structure of global asset classes linked to global economies. If User decides to modify either of the pre-defined 4 portfolios, then single stocks can be included. From the final allocation User can apply other mimicking return, risk and cost products and certificates.

Yes, by switching off “bonds”. Portfolio will recalibrate and optimize based on 0% bond exposure.

Yes. by switching on “single stocks”. User can select number of companies (stocks) for each asset class country, and also type in expectations of stock individual returns.

Yes, its unavoidable in a global portfolio.

Equilibrium inflations differentials between base currency and home country. These are typically central bank long-term guidelines.

Both.

Professionals, including Ubanking, builds investment solutions on a gross tax basis (but net cost). The assumption is it that tax, does not change the composition in portfolios.

Ubanking portfolios change according to short-term and long-term dynamics of risk and return. The needle in the compass is to maximize the chance of getting over time the best risk-adjusted return. Whilst long-term dynamics are founded in objective assumptions from BlackRock Inc., ECB, and IMF, short-term dynamics are founded in Ubanking risk-on/risk-off tactics.

The Portal is User’s Portfolio Management system

The Portal is created so that User can start selecting a system optimal solution based on User’s risk-appetite. From “Ubanking Safe” (low risk) to “Ubanking Super Opportune” (very high risk). From this basis User can make modifications.

No, a Robot guides in moving User portfolio towards smart solution.

Yes, the Portal has a general on/off function. The Robot then builds a new optimal portfolio given deactivated bond risk. Bond exposure goes to cash exposure.

This is one place where Ubanking had to make a restriction or limitation on User maneuverability. 99% of Users have no (strong) conviction on relative pricing between bonds or interest rates.

Yes. You can even add own expectations of single stock return.

If gross exposure is 100% the portfolio is a “normal” portfolio where all weights are positive and sum to 100%. When gross exposure on equity is higher than 100% we call “long equity exposure”, and if gross equity exposure is less than 0, we call it “short equity exposure”. The “gross” means that intra equity classes we can have maybe -200% and +500%. In this case gross is 300%.

It’s a measure of (un)leverage versus Cash. So, 130% means a portfolio is created with e.g. 100 upfront investment and another 30 from borrowing. “Cash” will in this case show -30% or -30 (in money). With say 70% as gross exposure a portfolio is created with -70 in equities and 70 in cash.

Either by borrowing funds in the money market or by entering into certificates or CFD’s.

Either by investing proceeds in money market (short selling) or entering short CFD.

Yes, in CFD.

Yes, net returns, and via costs.

We call this “Ruin” probability. No, with margin products expected return is somewhat overestimated in the Dashboard. Expected return is a horizon average of stochastic outcomes of exponentialized logreturns, that might have been very negative during horizon path.

No, not directly in the Portal. But you can easily use the Portal “as if” you used other Funds. This works via the added excess return function, where User can subtract or add the cost difference between the Funds.

Yes.

Build your own system or book session on www.pensionsvejen.dk/bookexpert (from 01.12.20).

No. Risk assumptions are fixed in the system to simplify User’s flexibility. We can do it for you manually on www.pensionsvejen.dk/bookexpert (from 01.12.20).

Yes. But you need to do it indirectly via the “Market return” or “Excess return” in the “Modify global equity” or “Modify local equity”.

It is a key figure that states User’s probability of reaching a certain minimum amount of wealth in the future given savings plan. So, e.g. GRI=40% could mean 40% chance of reaching minimum EUR 100.000 in 2 years.

Ubanking Academy is an educational forum with video and Excel tutorials within various topics.

It is ecommerce. So, all Users can download products. Some are free others are priced.

Yes.

Please contact us. If the idea is sellable to others, we do it for free. Otherwise we charge.

Yes, but you cannot distribute to others than family. See Terms of Conditions.

Ubanking.dk has 3 types of accesses to professionally build investment portfolios and the Portal differentiated by functional accessibility.  

Ubanking offers a Free Version with limited access, a full-access and partial-access membership around EUR 10-20/month.  

You can do that by unsubscribing just after creation. Nordic investors, however can also use “Ubanking Formuetesten”, www.formuetesten.dk.

The rolling membership User becomes a “Private Ubanking Client”. It means that the User receivers Newsletters on when Ubanking makes changes in the model portfolios. Changers based on short-term risk-appetite on/off dynamics and long-term structural risk-premia dynamics.

On a rolling monthly forward basis.

Go to unsubscribe in membership page

No. The Academy is an independent ecommerce window.

No. It’s forbidden. See Term of Conditions.

Members can then go to “Trade View” and see details. After that sent an E-mail with all details.

All instruments are simple and can be traded on most online platforms. We use Saxo Bank, saxobank.com. Otherwise contact your bank.

You can always book virtual meeting with one of our (human) experts. www.pensionsvejen/bookexperts.

Yes. Always through brokers. But in many cases without.

See the “Academy”.

It means you need to finance 30% of your portfolio size.

Cash rate + High Yield spread in local currency

It means you physically short sell (shorting) 20%. Cash is reinvested at cash rate in local currency.

Yes. But you have to find the certificates yourselves within the regions. Type 0 in portfolio size and use the allocation weights as money proxies into your certificate.

You first go to Ubanking.dk and select a Ubanking solution or make another one yourself. Sent the mail and compare the new portfolio with your existing LIVE portfolio. Rebalance by trading the differences. Help can be found in the Academy or www.pensionsvejen/bookexperts.

When Ubanking changes the 4 investment solutions, it is not a rebalancing. It is a recalibration to a new tactic or strategy. The 4 solutions are fixed weight benchmarks, that User is herself responsible for rebalancing to on a regularly basis. As Users “buy” the portfolios different days Ubanking cannot sent out when a rebalancing must take place. Ubanking can only recalibrate, and with recalibration of course User also get the compositions right again.

No. In practice recalibration of Ubanking portfolios occur so frequently, that any drift in weights between Equity and Bonds or countries, is irrelevant.