Get more out of your wealth
Many quirion customers ask themselves one crucial question: How much security do I really need — and at what point am I giving away returns?
That's exactly what we clarify in a personal online consultation.
- Analysis of your goals and wealth structure
- A clear recommendation for splitting between your emergency fund & investment capital
How much security do I really need
— and at what point am I giving away returns?
Your call-money account at quirion already works soundly for you.
But many of our more than 100,000 customers with larger reserves use a second lever:
They deliberately separate between:
- a safety buffer (emergency fund)
- long-term investment capital
The idea is simple — but effective:
One part stays flexibly available. The other part is invested strategically — broadly diversified, scientifically grounded, return-oriented.
In our online consultation, we review together:
- How large your sensible safety buffer should really be
- Which amount can unlock greater return potential over the long term
- What professional asset management could look like specifically for you
- What costs are involved — transparently and at a glance
quirion & Quirin Privatbank:
One team for your investment
quirion stands for digital, low-cost investing.
Behind it stands Quirin Privatbank — a bank that has specialised for many years in independent, commission-free and scientifically grounded asset management.
Your online consultation is conducted by experts from Quirin Privatbank — and is the logical next step from your existing call-money account at quirion.
What this means for you:
- No commissions
- No hidden kickbacks
- A clear, transparent fee structure
- Advice solely in your interest
How it works
Professional management
Your money is invested in ETFs on a scientifically grounded, broadly diversified basis — tailored to your risk appetite. Ongoing risk monitoring and regular rebalancing included.
Long-term return potential
Compared with call money alone, you have the chance of considerably higher returns — especially over investment periods of more than 3 years.
Goal-oriented wealth planning
Realistic and forward-looking navigation of your individual assets and goals for the next 10, 20 or even 30 years.
Transparent &
fair costs
A Germany-wide transparent and binding flat service fee based on the amount of assets under management, from which family groups also benefit.
Everything from a single
source
quirion and Quirin Privatbank work closely together. Your call money, your investment and your advice all interlock.
Your advisor:
Fábio Aires Silveira
About me
For many years I've supported customers with the strategic structuring of their wealth. As one of the early pioneers of online advice, I've already analysed over 1,000 portfolios and helped investors align their investments more clearly, more efficiently and sensibly for the long term.
What convinces me?
The scientifically grounded approach and the consistent commission-free stance of Quirin Privatbank. Because good advice should not live off selling products — but off trust.
Personally, I value reliability, long-term perspectives and genuine conversations as equals. That's exactly what my customers feel too.
Profile
This is how straightforward your
online consultation
Choose an appointment
You choose a suitable appointment online. Video or phone — exactly as you prefer.
Prepare briefly
A rough overview of your assets is enough. Nothing more is needed.
Personal conversation
We talk about your goals, your risk appetite and the optimal split between security and return.
Your personal proposal
You receive a clear, structured recommendation.
You decide at your leisure — with no obligation.
Even more questions? Fire away!
Does the online consultation cost me anything?
What happens to my existing call-money account at quirion?
Do I have to invest all my money?
Do I need prior knowledge of investing or securities?
Is Quirin Privatbank independent?
