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Our global ETF portfolio tracks the global capital market. This means that we invest in 13 different products and thus indirectly in a total of more than 13,000 shares and 2,000 bonds from over 70 countries. In doing so, our strategy is deliberately forecast-free. This concept is based on the repeatedly proven insight that no active fund management is able to beat the market over the long term. It therefore makes lasting sense to track the returns of the markets as efficiently as possible. Because, despite all the fluctuations: over the long term, the equity markets have always risen in the past.

With a „normal“ ETF savings plan at a bank or broker, you usually invest your money in just one ETF, that is, a single index. As a rule, you have to choose this yourself. At quirion you always invest – even with a savings plan – in a complete ETF portfolio made up of several ETFs within a managed wealth service. These are selected by a team of investment professionals on the basis of the latest financial market research. In this way we bring almost the entire world market into your portfolio. This is not possible with a single ETF. In addition, our experts constantly check whether cheaper or even better-suited ETFs are coming onto the market and then adjust the portfolios accordingly at no extra charge. And: before investing, quirion determines your personal risk-return profile and ensures that your portfolio matches this profile – not just at the time of investment, but permanently through regular rebalancing.

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First, register via ‚Open an account‘ on our portal. To do so, you sign up with your email address and a password of your choosing.

You will then receive a PIN code by email to verify your email address. Once you have entered this PIN code, your personal details, contact details and ID data are captured.

Finally, you can choose between verifying your identity in the quirion app, on your computer or at a Deutsche Post branch. Your quirion account is then opened for you without delay.

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The fee in the Digital package is 0.48 per cent of the invested amount per year, incl. VAT.

An example calculation: for an invested amount of 10,000 euros you pay just 48 euros per year. On top of this come around 0.17 per cent (that is only 17 euros per year) in ETF costs, which the ETF providers deduct directly from the fund price. The total costs of 65 euros in the first year therefore amount to just 18 cents per day. There are no further hidden costs or fees. If we receive kickbacks, we refund them to you in full. The fee is charged pro rata and settled monthly. This makes quirion unbeatably good value. For comparison: for a conventional mixed fund you can expect total costs of 2.3 per cent per year, that is 230 euros per year for 10,000 euros.