The risk and reward paradigm is at the heart of Investment Management. The mainstream investment managers do an excellent job in managing risks but do poorly managing the rewards. GEM+S is in the business of managing rewards. Decades of experience and continued learning about Finance, Financial Analysis, Asset Management and Investment Policy making at the helm of the world’s leading private wealth organization produced a simple, comprehensive and innovative tool with game changing algorithms that capture the essence of global equity markets.
There is enough evidence that GEM+S not only enriches your approach to investing in the global equity market place, but eventually also your and/or your clients’ wallets - with a minimal investment generating the potential for top returns!
GEM+S does not offer Asset Management services to avoid any conflict of interests and the results of its research and analysis do not constitute advice or solicitation regarding the selection of or transactions in financial instruments.
If you wish to see how GEM+S’ results look and feel please register for your limited free trial or click on the "LOOK AND FEEL" button; and if you like what you see simply proceed to the payment module for your full subscription. Enjoy mining!
To register and login follow the self-explanatory instructions menu. Start mining GEM+S and move the cursor to the top of the page to activate the fading menu bar. For your best mining experience expand to full screen. Open new tabs to compare results for several companies at the same time by right-clicking on the link "Manual" on the top right corner of the welcome page. The intuitive design of the tool makes it easy to use; first look at the right end of the fading menu bar:
RPP (GEM+S Reference Portfolio Positions): the long term performance record of these portfolios shows the relevance of the GEM+S analytical approach. GEM+S provides you with the list of the current year’s stock selection in its USD, EUR and CHF portfolios as a special benefit for subscribing to this tool.
Result: the current year’s selection is based on the previous year’s 4th quarter GEM+S analytics and positions only exceptionally change due to market driven re-balancing, but usually remain unchanged during the calendar year, sometimes over several years - long term investing wins over short term trading passions.
The performance record shows:
Settings: manage your subscription following the self-explanatory instructions menu.
Contact: contact us with your comments or questions regarding your mining experience.
Now turn to the real mining experience
First: choose the Market in which you wish to analyze companies. Choose All if you want a global perspective; however, given the different market maturity, market capitalization and reporting standards you may want to be cautious when drawing final conclusions for single companies’ rankings across all markets.
Result: all your further queries will refer to your choice of markets. You can directly move your cursor on the fading menu bar to the right and choose a full company report from the three drop-down lists available.
Second: choose the Industry Group (MSCI classification of 10 groups) or All industry groups of a chosen market.
Result: all your further queries will refer to your choice of markets and industry groups.
Third: choose Fundamentals or Market Factors, if you wish to analyze the rankings of companies within the chosen market. Fundamentals and market factors are based on consensus data pooled from typically 5 to 20 analysts covering a particular company.
Result: click on a block of three fundamentals or market factors:
Gross Revenue growth
EBITDA growth
Net Income growth
Earnings per Share growth
Dividends per Share growth
Dividend Yield
Independent Consensus Opinion about the future price trend of a share
1 over 5 Years Momentum of a share price vs. the market
Industry Group Rotation, cycle momentum (not applied, no consensus data across markets available)
PE vs. Market, ratio between current share price and earnings estimate vs. the market
PEG vs. Market, ratio between PE and estimated EPS growth vs. the market; the lower the ratio (= bigger the ranking number) the more attractive the stock
Volatility of a share price relative to the market volatility (180 days volatility)
highest to lowest rank,
alphabetical up or down order of companies or
highest to lowest percentage or qualifier
Fourth: choose the type of rankings you want GEM+S to produce; according to GEM+S proprietary analytics criteria scores, Value criteria or Growth criteria scores.
Result: click on a company name on the drop-down ranking list to obtain the full report:
Fifth: search for your preferred combination of fundamentals and market factors and click Filter to filter/search for companies that meet your requirements and chosen strategy.
