What investment options are there?
Our digital wealth management covers several investment strategies. They differ in the ratio of equities to bonds. In the global ETF portfolios you can choose from ten variants: from 10 percent equities with 90 percent bonds up to 100 percent equities with no bonds.
There is also a portfolio focused on sustainability – likewise in ten steps.
- Robo-Advisor
More questions on Robo-Advisor
Does everything work automatically with a robo-advisor?
We use the opportunities offered by digitalisation. However, no digital process can cover every aspect of investing. For this reason, the “human factor” at quirion continues to play an important role. In the Premium package, for example, there is a personal contact.
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.
Why does „rebalancing“ reduce risk?
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.
How safe is investing in ETF portfolios?
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.
How many people use robo-advisors?
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 32 million – worldwide. In Germany, in 2024 around 259,000 people use a robo-advisor.
What happens if quirion goes bankrupt?
That would not mean any loss for you: your ETFs and securities are untouchable and belong to you – whether the fund company becomes insolvent, or the custodian bank or asset manager does!
How many robo-advisors are there in Germany?
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.
What are the arguments against robo-advisors? Disadvantages?
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.
What advantages do robo-advisors offer?
The 5 most important advantages for investors are:
- You can start saving with little money.
- You save on costs and fees.
- You need to invest almost no time and effort.
- You use scientific findings for your investment.
- You participate in return opportunities worldwide.
Just ask.
quirion.ai answers around the clock. Or write to us and we will get back to you personally.