Investment

Real Estate Investments

Securities account

Securities account

With our cost-effective, asset-managed securities portfolio, we offer you an individual investment strategy that is specifically tailored to your financial goals and your risk appetite.

Invest Smartly

ETF Index Portfolio
Developed and managed by experts for you

Our securities portfolio is held and managed by FIL Fondsbank (FFB). FFB is one of the largest independent fund platforms in Germany, belongs to Fidelity International and manages assets of over 40 billion euros in around 662,000 customer accounts (as of 07/2024).

The portfolio is a portfolio with an asset manager. This means that the strategy is determined by us and you as a customer do not have to take any action yourself! You can either choose one of the portfolios on offer yourself and complete it without prior advice or ask us to assess your risk profile as part of our advisory process.

Global Index Portfolio

A securities portfolio developed as a global index portfolio offers investors broad diversification across different markets and regions in order to achieve long-term growth while spreading risk. This portfolio relies on the combination of passive, index-based investments that offer a cost-effective way to invest in different asset classes. By selecting global stock and bond indices, it enables comprehensive coverage of the global economy.

Diversification across geographic regions, sectors and asset classes ensures that the portfolio not only benefits from opportunities in certain markets, but also offers a certain degree of stability in times of crisis. The global index portfolio takes developments on the international financial markets into account and adapts flexibly to changing conditions. With a clear focus on long-term returns and a cost-effective, efficient investment strategy, this portfolio is particularly suitable for investors who want broad diversification without having to constantly worry about selecting individual securities.

The combination of equity and bond indices ensures a balanced and risk-optimized investment strategy that not only offers opportunities for long-term capital growth, but can also create a stable source of income. A global index portfolio is a sustainable solution for investors looking for a versatile and long-term investment.

Tax optimized
Withholding tax optimization for US stocks (reduction to 0%) instead of 15 or 30% through synthetic replication.

Precise portfolio allocation
Most precise allocation and maximum diversification through consistent use of coordinated indices and inclusion of small caps and emerging markets.

Controlled asset allocation
Regular rebalancing and increasing the equity quota in crises: In the event of a 20 to 40% drawdown, the equity quota is increased by 10% or 5% (in the 90/10 portfolio).

Index Portfolio 50 - "Balanced"

A balanced index portfolio with a 50/50 split between stocks and bonds is a smart choice for investors seeking a balance between return opportunities and risk management.

The 50% equity component offers the opportunity to benefit from the growth opportunities of global markets. Equities from different sectors and regions ensure broad diversification and help to increase long-term capital. At the same time, the bond component allows for a certain degree of stability, as bonds are generally less volatile and generate regular income streams. They act as a safety net, especially in turbulent market phases.

By dividing the portfolio equally between stocks and bonds, investors can better balance out market fluctuations. Such a portfolio offers an attractive mix of growth potential and protection against major losses.

It is ideal for investors who want to benefit from the long-term growth opportunities of the stock market, but also want to integrate the security of bonds into their portfolio. The continuous review and adjustment of this portfolio ensures that it works efficiently even in changing market situations and meets individual goals.

Bonds (50%)

Global Stocks

(50%)

Index Portfolio 70 -

"Chance"

A "chance" portfolio with a 70/30 split between stocks and bonds is aimed at investors who are willing to take higher risks in order to benefit from the greater return opportunities of the stock market.

With 70% equity, this portfolio offers a strong focus on growth. The equity component includes companies from various global markets and sectors, which enables a high level of diversification and increases the potential for above-average capital growth.

The remaining 30% in bonds provides some protection by stabilizing the portfolio and generating income streams. While bonds are typically less volatile than stocks, they help mitigate the portfolio's risk without overly limiting the opportunities for high returns. This mix of a dominant equity position and a stabilizing bond component allows investors to benefit from the advantages of both asset classes.

This portfolio is particularly suitable for investors who seek active growth of their assets and are willing to accept higher fluctuations in order to benefit from the opportunities offered by the stock markets.

Bonds

(30%)

Global Stocks

(70%)

Indexportfolio 90 -
"Growth"

A growth-oriented portfolio with a 90/10 split between stocks and bonds is ideal for investors who have a clear focus on capital growth and are willing to take on higher risk for potentially above-average returns.

The equity weighting of 90% enables investors to benefit from the opportunities of the stock market, especially in positive market phases, and thus to profit optimally from market growth.

The remaining 10% of the portfolio in bonds serves as a small hedge and provides a certain level of stability without limiting the growth potential too much. While the bond share in this portfolio is relatively small, in volatile market phases they help to mitigate fluctuations and generate income streams that balance the overall portfolio to some extent.