Result: you may be searching for specific investment strategies or risk appetite, for example:
The risk and reward paradigm is at the heart of Investment Management. The mainstream investment managers do an excellent job in managing risks but do poorly managing the rewards. GEM+S is in the business of managing rewards. Decades of experience and continued learning about Finance, Financial Analysis, Asset Management and Investment Policy making at the helm of the world’s leading private wealth organization produced a simple, comprehensive and innovative tool with game changing algorithms that capture the essence of global equity markets.
There is enough evidence that GEM+S not only enriches your approach to investing in the global equity market place, but eventually also your and/or your clients’ wallets - with a minimal investment generating the potential for top returns!
GEM+S does not offer Asset Management services to avoid any conflict of interests and the results of its research and analysis do not constitute advice or solicitation regarding the selection of or transactions in financial instruments.
If you wish to see how GEM+S’ results look and feel please register for your limited free trial or click on the "LOOK AND FEEL" button; and if you like what you see simply proceed to the payment module for your full subscription. Enjoy mining!
A. CLIENT PORTAL SYSTEM (“System”) USE AGREEMENT
The System Use Agreement (“Agreement”) is made between the legal entity and/or person (“User/s”) who
access or on whose behalf has been given access to this System. GEM+S is a registered trademark. The
System as defined below is provided by GEM+S.
GEM+S is and also remains the owner of the contents of the System throughout the entire time User/s
enjoy access to the System (see clause 7. Intellectual Property Rights). The Agreement and the
Client Portal Disclaimer (see section B.) are legally binding. By gaining access to the System the
User/s warrant and represent that User/s are duly authorized to enter into this Agreement and to use
the System, and that accepting this Agreement shall give rise to a binding contract between the
User/s and GEM+S.
1.1. GEM+S has developed a website and software for the purpose of providing to the User/s results of research and analysis of market data.
1.2. GEM+S grants to the User/s and the User/s accepts a non-exclusive non-transferable license to access the System as GEM+S may offer to the User/s for the User/s’ own purposes and not for any other purpose or further distribution to other persons or organizations, and GEM+S agrees to provide through the System such research and analysis.
2.1. The System provides results of research and analysis of market data
2.2. The functionality of the System may be added to, amended or withdrawn and new functionalities introduced by GEM+S in its complete discretion from time to time. Prior to any change GEM+S may, in its complete discretion, notify the User/s of such change. The User/s will not be entitled to continue to receive any service or data that have been withdrawn by GEM+S. Following any change the User/s’ continued use of the System will be deemed to constitute deemed acceptance of such change.
2.3. GEM+S will post any amended version of the Agreement on the System and will not notify the User/s by any other communication of such change. The User/s accept the amended version by gaining access to the System, and if the User/s do not agree with such amendments the User/s must discontinue the use of the System.
3.1. The User/s have notified GEM+S that the System is accessed by one or multiple Users. For the avoidance of doubt multiple Users refers to multiple access points (PC, tablets, lap-tops etc.) that can access the system simultaneously using the same username and password. The User/s hereby represent and warrant to GEM+S that
Upon receipt of the User/s’ web based registration GEM+S will grant the User/s access within the range of the paid subscription. Notwithstanding the foregoing, GEM+S retains the right in its complete discretion to deny any User/s access to the System. Passwords will continue in force until terminated by the User/s or by GEM+S, changed by the User/s or expire automatically after the paid subscription expires. The System may provide replacement passwords upon the User/s’ request. The User/s shall procure all reasonable steps to protect the security of usernames and passwords and prevent any person or organization who are not registered User/s from accessing the System and/or using the results of its research and analysis. For the avoidance of doubt, each username and password is strictly confidential to and shall only be used by the User/s to whom it is issued and is not transferable; unauthorized persons or organizations cannot be User/s. Similarly, a subscription for one User cannot be accessed by multiple Users. GEM+S may require the User/s to notify the User’s IP address and the User/s agrees to notify GEM+S immediately if any such IP address is changed during the subscription period. The User/s acknowledge that if the User/s have provided an incorrect IP address or decline to provide one, GEM+S is not responsible for any loss or damage, whether direct, indirect or consequential, resulting to the User/s giving to GEM+S an incorrect IP address or, if GEM+S has recommended that the User/s give their IP addresses, not giving them, and/or GEM+S’ reliance thereon.
