Existing investment portfolio review for €100,000+
Understand what you own, what it costs and whether the portfolio still fits your goals, risk capacity and plans inside or outside Germany. This page explains portfolio review through scope, evidence, costs and decision boundaries.
A short fit conversation — not personal investment advice.
Inventory
Bring separate accounts into one view
Holdings
Jurisdiction
Costs
Restrictions
Analysis
Expose concentration and hidden overlap
Decision
Keeping investments can be a valid result
Evidence map
Portfolio Review — A review connects holdings before it judges them
An investment portfolio review in Germany brings separate statements into one evidence map.
This visual organises the page’s main inputs, boundaries and next questions. It is explanatory, not a personal recommendation.
Exposure
Regions, sectors, currencies, providers and asset types.
Overlap
Repeated underlying holdings and shared risk drivers.
Cost
One-off, ongoing and transaction-dependent charges.
Liquidity
Sale, transfer and contractual constraints.
Purpose
Whether each holding still has a defined role.
Findings depend on complete, current documentation and cannot guarantee improved performance.
The situation
A second look can reveal hidden mismatches
A review may help if your portfolio was built over time, combines accounts from several countries, contains legacy products, has become concentrated, or no longer reflects your timeline and priorities.
What you receive
A portfolio-level assessment
- Asset allocation and diversification
- Concentration by holding, sector, region, currency or provider
- Volatility, downside exposure and fit with your capacity for loss
- Product, fund, ETF, platform and custody costs where data is available
- Overlap, complexity and liquidity
- Alignment with your objectives and expected time horizon
- Practical considerations if you may leave Germany
Decision framework
Clear findings and considered next steps
We explain the current structure, material risks and cost layers, then discuss whether keeping, simplifying or changing parts of the portfolio may be appropriate. A recommendation to change is not automatic; existing investments may remain suitable. Where implementation is agreed, you approve each transaction. Selling or switching investments can create costs, market risk and tax consequences, so tax questions should be reviewed with a qualified tax adviser.
What you receive
Designed for portfolios of €100,000 or more
Before the full review, we confirm scope and the documents needed. These may include current statements, security identifiers, purchase history, cost disclosures and details of products held outside Germany. Incomplete data may limit the analysis.
Before the full review, we confirm scope and the documents needed. These may include current statements, security identifiers, purchase history, cost disclosures and details of products held outside Germany. Incomplete data may limit the analysis.
What to understand
If ongoing portfolio advice is suitable
The ongoing investment portfolio service costs 0.7% per year including VAT, calculated and charged monthly on capital invested through the service. External costs are additional and disclosed separately. Any terms for the initial review should be confirmed before work begins.
Frequently asked questions
Clear answers before the next step
Why is this service for portfolios of €100,000 or more?
The current service is designed for existing portfolios at or above that value. Suitability and scope are still assessed individually.
Do I need to move my whole portfolio?
No. The review starts with analysis. Any proposed changes should have a clear rationale, and you decide whether to proceed.
Can you review investments held outside Germany?
They can be considered where adequate documents and data are available. Regulatory, tax or platform limitations may require input from specialists in other jurisdictions.
Will the review include tax advice?
No. Tax implications may be flagged, but personal tax advice must come from a qualified tax adviser.
Is better performance guaranteed after a review?
No. The review aims to improve understanding and alignment, not to guarantee returns or prevent losses. —
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.