This portfolio is particularly suitable for investors who are looking for high growth potential and are willing to accept higher volatility and risk. It is perfect for those who focus on a long-term strategy and want to take full advantage of equity investments, while the bond portion offers a certain stability.

Bonds

(10%)

Global Stocks

(90%)

Cost*

Bank fee:
Asset Manager:
Fund costs:

45€ / year

0.93% pa (incl. VAT)

0.20% - 0.23% pa

Minimum amounts

Savings plan:
One-time investment:

100€ per month

1,000€ one-time payment

*The costs are automatically deducted from the annual fund volume.

Responsible

Depository bank:
Asset Manager:
Strategist:
Funds:

FIL Fondsbank (FFB)

Nowinta

Königswege

Vanguard, iShares, Dimensional, Invesco

Investment limits

The investment goal must be at least 10 years. An earlier withdrawal is of course possible.
The customer's liquidity must be at least three times the expenses.

Acceptance Guidelines

Residence (outside Germany) - If the customer has German citizenship but does not live in Germany, a deposit account can be opened.
Nationality (non-German) - If the customer does not have German citizenship but has a residence permit (unlimited), he can open a depository with a registration certificate.
Foreign tax liability - The tax ID of this country must then be provided. In this case, the FFB may request additional documents.
US persons - No deposit is possible for US persons. US persons can be identified as follows: Residence or c/o address in the USA, American citizenship or country of birth in the USA (exception: proof of loss of citizenship is available), taxable in the USA, US telephone number or US email address, bank details in the USA

Investment property

Increasing population, shortage of living space and the associated ever-increasing demand against an ever-decreasing supply -

we help to overcome these conditions at least for yourself and your wealth accumulation or retirement provision

to make it usable.

Real Estate

Real estate as an investment
Welcome to building wealth through real estate

"Contrary to some opinions at the beginning of the pandemic: The demand for real estate remains unbroken despite the crisis." - Handelsblatt Online

Real estate as an investment

Investing in real estate as a capital investment can offer attractive returns, but requires careful planning and analysis. Factors such as location, condition of the property and realistic assessments of rental and value development are crucial for success.

In cooperation with our experienced business partner, we offer you access to carefully selected properties that are ideal as a capital investment. Our partner places particular emphasis on properties in attractive locations with solid building structures in order to secure you long-term stable rental income and potential for value appreciation.

Through individual advice and tailor-made financing solutions, we support you in achieving your investment goals and achieving sustainable asset growth.

Benefit from our expertise and our partner's comprehensive market knowledge to make your real estate investment successful and future-proof.

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Market analysis

Sustainable growth, regulatory influences, consideration of costs - the German real estate market offers a wide range of investment opportunities that vary in attractiveness depending on the region, location and market cycle.

A thorough analysis of the overall market is essential to identify a profitable investment and exploit long-term value-added potential.

Through a comprehensive market analysis, our partners identify the most attractive locations and properties with high potential for value appreciation.

Together with our partners, we offer you data-based insights, individual advice and tailor-made financing solutions to optimize your investment.

Benefit from our expertise – invest strategically in real estate with a future!

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Financing

Purchasing a property as an investment requires a well-thought-out financing strategy to ensure long-term profitability and financial security. In cooperation with our experienced business partner, we offer you tailor-made financing solutions that are optimally tailored to your individual needs.

Our partner analyzes your financial possibilities and develops a concept that maximizes your return.

You benefit from comprehensive interest rate comparisons, individual repayment models, funding opportunities and long-term planning security – through strategies to protect against interest rate changes and market changes.

From the initial consultation to the loan application and the final contract drafting – our business partner accompanies you every step of the way and ensures a smooth transaction.

Use our expertise and secure the best possible conditions for your investment. Contact us today for a non-binding consultation!

Income & Management

The long-term success of a real estate investment depends largely on efficient rental and professional management.

Together with our experienced business partner, we offer you an all-round, worry-free package that saves you time and effort while you benefit from stable rental income.

Our partner takes on all essential tasks to ensure optimal management of your investment - from rental, rent and ancillary cost management to property management and vacancy minimization.

By working with our partner, you can ensure stress-free rental and management so that you can concentrate fully on the benefits of your investment.

Let your property be professionally managed – for sustainable success and maximum returns!

Would you like to know more?

We're happy to help! Call us or send us a message to learn more about our services.

Investment

Securities account

Invest Smartly

ETF Index Portfolio Developed and managed by experts for you

Global Index Portfolio

Investment property

Real Estate

Real estate as an investmentWelcome to building wealth through real estate

Real estate as an investment

Would you like to know more?

ETF Index Portfolio
Developed and managed by experts for you

Real estate as an investment
Welcome to building wealth through real estate