3.2. Each User will at all times comply with all applicable laws, rules and regulations.
3.3. In the event that any User ceases to be employed by a User with multiple access authority, the User with multiple access authority will take all necessary steps to keep the former employee from accessing the System without delay. A change of password is the minimal measure to be taken.
3.4. The User/s acknowledge that, subject to customary confidentiality obligations, GEM+S may collect and maintain personal data as per the User/s’ registration. GEM+S protects these data with the same rigor User/s protect their own data. However, the hosting service, where such data are maintained may not afford the same level of protection to personal data that would apply in the most restrictive jurisdiction. The User registering for multiple Users agrees to procure that each multiple User has consented to the collection of the same data collected from the registering User. It is the duty of the registering User to ensure that changes in personal data are notified to GEM+S without delay.
3.5. The User/s acknowledge that, subject to confidentiality obligations in clause 9.3. of the Agreement, GEM+S may collect and maintain data regarding each User’s access and use of System, and User/s consent to the use of such data for communication to Users, administering access controls, providing assistance, monitoring the usage and performance of the System and improving and/or expanding its services only.
3.6. GEM+S will retain Users’ data for as long as necessary to fulfill the purpose for which it was collected or to comply with legal, regulatory or internal policy requirements, in general for a period of 10 years after the end of a subscription. A User has the right to ask GEM+S for a copy of all data collected about the User and Users have the right and obligation to rectify inaccurate User data. GEM+S processes User data on the basis of Users’ consent to this Agreement and User/s have the right to withdraw that consent at any time. Please note that the withdrawal of consent shall not affect the lawfulness of data processing based on consent before its withdrawal. When User/s’ data are processed for direct marketing purposes, the User/s’ right to object can extend to direct marketing only.
3.7. Complaints regarding any aspect of processing User/s’ data by GEM+S can be directed to GEM+S via the website’s support button.
4.1. The User/s are responsible for and provide at their own cost all equipment, connectivity and software necessary to access and use the System and obtain any relevant licenses and/or consents. GEM+S shall not be responsible for any breakdown of any technology used for the electronic data transmission, neither at the hosting partner nor at GEM+S and/or the Users’ location.
4.2. GEM+S may provide processed market data through the System and may terminate the provision of any such data to User/s at any time without notice. Certain market data may be obtained from third parties (“Vendors”). The User/s agree that
The User/s agree to indemnify GEM+S on demand against any liabilities, costs, claims, losses, whether direct, indirect or consequential, expense and damages (including but not limited to legal fees) arising out of or relating to the provision to and/or use by the User/s of any data and result of research and analysis.
4.3. The User/s agree that, when using the Internet or other media provided by third parties to connect to the System, the User/s are using media not controlled, maintained or provided by GEM+S. The User/s acknowledge that any such link is beyond GEM+S’ control and neither endorsed, neither warranted nor supported by GEM+S. The User/s assume all risks and liability of any such use of the Internet or any other media.
4.4. GEM+S and the User/s agree that regulations 9(1), 9(2) and 11(1) of the Electronic Commerce Regulations 2002 (EC Directive) shall not apply to the System.
4.4. GEM+S and the User/s agree that regulations 9(1), 9(2) and 11(1) of the Electronic Commerce Regulations 2002 (EC Directive) shall not apply to the System.
The User/s acknowledge that all market prices and other information provided to User/s by the System are to be regarded as indicative only and do not constitute terms on which User/s may enter into transactions. GEM+S is not responsible for any loss or damage, whether direct, indirect or consequential, resulting to the User/s by entering into transactions based on prices, data and/or results of research and analysis provided by GEM+S.
GEM+S charges a subscription fee for the use of the System. The User/s agree to and accepts these charges upon accessing the System. Fees may change from time to time and according to the type of subscription (single or multiple Users). GEM+S may, in its complete discretion, notify the User/s of such changes.
