Record inflation, war, pandemic. The world is in a permanent crisis. And savers are faced with the problem of how and where they can still invest their money. More and more savers are therefore trying their hand at the capital market.
Even though interest rates have recently risen again, fixed-income investments are no longer nearly enough to offset record inflation. In the search for an incorruptible investment advisor for the capital market, many now opt for so-called robo-advisors. The term stands for software that independently decides which shares or funds to acquire for the respective customer - tailored to their investment goals and risk profile. The investments differ, depending on how sustainable the investment strategy should be - and what risks the investor wants to accept.
Those who venture into the stock market for the first time will not only pay attention to the performance of their portfolio. Above all, many newcomers to the capital market want good advice. FMH-Finanzberatung has therefore checked on behalf of ntv which providers offer their customers the best service. In contrast, costs and performance only played a subordinate role in the current comparison. They accounted for a total of one third in the assessment. FMH awarded two thirds of the possible points for service and advice.
The offers in this area are surprisingly diverse. For example, Robin/Deutsche Bank, which has been rated very well, offers a so-called rebalancing up to 15 times a year for a classic investment strategy and thus brings the different asset classes in the portfolio back into the relationship desired by the saver.
At Zeedin - Hauck Aufhäuser Lampe, customers benefit from fund-based asset management. In addition, the provider organizes regular customer events, provides a semi-annual capital market outlook and facilitates portfolio review discussions. Whitebox, also a very good provider in the classic segment, supports savers with an expert hotline and help with opening a securities account.
Even those who attach particular importance to sustainable investments do not have to do without service from the Robos. With the leader in this segment, easyfolio Green, a contract is only possible after prior consultation.
The evergreen, which is also very good, scores among other things with the monthly "fund management consultation hour". Scalable Capital prepares its customers for the stock market with webinars and informational videos. The robo-advisor growny attracted attention with a rental deposit account via ETF, good performance and easily accessible advisors when needed. The premium package from quirion, top notch both in terms of sustainable and classic investment strategies, shines not only with very good performance, but also with online events and private financial planning.
