PRIVATE CLIENTS · BUILDING WEALTH
ETF savings plans are simple, cheap and effective over the long run, provided you use them properly.
Free first consultation →The problem
High management charges, the wrong risk allocation or too little diversification: many portfolios cost more than they need to and return less than they could. At the same time many people avoid equities out of uncertainty, and miss out on substantial long-term returns.
Our solution
We advise you on building an ETF-based portfolio that matches your risk profile, your time horizon and your goals, without selling products of our own. We help with setting up the account, the asset allocation and regular rebalancing.
Book an appointment →Worked example
A worked example assuming growth of around 7% a year, the historical average of broadly diversified equity markets. Non-binding, with no guarantee. Prices fluctuate and losses are possible.
The hard facts
2–3%
is how much purchasing power your money loses to inflation each year on average. Leave it in a current account and you lose in real terms; a broadly diversified ETF investment aims to offset that and more.
15 years+
Over long periods, broadly diversified equity markets have historically risen reliably. The longer the horizon, the smaller the risk of ending in a loss.
€50
An ETF savings plan can be started from around €50 a month. Building wealth is not about large sums but about starting early and keeping at it.
~7%
average annual return achieved by broadly diversified equity markets over the long term (historical, not guaranteed).
Worth knowing
Rather than betting on individual companies, many ETFs hold hundreds or even thousands of shares at once, reducing the risk attached to any single holding.
Experience shows that investing regularly and staying invested usually works out better than chasing the perfect moment to buy or sell.
Returns that are reinvested go on to earn returns of their own. Over decades that can add up to considerable growth.
Appetite for risk, investment goals and time horizons differ from person to person, so an individual strategy usually beats an off-the-shelf one.
37+ years
in the market
100%
independent advice
DEWE
Certified partner of Deutscher Wertschutz e.V.
USING TAX & TIME
Broadly diversified ETFs are one of the simplest routes to long-term wealth, combining compounding with tax advantages. What matters is starting early and investing regularly.
€1,000
tax-free savings allowance per year (single people).
30%
partial exemption on income from equity funds.
from €50
a month is enough to start an ETF savings plan.
Worth knowing
What counts is broad diversification, low costs and staying the course, not perfect timing.
We show you how a broadly diversified ETF savings plan works for you over the years. Free and without obligation, in person or by video. You then decide at your own pace.
Book an appointment →