INVIOS is derived from the English word “inviolable”. That is precisely our ambition: to protect and grow your wealth through a clear, disciplined investment approach.
As an independent institute for wealth preservation and asset management based in Hamburg, we combine active asset management with insights from neurofinance — helping to avoid the mistakes that statistically cost investors the most in returns. With the INVIOS Wealth Accumulation Fund, you invest globally diversified, rule-based, and with clear risk management.
Why do even experienced investors repeatedly make poor decisions? This is the question explored in the current cover interview of the Pioneer Morning Briefing. Speaking with editor Philipp Heinrich, INVIOS Managing Director Nikolas Kreuz explains why our brains often work against us when investing — and how typical cognitive biases can be avoided. One of his key insights: “Our brain was developed to survive — not to invest successfully.” From a neurofinance perspective, Nikolas Kreuz explains the seven most common mistakes that cost investors returns — from overconfidence and herd mentality to excessive trading and inertia. At the same time, he shows why a structured investment process and control over one’s emotions are crucial for long-term investment success.
Read the full interview in the Pioneer Morning Briefing.
Around 80% of all investment mistakes are psychological in nature — fear, overconfidence, and a false sense of security. Neurofinance makes these mental traps visible and shows where emotions typically distort decisions. Those who understand the underlying mechanisms can systematically limit their impact — turning gut feeling into a clear, rational strategy.
The mind behind INVIOS is Nikolas Kreuz, a business graduate, founder, and managing director. He brings more than 40 years of capital markets experience, including over 25 years in senior asset management positions — at Deutsche Bank, UBS, and DZ Privatbank, as well as serving as Chief Investment Officer at two German state banks.
Knowledge is most valuable when it is shared. That is why INVIOS regularly offers free lecture series, practical seminars, and webinars — from getting started in the stock market and understanding our investment rules to strategies for professionals.
SMARTBROKER+ and Nikolas Kreuz from INVIOS invite you to a live webinar on stock market psychology titled “Why Smart Investors Make Silly Mistakes—and How to Avoid Them.” Fear of loss, overconfidence, herd mentality: Our brains are optimized for the Stone Age—not for the stock market. In this webinar, you’ll learn about the 7 most common […]
Sudden price fluctuations, impulsive decisions, market pressure – all of these can have a significant impact on our financial behaviour and cause us to fall into typical traps. But why do we sometimes act contrary to our best intentions or rules? And how can we learn to understand these psychological mechanisms and use them to […]
Why even stock market professionals make decisions like Stone Age people – and what it costs them. Your brain was built for hunting mammoths and fleeing, not for asset allocation – and no job title can protect you from that. Nikolas Kreuz, CEO & CIO of INVIOS GmbH, uses neurofinance to show how dopamine, cortisol […]
Others sell stock market dreams. We show you where the typical thinking errors lie — and how to avoid them. The result: greater clarity, greater security, and greater confidence in your decisions.
Do you have questions or would you like a confidential conversation? Contact us via the contact form.
By clicking the “Buy Fund” button, no contract for investment advice or brokerage is concluded with us. No assessment is made as to whether the fund is suitable or appropriate for you. Please read the legally binding sales documents before making any investment decision and inform yourself thoroughly.
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