Equity portfolios & ETFs
For anyone who invests and wants to know what they own.
A broadly diversified equity portfolio with full flexibility. Access at any time, in line with your risk profile.
Pillar 02 · Investments
Stay liquid. Own substance.
A portfolio of equities and precious metals is the part of your wealth that stays available at any time. We build it to withstand crises.
Free30 minutesBy videoLicensed
0€
tax-free allowance per year
Investment income up to €1,000 stays tax-free, €2,000 for married couples.
0
months holding period
after which gains on physical precious metals are tax-free in Germany.
0
building blocks
Equity portfolio, pension policy, precious metals as anchor.
Three building blocks
Own what you understand.
No tips, no bets. A portfolio is a structure you set up properly once and then leave alone. The three blocks work together.
ETFs inside a pension policy
For anyone investing long term who keeps tax in mind.
Same ETFs, different wrapper. Inside the policy you can switch funds without triggering tax. The tax office either helps you while you pay in, or taxes only part of the gain at the end.
Physical precious metals
For anyone who wants to hold part of their wealth outside the financial system.
Gold and silver you can hold: no issuer, no balance sheet. After twelve months, gains on sale are tax-free. We sort out bar sizes, storage and a sensible allocation.
How it works
Simple. Transparent. No obligation.
Intro call
30 minutes by phone or video. You tell us where you stand and what is on your mind.
Analysis
If there is a fit, we work through your finances together. The result is a written plan that is yours to keep.
Implementation
We walk you through the right products and strategies. You decide what to move forward with. We handle the rest and stay your point of contact.
The people behind it
Four founders. One standard.
Heiko Himmel
Yannik Weber
Vitali Freisinger
Valentin Bockstaller
Würzburg head office, advisors across GermanyLicensed and listed in the German broker registerEnglish & German advice in both languagesSame working day we usually get back to you
Frequently asked
Questions, answered.
01What happens on the intro call?+
We start with a phone call. You tell us where you stand and what is on your mind. If there is a fit, we follow up with a personal financial analysis and a written plan that is yours to keep.
02Is there a minimum level of wealth to work with you?+
No hard minimum. Our work is most valuable for high earners and entrepreneurs in Germany who carry a significant tax and social security burden and want their finances to work harder.
03How are you paid, and how is that different from a bank advisor?+
Depending on the best solution for you, we work on a fee basis or receive a commission from product providers. Either way, we explain our compensation clearly at the start of the first meeting.
Free call
One call, and you know more.
30 minutes, free and without obligation. One of us calls you back, usually on the same working day.
- 30 minutes by phone or video
- A fixed point of contact, no call centre
- We usually call back the same working day
Request received
Thank you,
One of us will call you on , usually on the same working day. A short confirmation goes to .
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