7.1. All title, ownership and intellectual property rights in or relating to GEM+S offerings, any information transmitted by, to or over GEM+S and information regarding Users’ use of the System shall remain in GEM+S. Nothing on the System shall be construed as conferring on User/s any license of any of GEM+S intellectual property rights, whether be estopped, implication or otherwise.
7.2. User/s may use data and results of research and analysis of the System in accordance with this Agreement for its normal business purposes, provided that such use shall at all time comply with the applicable laws, rules and regulations and respect the trademarks and copyrights applicable for GEM+S. Reports and/or printouts from GEM+S offerings may not be altered by User/s and must at all times show GEM+S’ trademarks and copyrights as shown on the original Reports and/or printouts.
7.3. User/s shall not (and shall procure that each of its Users shall not) transfer to any third party, copy or amended or in any way commercially exploit any GEM+S results of research and analysis provided to User/s via GEM+S or otherwise.
7.4. User/s shall not (and shall procure that each of its Users shall not) reproduce, distribute, transmit, publish or otherwise transfer, commercially exploit, reverse engineer or decompile or make any derivative product from the System or any software, file data, information, know-how, idea, communication or other content received or accessed through or in connection with the System’s offerings.
7.5. Client agrees to notify GEM+S forthwith on becoming aware of any claim by any third party that any element of GEM+S’ offerings infringes any intellectual property right of any third party.
7.6. If GEM+S customizes any part of the System specifically for User/s, User/s consent to the use by GEM+S of its trademarks and other intellectual property rights to the extent necessary for such customization.
8.1. Subject to clause 8.2. below, GEM+S warrants that it has the right to grant licenses as set out in this Agreement. Subject only to this warranty, GEM+S System including, without limitation, its content, features and any related services, are provided to User/s on a “as is” and “as available” basis at User/s’ sole risk and without representations or warranties of any kind. GEM+S does not guarantee that the System or any part of it will be available to or accessible by User/s. All warranties, conditions or terms (expressed or implied, statutory or otherwise including without limitation any warranty, condition or term as to satisfactory quality, merchantability, fitness for a particular purpose and any warranties or commitments that access or use will be uninterrupted or error free), other than those expressly set out in this Agreement, are expressly excluded to the fullest extent permitted by law.
8.2. Notwithstanding any other provision of this Agreement, nothing in this Agreement shall exclude or limit any liability to the extent such liability cannot be excluded or limited by applicable law (including, without limitation, death or personal injury resulting from GEM+S’ negligence or the consequences of fraud by GEM+S).
8.3. Subject only to clause 8.2. and to the extent permissible by law, GEM+S will have no liability for any loss or damage however caused arising under or in connection with this Agreement, including, without limitation, User/s’ use of or inability to access the System, any market data or other product or service provided by any third party (either through links or the System directly and/or indirectly and/or consequentially) and any failure by GEM+S to act on any information notified to it, whether in contract, tort (including negligence) or otherwise, unless User/s pays any fees to GEM+S for the use of the System, in which case GEM+S’ liability for any loss or damage however caused arising under or in connection with this Agreement shall be limited to the amount of fees received by GEM+S from User/s in the subscription period during which the data on which the cause of action giving rise to the loss or damage first arose. The User/s will not, under any circumstances, bring any claims of any nature (whether in tort, including negligence, or contract or otherwise) against any of GEM+S’ directors, officers, employees, contractors, subcontractors or agents where such claims arise out of or in relation to the subject matter of this Agreement.
8.4. GEM+S shall not be considered in breach of this Agreement in the event of any failure or delay for reasons not within GEM+S reasonable control, including, without limitation, war, disaster, acts of nature, power failure, failure of communication services or networks, labor stoppage, sabotage, computer virus/worm, hacking, public unrest or disputes, acts or omissions of User/s or any third party including national and/or supranational government agencies or bodies and courts of law.
8.5. GEM+S may at any time and without giving any notice suspend the provision of GEM+S’ services to User/s in whole or part with immediate effect in the event of any of the force majeure circumstances described above, planned or unplanned maintenance and upgrading of System, any breach of this Agreement by User/s which is prejudicial to the System or its User/s.
