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150 Euro bonus on your automated ETF savings plan

Invest without fear of making mistakes

  • Multiple award winner
  • Over 100,000 clients
  • Professionally managed

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Find out more about the savings plan

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1

Determine your risk-return profile

2

Invest in a savings plan of at least €100 per month or a one-off minimum of €5,000

3

Promotional code: START2026
enter

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You receive
12  12,50 €!

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This way, your bonus also has the chance to generate returns!

Offer expired

Why a bonus?

‍

Because we know how hard the first step can sometimes be. The fear of making mistakes stops many people from ever getting started. With the starting bonus we want to make it easier for you to begin, build trust and show you what professional investing feels like. Not as a lure – but as an invitation to start the right way for the long term.

With quirion you invest the right way.

We invest for you using scientifically proven methods – so you can sleep soundly and reach your goals.

Your benefits
‍

  • No wrong decisions
    Every investment decision is based on scientific capital-market research – not on emotions or trends.
  • No effort, no stress
    You don't have to follow the financial news or constantly check your portfolio. We adjust your portfolio automatically.
  • Stay calm through market swings
    Our system reacts rationally to market movements – while others sell out of fear, you stay on course.
  • Transparent costs
    Fair all-in management fee of 0.48 % p.a. – no hidden charges.
  • Multiple award winner
    Recognised by independent experts as the robo-advisor of Quirin Privatbank.
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The biggest mistake is
starting too late

Whether it's a trip around the world, your child's education or a good life in old age. The earlier you start, the stronger the effect of compound interest - and the closer you get to your goals.

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One-off deposit
€
500 €1.000 €2.000 €5.000 €
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Monthly savings amount
€
200 €300 €500 €1.000 €
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Investment period
Years
Hypothetical final capital
0
AM costs
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0,48 %
TER
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0,20 %
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Expected gain
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0
Total deposits
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The quirion ETF savings plan calculator is based on the assumption of a 100 % equity investment, which best exploits the return potential of the capital market provided the associated – at times considerably stronger – price fluctuations can be tolerated. Find out more

Philipp Dobbert, Chief Economist: "Discipline is the key to long-term success."

Why you can trust quirion

  • Digital asset management by Quirin Privatbank AG with a banking licence and headquarters in Berlin.
  • Over 100,000 investors are already investing with quirion – and the number keeps rising.
  • No own products, no sales commissions – we earn only from the transparent management fee, not from sales commissions.
  • Over 20 years of experience in professional asset management.‍
  • Your portfolio remains your property – fully protected as segregated fund assets, even in the event of the bank's insolvency.
Focus Money
Börse Online Robo Advisor of the Year 2024
extraEtf recommendation
Wirtschafts Woche Best Robo-Advisor

Leave the difficult decisions to the professionals

Start now - without fear, without stress, on a scientific basis.

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Still have questions? Fire away!

all FAQs

When and how exactly do I receive the bonus?

The bonus is invested into your savings plan automatically each month – a total of 12 × €12.50 in the first year.

ETF savings plan or one-off deposit: which is better for me?

That depends on your situation. A savings plan reduces timing risk and is ideal for regular saving. A one-off investment makes sense if you already have capital. Both approaches work on a scientifically sound basis with quirion.

What happens if the stock market falls after I've started?

That's exactly what quirion is for: we invest regularly (cost-average effect) and adjust your portfolio automatically. Fluctuations are normal – our approach is designed to respond optimally over the long term.

Why isn't an MSCI World ETF alone enough?

The MSCI World is a good building block – but not a complete portfolio. From a scientific perspective, important elements are missing:

  • Extreme concentration on the US and tech: Over 70% of the MSCI World is made up of the US, and much of that is concentrated in a few tech giants (Apple, Microsoft, Nvidia, Amazon, etc.). That is not genuine global diversification – you are effectively betting on one market and one sector.
  • No emerging markets: The MSCI World covers only developed markets. Emerging markets are missing entirely – yet they account for around 10% of global market capitalisation.
  • No risk management: A pure equity ETF has no stabilising component. Bonds or other asset classes can significantly reduce fluctuations.
  • No adjustment to your life situation: At 25 you can take more risk than at 55. A single ETF doesn't know your age, your goals or your risk appetite.
  • No automatic rebalancing: If equity markets rise sharply, your risk may shift upwards – without you noticing. quirion automatically brings your portfolio back into balance.

How is my quirion ETF savings plan carried out?

Fully automatically: monthly direct-debit collection, automatic investment in your strategy, continuous rebalancing. You don't have to do a thing.

Is my quirion ETF savings plan safe?

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 treated as segregated fund assets. This is why, in the unlikely event of the insolvency of the fund company, Quirin Privatbank AG or quirion, your investments are not affected.

What does quirion do differently compared with buying ETFs myself?

We take three critical decisions off your hands:

  1. which ETFs at what weighting,
  2. when to buy more or reallocate,
  3. how to react to market fluctuations.

We make these decisions according to scientific principles – not gut feeling.

The ETF savings plan calculator from quirion is based on the assumption of a 100 % equity investment, which best exploits the return potential of the capital market provided the associated – at times considerably stronger – price fluctuations can be tolerated. The return of 7.96 % p.a. assumed for equity saving is based on the actual average return of the MSCI All Country World Index (MSCI ACWI for short, calculated in euros, incl. dividends) over the past 20 years (as at 30.06.2024). It contains predominantly standard equities from developed and emerging markets. For simplicity, the estimate assumes a constant performance over the entire term. In reality, however, an equity investment always develops with – at times sharp – fluctuations, which can also involve temporary losses. Such estimates are not a reliable indicator of future performance. The assumed ongoing costs are the quirion asset-management fee for the purely digital variant (0.48 % p.a.) plus 0.20 % p.a. ETF costs (known as the Total Expense Ratio, TER).