What investment options are there?

We use the opportunities offered by digitalisation. However, no digital process can cover every aspect of investing. For this reason, the “human factor” continues to play an important role at quirion: our service team answers your questions personally by chat and email.

In addition: Experienced investment professionals are responsible for setting up the investment strategy and for the continuous monitoring of the model portfolios. Order management, in turn, takes care of what is known as product allocation.

We are convinced: Only through the interplay of human and machine is it possible to offer solid yet affordable digital asset management.

Price fluctuations are constantly shifting the weightings within a portfolio. If, for example, an equity ETF is held in the portfolio and this index rises disproportionately, the ETF takes on a higher weighting compared to other positions. With these shifts, the risk profile of the portfolio changes, which under certain circumstances no longer matches the investor's profile. To restore the original weighting, there is rebalancing.

ETFs are exchange-traded products. Their prices fluctuate continuously. However, broad diversification helps to reduce risks. With us, diversification takes place not only through the use of ETFs, but also at the portfolio level: through worldwide diversification, the risks of individual markets are cushioned.

According to Statista, the assets under management of robo-advisors worldwide amounted to around 1,647 billion euros in 2024. The number of users in 2024 was approximately 33 million – worldwide. In Germany, in 2024 around 259,000 people used a robo-advisor.

Your ETFs and securities belong to you. An insolvency of the fund company, the custodian bank or the asset manager does not affect them.

Cash in your account is protected by the statutory deposit guarantee up to 100,000 euros per customer. Keeping the assets separate does not protect against price losses.

According to Extra ETF, there are around 25 robo-advisors in Germany. Other sources speak of about 30 robo-advisors in Germany. Worldwide, there are approximately 350 digital wealth managers.

Frequently cited disadvantages of a robo-advisor are the lack of advice as well as the limited freedom in building a portfolio. However, some robo-advisors now offer human advice – for a somewhat higher fee. As for the second point: For investors, it can definitely be an advantage to have the ETF portfolio built for them rather than selecting the individual ETFs themselves.

The 5 most important advantages for investors are:

1. You can start saving with little money.
2. You save on costs and fees.
3. You need to invest almost no time and effort.
4. You use scientific findings for your investment.
5. You participate in return opportunities worldwide.