8.6. The System is provided to User/s solely for the User/s’ benefit and use in accordance with the terms of this Agreement. GEM+S accepts no liability or responsibility to any third party who gains access to the System as a result of any act or omission by User/s. User/s agree to indemnify GEM+S and its directors, officers, employees on demand against any liabilities, losses, costs, claims, expenses (including legal fees) and damages in connection with any claims against GEM+S and its directors, officers and employees by any such third party, including but not limited to any claim by any third party which has access to data derived from the System pursuant to clause 7.2.
8.7. The User/s agree to indemnify GEM+S and its directors, officers and employees on demand against any liabilities, costs, claims, losses, expenses, and damages (including but not limited to legal fees) arising out of or relating to any breach of this Agreement by the User/s.
9.1. GEM+S and User/s are entitled to terminate the User/s’ access to and use of the System at any time without cause by written notice to the other by interrupting or discontinuing electronically a still valid subscription to the System with immediate effect. In particular but not exclusively has GEM+S the right to terminate the User/s’ access upon
9.2. If the User/s’ access to and use of the System is terminated by either party, GEM+S shall be entitled to disable the User/s’ usernames, passwords and the license granted under clause 1.2. and the provision of the System shall terminate with immediate effect.
9.3. Clauses 3.4, 3.5., 4.2., 7., 8., 9., 10. and 13. shall survive the termination of User/s’ access to the System.
10.1. The entire Agreement between GEM+S and the User/s with regard to the User/s’ access to and use of the System is comprised by the following:
10.2. If there is any conflict between this Agreement and any other terms and conditions, this Agreement prevails.
10.3. This Agreement replaces all preceding versions of this Agreement, whether in electronic or tangible form, accepted and/or executed prior to the acceptance of this Agreement.
11.1. Any notice to be given to GEM+S under or in connection with this Agreement shall be in writing via the website’s support function.
11.2. Any notice given by GEM+S to the User/s under or in connection with this agreement may be given by e-mail to the address as registered on the System. Any such notice shall be deemed to have been delivered to User/s at such time as it is available for User/s to view electronically.
This Agreement shall be governed by and construed in accordance with Luxembourg law, and in the event of a dispute arising out of or in connection with this Agreement, the Luxembourg courts shall have the exclusive jurisdiction, provided that GEM+S at its option selects another country’s governing law and jurisdiction or selects arbitration under another country’s governing law and jurisdiction (GEM+S and the User/s shall each be entitled to nominate one arbitrator within 30 days after a request for arbitration was filed, the chairman to be nominated jointly by the two party-nominated arbitrators; if one of these nominations fails, the competent court will appoint an arbitrator and/or chairman of tribunal).
Access to and use of the System and any content herein, including posted documents (“Materials”) is subject to the following disclaimer and any other posted restrictions:
A small investment for the potential of substantial returns given the performance results achieved in our reference portfolios since 2003: one license subscription for 900.00 CHF per year gives exclusive access to one user. For any additional license you pay 90 CHF. GEM+S may well be worth to be your best kept secret regarding your successful investment decisions - what miner likes to share the location of his or her most prolific mine?
If you wish to see how GEM+S results look and feel please register for your limited free trial or click on the "LOOK AND FEEL" button; and if you like what you see simply proceed to the payment module for your full subscription. We shall remind you one month before the end of your yearly subscription that continued mining for GEM+S will require payment within 30 days. Should you miss your deadline and find the door to your mine closed, just proceed to the payment module to reopen and continue where you have left off.
Please consult the “Terms of Use, Privacy Policy and Regulatory Information” you accept with your login into GEM+S; for the avoidance of doubt and as a reminder some (but not all) limitations to the use of our system:
But we are also well aware that GEM+S ability to enforce this orderly use of our system depends on the integrity and goodwill of its users, and we would like to draw your attention to the users’ agreeing to our right to defend our intellectual property before the competent courts of law and to the users’ obligation to indemnify GEM+S for any misuse and/or damage caused by not observing their end of this contractual commitment (please refer to the “Terms of Use, Privacy Policy and Regulatory Information”).
