How is my quirion ETF savings plan executed?

With a "normal" ETF savings plan at a bank or a broker, you usually invest your money in just one ETF, i.e. a single index. As a rule, you have to pick this one yourself. At quirion, you always invest – in the savings plan too – in a complete ETF portfolio made up of several ETFs as part of a managed portfolio. These are selected by a team of investment professionals on the basis of current financial market research. In this way, we bring almost the entire world market into your portfolio. That is not possible with a single ETF. In addition, our experts constantly monitor whether cheaper or even more suitable ETFs come onto the market and then adjust the portfolios accordingly at no extra charge. And: before you invest, quirion determines your personal risk-return profile and ensures that your portfolio matches this profile – not only at the time of investment, but also on an ongoing basis through regular rebalancing.

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Custody of your account at quirion is handled by Quirin Privatbank AG, which holds a full banking licence. We invest your money in investment funds. Under German law, these qualify as segregated assets (Sondervermögen). That is why, in the unlikely event of an insolvency of the fund company, of Quirin Privatbank AG or of quirion, your investments would not be affected.

Yes, of course you can change or cancel your ETF savings plan with us free of charge at any time.

Our ETF savings plan has the advantage for you as an investor that you can start building your personal wealth right away – with your first deposit – and don't have to wait until you have a larger sum of money available. It is aimed at people who do not yet have substantial wealth. Over a longer period of time, you can build up wealth step by step. Your deposited money is invested at low cost with greater return opportunities and also benefits from the compound interest effect. A lump-sum investment, on the other hand, is suitable for you if you already have a larger sum of money available.

Our ETF savings plan is not only low-cost, award-winning and secure, it also offers you many other benefits:

• With our ETF savings plan too, you can already benefit from the professional expertise of quirion's asset managers: your money is invested in a professional portfolio. Annual rebalancing ensures that your portfolio consistently returns to its original composition.
• Even in times of low interest rates, our ETF savings plan lets you build wealth instead of simply parking your money interest-free in a current account and giving away valuable return opportunities.
• With our ETF savings plan, you invest regularly and with discipline. This lets you secure return opportunities over the long term, instead of making emotional decisions when prices fluctuate. In practice, it turns out that price fluctuations are part and parcel of the capital markets. With our savings plan, however, price slumps can no longer throw you off track so easily, because quirion's asset managers systematically invest your money even when prices are low.
• Our ETF savings plan also has the advantage that you don't have to actively intervene to bring your portfolio back into balance. That's because quirion's asset managers always invest your monthly contributions in such a way that your original portfolio composition is restored. So we can take care of this so-called rebalancing directly whenever you top up regularly.

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