Saving with an ETF plan. Reach your goal, simply and automatically.

Saving with ETFs alone does not automatically save you tax -- what matters are the child's tax-free allowances. Every child has their own saver's lump-sum allowance (the annual tax-free allowance for investment income) of €1,000 per year. Investment income up to this limit remains tax-free. If a child's investment income is likely to exceed the saver's lump-sum allowance of €1,000 per year, a non-assessment certificate (NV-Bescheinigung) may be worthwhile. If the child's total income in 2026 is below the basic tax-free allowance, then together with the saver's lump-sum allowance and the special-expenses lump-sum allowance, investment income of up to around €13,384 per year can be received tax-free. The non-assessment certificate is applied for at the responsible tax office and generally applies for up to three years.

Children are also entitled to tax-free allowances on investment income. The saver's lump-sum allowance (the annual tax-free allowance for investment income) currently amounts to €1,000 per year. Investment income from an ETF savings plan remains tax-free up to this limit. If a child's investment income is likely to exceed the saver's lump-sum allowance of €1,000 per year, a non-assessment certificate (NV-Bescheinigung) may be worthwhile. If the child's total income in 2026 is below the basic tax-free allowance of around €12,000, then together with the saver's lump-sum allowance, investment income of up to around €13,000 per year can be received tax-free. The non-assessment certificate is applied for at the responsible tax office and generally applies for up to three years.

Technically, your savings amount is debited from you via direct debit. This means that, at your choice, the savings amount you set is debited from your reference account at the start of each month or quarter. Your money is invested automatically, without you having to worry about anything else.

With a “normal” ETF savings plan at a bank or a broker, you usually invest your money in just one ETF, i.e. a single index. As a rule, you have to choose this yourself. With quirion you always invest – in the savings plan too – in a complete ETF portfolio made up of several ETFs within the framework of asset management. These are selected by a team of investment professionals on the basis of the latest financial market research. This way we bring almost the entire global market into your portfolio. That is not possible with a single ETF. In addition, our experts constantly check whether cheaper or even better-suited ETFs come 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 only at the time of investment, but permanently, through regular rebalancing.

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Our ETF savings plan has the advantage for you as an investor that you can start building your personal wealth straight away – with the very first deposit – and do not have to wait until you have a larger sum of money available. It is aimed at people who do not yet own substantial wealth. Over a longer period you can build up wealth step by step. Your deposited money is invested at low cost with greater return opportunities and also benefits from the compound interest effect. A one-off investment, on the other hand, is suitable for you if you already have a larger sum of money available.

Yes, of course you can change or cancel your ETF savings plan with us at any time, free of charge.

Custody at quirion is provided by Quirin Privatbank AG, which holds a full banking licence. We invest your money in investment funds. Under German law, these are deemed to be segregated assets (Sondervermögen). That is why, in the unlikely event of the insolvency of the fund company, Quirin Privatbank AG or quirion, your investments are not affected by it.

Our ETF savings plan is not only low-cost, award-winning and safe, it also offers you many further benefits:

• With our ETF savings plan too, you can already benefit from the expertise of quirion's asset managers: your wealth is invested in a professional portfolio. Annual rebalancing ensures that your portfolio always returns to its original composition.

• Even in times of low interest rates, you can build wealth with our ETF savings plan, instead of simply parking your money in a current account earning no interest and giving away valuable return opportunities.

• With our ETF savings plan you invest regularly and with discipline. This way you can secure return opportunities over the long term, instead of making emotional decisions during price fluctuations. In practice it turns out that price fluctuations are part and parcel of the capital market. With our savings plan, however, price crashes can no longer throw you off course so easily, because quirion's asset managers invest your money systematically even when prices are low.

• Our ETF savings plan also has the advantage that you do not have to actively intervene to bring your portfolio back into balance. This is because quirion's asset managers always invest your monthly savings amounts in such a way that your original portfolio composition is restored. So we can take care of this so-called rebalancing directly, whenever you top up regularly.

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