Clear fees before you invest
Understand what the investment portfolio service costs, what it includes and which product or platform costs remain separate. This page explains investment advice fees through scope, evidence, costs and decision boundaries.
A short fit conversation — not personal investment advice.
Service fee
0.7% p.a. including VAT
Monthly calculation
Invested capital
Agreed scope
Contract terms
External costs
Keep every cost layer visible
Disclosure
Know who charges what before deciding
Total cost anatomy
Investment Advice Fees — One percentage is not the whole cost picture
Investment advice fees in Germany should be read together with every other cost layer.
This visual organises the page’s main inputs, boundaries and next questions. It is explanatory, not a personal recommendation.
Service
0.7% p.a. including VAT; monthly charge on in-scope invested capital.
Product or fund
Instrument-specific ongoing or transaction costs.
Platform and custody
Provider-specific fixed or percentage charges.
Trading and FX
Activity- and market-dependent costs.
Tax and specialists
Circumstance-specific and outside the service fee.
Layer sizes are illustrative, not proportional. Current agreements and product documents govern.
The situation
0.7% per year including VAT
The fee is calculated and charged monthly on capital invested through the service. Example formula: Capital invested through the service × 0.7% ÷ 12 for an indicative monthly amount. The actual charge can vary as the invested capital changes.
What you receive
Ongoing advice and portfolio analysis
The portfolio service fee covers ongoing investment guidance and analysis of the portfolio held through the agreed service. The exact service scope is documented before engagement.
The portfolio service fee covers ongoing investment guidance and analysis of the portfolio held through the agreed service. The exact service scope is documented before engagement.
What you receive
External costs are separate
Depending on the selected solution, additional costs may include:
- Product or instrument costs
- Fund or ETF ongoing charges and transaction costs
- Platform or account charges
- Custody charges
- Trading, spread or foreign-exchange costs
- Taxes or third-party professional fees
What to understand
Different services may use different remuneration models
The 0.7% fee applies to investment portfolios. Retirement or insurance solutions may involve commissions paid by the provider. The applicable remuneration model, product costs and contractual terms are disclosed before you decide.
What to understand
No promise of returns and no discretionary management
Fees pay for advice and analysis, not guaranteed performance. You remain responsible for investment decisions, retain control of your account and approve transactions.
Frequently asked questions
Clear answers before the next step
Is VAT included in the 0.7% portfolio fee?
Yes.
How often is the portfolio fee charged?
Monthly, based on capital invested through the service.
Are fund and ETF costs included?
No. Fund, ETF, product, platform and custody costs are external and disclosed separately.
Is Finanz2Go fee-only or commission-free?
No such claim is made. Retirement and insurance solutions may involve provider-paid commissions. The applicable remuneration is disclosed before a decision.
Do I pay the 0.7% fee for retirement or insurance products?
Not automatically. The 0.7% fee is the investment portfolio service fee. Other services may use different terms and remuneration models. —
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Talk through your next financial decision
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Book an introductory call ↗A fit conversation — not personal investment advice.