According to a recent SPIVA (S&P Indices Versus Active) scorecard, 79% of actively managed funds underperform their respective benchmarks. PHI Capital is a breath of fresh air because we have proven that we generate clear alpha through fluid diversification incorporating Fibonacci sequences. Our process begins with listening. We listen to your needs, desires and requirements. This is the only way we can create suitable and customized asset management solutions that beat the market. As an asset allocator licensed in Germany, we operate internationally and across industries.