1. Set a goal
Whether saving for your kids’ studies or securing prosperity in retirement: with a plan you can reach even big goals.
Investing with a plan
Invest in your goals – with a plan instead of gut feeling.
You name your goal, we turn it into an ETF portfolio. We invest, monitor the risk and keep your portfolio on course.
Your goals
Whether short-term, long-term, for retirement or the children.
Choose your goal. quirion has the right solution for each one.
Emergency fund
Money for now. Whether an instant-access account or Cash-Invest – invested with short-term optimisation.
Wealth-building
Money for later. An ETF portfolio, globally diversified and with no effort for you.
Retirement provision
Money for old age. Optimised retirement provision with an individual plan in minutes.
Children
Money for your child. Build a financial foundation for your children’s future early on.
How it works
Your portfolio in three steps.
You set the goal. We take care of the rest.
2. Your ideal investment
From your details, we create an investment proposal that suits your goal and your risk appetite.
3. Sit back
We invest your money, monitor the risk and bring your portfolio back to target. You watch in the app.
Costs
Just 0.48 % a year. So you keep more of your money.
The fee covers the investment proposal, account administration, transaction costs, monitoring and rebalancing. On top of that come only the ETF costs (TER) of around 0.2 % a year. Deposits and withdrawals are always free of charge.
0.48 %
asset management a year
plus around 0.2 % ETF costs (TER)
€0
for deposits and withdrawals
Why quirion
You know your goal. We know the right investment.
Investing based on scientific findings
We invest deliberately without forecasts and broadly diversified: in more than 13,000 stocks and 2,000 bonds from more than 70 countries.
Three-time test winner
Stiftung Warentest named quirion test winner three times: 08/2018, 07/2021 and 07/2026.
Safe with Quirin Privatbank
Your account and securities account are managed by our parent company, Quirin Privatbank. It holds a full banking licence.
Plan. Calculate. Reach your goals.
With our financial calculators you manage your finances individually, practically and clearly.
Still have questions? Out with them!
How does opening an account work?
The fastest way is in the app. You find the quirion app in the App Store and on Google Play — search for “quirion”.
In the app you answer a few questions about your goal, income and risk appetite, and you get your investment proposal. You then enter your personal details, contact details and ID details, and sign digitally.
Identification comes last. By video in the app is the easiest way. It also works on your computer or at a Deutsche Post branch.
We then open your quirion account right away. No paperwork, no appointment.
What do I need to become a quirion client?
You must be at least 18 years old.
You are not subject to tax liability in the USA.
You need a current account within the SEPA area.
What are ETFs (index funds)?
In recent years, exchange traded funds (ETFs) have established themselves as an alternative to open-ended, actively managed investment funds. An ETF replicates a given index as precisely as possible and adjusts its composition to match its reference value.
For example, when you buy an MDAX ETF, you get all the stocks in the MDAX in exactly their current composition on the market. If the composition of the MDAX changes, the composition of your ETF changes too.
As a result, the management and administration fees for an ETF are significantly lower. On average they amount to 0.17 percent of the invested sum per year. If a fund manager actively looks after your investment funds, the costs rise to 1.5 to 2.5 percent per year.
What does Global Portfolio mean?
If you opt for our Global Portfolio, you invest across the entire market. From the risk you are willing to take, we derive the composition of your portfolio. More equities mean more risk – but also more return opportunities. More bonds reduce the risk – but also the return opportunities.
The Global Portfolio is generally suitable for building wealth. You can also take it out in a sustainable variant.
We’re here to help you
- quirion.ai — Ask quirion.ai
The financial AI answers your questions about investing, around the clock.
- Q-Navigator — Plan your goals
The life planner: plan your financial goals in a few clicks.
- Personal contact — Contact us
You can reach our service team by phone, chat and email.
- All questions and answers — All FAQs
The answers to the most frequent questions about quirion, sorted by topic.
The quirion app
Your goal is set. Your account can be too.
Open your account in the app in a few minutes. Savings plan from €25 a month, one-off investment with no minimum amount.
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Risks: even investing in a broadly diversified portfolio carries risks (for example, volatility risk, country risk, issuer risk, market risk), which we’re happy to explain to you.
