Too risky, too expensive, too complicated? With the right investment strategy, the hurdles to investing in the stock market are pretty low. And you don't even have to wait for the "right" moment.
1) Building wealth? Not with interest-bearing products!
The turnaround is here: after many years, the signs on key interest rates are reversing once again. In the USA, there have already been three rate hikes this year. In the eurozone, too, rates will soon rise. But that doesn't yet mean interest-bearing products will quickly become really attractive again for investing. Because high inflation is eating away at the purchasing power of your capital. After deducting the inflation rate, such products usually leave you with a real loss.
2) Equity markets offer protection against inflation
Through stocks, investors share in the value creation of the economy. Even if it can take a while: sooner or later, a rising price level will also show up in companies' revenues and profits. Through quirion's global ETF portfolios, investors participate in the growth of the world economy. The portfolios hold stakes in around 8,000 companies from over 70 countries.
3) The best time: always now!
Prices on the stock exchanges sometimes fluctuate quite sharply. This can be seen especially this year. Finding the stocks that happen to be rising is pure gambling — and not only in this situation. But the world economy as a whole is geared toward growth. Over the long term and on average, the stock market goes up. That is a foundation of quirion's investment strategy: don't go hunting for supposedly "right" stocks or for the "right" moment — instead, stay invested in the market at all times, as broadly diversified as possible. Otherwise, you all too quickly miss the best days on the market.
4) Too risky? It doesn't have to be!
Not everyone wants to fully expose themselves to the price fluctuations of the stock market. For some, they are simply too strong. By adding comparatively stable bonds, quirion provides access to equity investments for the widest range of risk appetites. The bonds ensure that the fluctuations in the portfolio turn out smaller. That way, even those who prefer to invest more cautiously can participate in global equity returns.
5) An important lever: costs
Fees weigh on your return. With actively managed funds, the recurring costs alone often add up to two percent and more.
At quirion, costs stay at a very low level thanks to the use of ETFs. In the "Robo-Advisor Study 2022" by FondsConsult, quirion is among the three cheapest providers of the 24 digital wealth management services tested. Cheap, but good: in the qualitative assessment, quirion was the only provider in this comparison to achieve the top grade of 1.0.
6) Investing, convenient and flexible
A common argument against investing is that it's complicated and only for "insiders." The advantage of digital wealth management: investors don't have to worry about anything. Whether with a one-off investment or with savings plans — getting started is easy. It also doesn't require any minimum investment, still a major hurdle to this day when using traditional wealth management services. Investors also stay flexible and can access their money at any time.
7) With advice or without? The main thing is independence!
Quite a few people have lost their trust in advisory services. All too often, the focus is on selling in-house products. On the other hand, many find a purely digital wealth management service too impersonal. At quirion, there is advice for everyone who wants it. And who pays a small surcharge for it: only this way does advice remain independent of sales commissions and take place exclusively in the interests of investors.
8) Sustainable — and still broadly diversified
Today, many people are looking not only for returns but also want to invest their money responsibly. Yet only once a balanced ratio of return and risk is ensured can investors also invest larger amounts over the long term with a clear conscience. quirion's sustainability portfolios take all these aspects into account. With their broad positioning, these portfolios are likewise suited to systematic wealth building. You can find more about the sustainability portfolios here.
