There are plenty of savings plans out there. With our ETF savings plan, the right time to invest is always „now“. Here is why that is the case, and what sets our savings plan apart from many others.
1) Tap into strong return potential
When you hear „savings plan“, you might instinctively think of interest. The sometimes sharp price swings of the stock markets put many people off. But if you want to build wealth step by step with a savings plan, you are taking a long-term view. And over the long term, equities have delivered outstanding performance – even when the markets are hit time and again by crises and turbulence along the way. Stock market history proves this.
In its latest „Global Investment Returns Yearbook“, UBS, working together with the London Business School, looked back over 125 years of capital markets. One finding: in every one of the 35 countries studied, equities delivered better performance than bonds or government money market instruments. From 1900 to 2024, for example, the average annual returns in the USA came to 9.7 percent for equities and 4.6 percent for bonds. With a savings plan invested in our global ETF portfolio, you benefit from the return potential of stock markets around the world.
2) Never worry about „perfect timing“ again
Is now a good time to buy or sell? That is a question investors ask themselves especially often – particularly at the moment. The problem: nobody can reliably say in advance exactly where prices will stand the next day, next week, or a year from now. Forecasts get it wrong again and again.
Over the long term, the trend on the stock markets points upward. That is because equities give you a stake in companies, and therefore in the economy. And the economy is built for growth.
Even the current fuss over US tariff policy does nothing to change this principle. If you want to „tap into“ long-term growth in the global economy: our global ETF portfolio invests in around 8,000 equities from more than 70 countries. It is built around scientifically tested criteria to optimise the balance between return potential and risk. That is why the right time to invest in this portfolio is always „now“.
3) Avoid reckless speculation
At any given moment, individual stocks, sectors or regions stand out from the crowd with their performance. But the favourites change from time to time. Betting on individual stocks or particular market segments is very risky. Because no one knows the future, no one can reliably beat the broader market with a specific selection of securities – not even the professionals.
Analyses show this again and again. A recent study by S&P Global, for example: 91 percent of actively managed euro equity funds that invest globally performed worse in 2024 than a comparable stock market index. With its distinctive structure, our global ETF portfolio is geared towards the long-term average return of the global equity market. And it avoids the unnecessary costs and risks of active security selection.
4) Invest to suit your profile, automatically
A pure equity investment is not the right choice for everyone. The optimal investment strategy depends crucially on your individual investment horizon and your personal appetite for risk. It can therefore be advisable to add bonds to the mix. That is because bonds can help cushion the price swings of the equity portion.
With us, you do not have to think about the ratio of equities to bonds. All you have to do is answer a few simple questions about yourself. (link to https://onboarding.quirion.de/) We then automatically create, at the touch of a button, an investment proposal that matches your profile.
5) Leave the details to the professionals
Unlike a pure product savings plan, a savings plan with us includes the services of professional asset management. This covers the investment strategy and its implementation: finding the best combination among hundreds of ETFs for the most optimal diversification possible is no easy feat. Not least because the ETF landscape is constantly changing and the portfolio occasionally needs to be adjusted.
What is more, the weightings within the portfolio shift constantly as prices move. To ensure that the portfolio continues to match your investment profile over the long term, you have to counteract this regularly through what is known as rebalancing. With an investment in the global ETF portfolio, you do not have to worry about any of these details. And you can sit back and relax – even during turbulent market phases.
Find out more about our ETF Savings Plan PLUS here.
