Luminar Invest is an investment management platform created for people who want their capital to work — without becoming a second job. We allocate, monitor and rebalance across three durable asset classes, so you can live your life with confidence that yours is being looked after with discipline.
Luminar Invest was founded on a simple frustration. The investing industry had become a confusing collage of broker apps, ETFs, robo-advisors and influencers — each optimised for engagement, not for outcomes.
We wanted something else. A modern house that combined the calm precision of a private bank with the transparency of a 21st-century product. A place where allocation decisions are made by humans you can name, executed on infrastructure you can audit, and reported to you with the clarity of a magazine.
We started in 2023 with a single mandate — Luminar Invest Balanced — and a conviction that three asset classes were enough to build a durable portfolio: gold for resilience, global equities for compounding, and a curated basket of digital assets for asymmetric upside. Two years later, our clients across Europe trust us with more than one hundred and twenty million euros.
The thesis hasn't changed. We still believe that most investors lose money to two things: emotion and fees. We remove both. Our investment committee meets every Monday, rebalances when drift demands it, and otherwise does nothing — because doing nothing, when nothing should be done, is the hardest and most valuable skill in this business.
And we charge one transparent fee — 1% per year, all-inclusive. No performance fee, no retrocession, no spread games. If your portfolio grows, ours grows with you. If it doesn't, neither does ours.
All assets are held by Tier-1 regulated custodians. Gold is allocated, vaulted and audited; equities are held 1:1 by our institutional custodian; digital assets sit in qualified cold storage.
Luminar Invest operates through a regulated asset management entity, with reporting obligations and an independent depositary. We hold no client cash on our own balance sheet.
A single 1% annual fee. No performance fee that tempts us to take risk with your capital. No retrocession from third parties. Our incentive is to keep you compounding for decades.
Our universe is global by default. We hold gold settled in London and Zurich, equities across NYSE, Nasdaq and Europe, and the most credible digital assets traded around the clock.
15 years across Pictet and Lombard Odier. Builds the macro view and chairs the committee.
Former Coinbase Institutional. Curates the digital asset universe and custody framework.
Ex-Carmignac equity analyst. Runs the conviction list across global blue-chip names.
We are often asked what we have changed this quarter. The honest answer, most quarters, is: not much. We trimmed a single equity name on valuation; we added ten basis points to gold on macro signal; we left the digital asset basket alone.
This is not laziness — it is the job. Active management does not mean constant activity. It means doing the right thing when the right thing must be done, and having the conviction to do nothing the rest of the time. Markets reward patience in ways that are invisible quarter to quarter and undeniable decade to decade.
We will keep showing our work. Every trade, every rebalance, every reason. Thank you for the trust.
— The Luminar Invest investment committee
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