Build a new investment portfolio in Germany
Turn savings into a structured long-term plan with an asset allocation you understand, costs you can see and risks you are prepared to take. This page explains investment portfolio through scope, evidence, costs and decision boundaries.
A short fit conversation — not personal investment advice.
Brief
Define the job before choosing investments
Purpose
Horizon
Liquidity
Loss capacity
Structure
Diversify intentional risks—not every risk
Control
Understand each step before approval
Portfolio brief
Investment Portfolio — The allocation is not the first decision
An investment portfolio for expats in Germany should begin with a written brief.
This visual organises the page’s main inputs, boundaries and next questions. It is explanatory, not a personal recommendation.
Purpose
What must this money make possible?
Time horizon
When could some or all of it be needed?
Liquidity
Which amount must remain readily accessible?
Capacity for loss
What decline could your finances absorb?
International plans
Where may you live and spend in future?
Educational framework—not a model portfolio or personal recommendation.
The situation
Strategy before products
We begin with what the money is for, when you may need it and how much uncertainty your finances can absorb. Your income, emergency reserve, existing assets, pension expectations and international plans shape the recommendation.
What you receive
A structured path from cash to an investment plan
- Objectives and constraints — Define goals, time horizon, liquidity needs and potential relocation.
- Risk assessment — Discuss your willingness and financial capacity to accept losses and market volatility.
- Portfolio design — Develop an allocation intended to diversify risk across suitable investments.
- Recommendation and costs — Review the rationale, risks, product features and all known cost layers.
- Client-approved implementation — You decide whether to proceed and approve each transaction.
- Ongoing advice and analysis — Review the portfolio as markets, goals and circumstances change.
Decision framework
Long-term guidance, not market prediction
The service is designed for long-term investing rather than short-term trading or attempts to time the market. Diversification can reduce some risks but cannot prevent losses. No return is guaranteed.
What you receive
Portfolio service fee: 0.7% per year including VAT
The fee is calculated and charged monthly on capital invested through the service. It covers ongoing advice and portfolio analysis. Product, fund, ETF, platform and custody costs are additional and depend on the selected implementation; they are disclosed separately before you proceed.
The fee is calculated and charged monthly on capital invested through the service. It covers ongoing advice and portfolio analysis. Product, fund, ETF, platform and custody costs are additional and depend on the selected implementation; they are disclosed separately before you proceed.
Frequently asked questions
Clear answers before the next step
How much do I need to start a new portfolio?
Suitability depends on your finances, objectives and the available implementation. Discuss your intended investment amount on the introductory call; no minimum is stated here unless confirmed for this service.
Will you choose individual stocks for me?
The recommendation depends on your situation and the agreed investment strategy. The objective is a suitable, diversified structure—not speculation on individual securities.
Can I access my money?
Liquidity depends on the investments and account structure selected. Any restrictions, sale risks or time requirements should be explained before implementation.
Who makes the final investment decision?
You do. You control the account and approve every transaction.
Can the portfolio lose money?
Yes. Market investments fluctuate, and loss of capital is possible. The portfolio is designed with your risk profile in mind, but risk cannot be removed. —
Start with a short conversation
Talk through your next financial decision
Start with an introductory call to clarify the question, likely fit and a responsible next step.
Book an introductory call ↗A fit conversation — not personal investment advice.