Saving is a thing of the past
Our robo-advisor manages your investments for you.
If you invest your money with Smavesto, you won’t need to keep regularly checking your portfolio yourself. Smavesto will take care of it for you. Smavesto’s AI-based technology, which was previously only available to large investors, responds automatically to developments on the market based on your investment criteria and goals. Your portfolio is regularly restructured and reinvested in a way that’s transparent and maximally tailored to your needs. Meaning you have time to focus on your professional or personal goals without constantly needing to check on the stock markets.
The heart of Smavesto is a self-learning algorithm that our partner GET Capital has been using successfully for years. The algorithm’s systems analyse large volumes of online price data over time so as to produce estimates of current risks and opportunities on various capital markets. For Smavesto, a rate-of-return calculator was developed based on machine learning methods. It can be used to predict trends on capital markets over various periods of time. Smavesto continuously optimises your portfolio using the latest market analysis results.
We know your circumstances are as individual as you are. Whether you have a large sum free to invest or need to be a little more financially prudent at the moment, you can decide whether you want to make a one-off investment (min. €1,000) or if you’d simply like to top up your portfolio by an amount of your choice each month (min. €50). Or a mix of both. With Smavesto, you have complete flexibility over how much to invest and how it’s invested. Enter your risk profile, expected return and ESG criteria, and you’ll get a Smavesto portfolio that’s individually tailored to you. Read on to learn more about how Smavesto works.
It takes a lot of time to put together and monitor a balanced ETF and ETC (exchange-traded funds and commodities) portfolio. Smavesto simplifies the process and manages your investments on an ongoing basis.
- Quick and easy registration process
- Fully automated portfolio creation based on your individual requirements
- Powerful algorithm constantly monitors your portfolio and restructures it if necessary
- All decisions by the algorithm are reviewed for plausibility by an experienced portfolio manager
- 24-hour customer service
Profit and sustainability are perfectly compatible. With Smavesto, you can choose to invest in line with strict ESG criteria. That means Smavesto will choose investments for you that are environmentally, socially and ethically responsible.
- Compliance with strict ESG criteria ensures sustainable investment.
- You can also choose not to invest in emerging markets or foreign currencies.
- Smavesto’s processes are almost entirely paperless.
Needless to say, investment is more fun when it’s profitable. There are many reasons why you might want to build your wealth – for your retirement, for big purchases, for financial security.
Smavesto is a cutting-edge strategy for making more out of your existing money.
- Our algorithm harnesses the dynamism of the market to generate yields that outperform current interest rates.
- No minimum terms or notice periods. However experience shows that longer-term investments have a higher return.
- Check your portfolio at any time on your browser or in the app
- Make deposits and withdrawals at any time* free of charge
- Get started from just €50 per month or a one-off deposit of €1,000
* Processing time: three to five working days
How to get started
- In the app or on smavesto.de: It couldn’t be easier to get started with Smavesto: enter the amount you want to invest, choose your risk profile and select suitable investment products. Then you create an account and we’ll verify your identity using the incredibly straightforward WebID process.
- Enter the amount: Decide how much you want to invest – either a one-off investment starting at €1,000 or a monthly payment starting at €50.
- Choose your risk profile: Smavesto will create your portfolio using stocks that are subject to market fluctuations. A graph will show you the risks and opportunities associated with each risk profile. It’s up to you what level of risk you feel comfortable with.
- Configure your individual settings: You can decide whether to only include sustainable investment products in your portfolio, and whether or not you want to invest in foreign currencies and emerging markets.
- Registration with WebID: After you create your personal account, we simply need to verify your identity using WebID. All you’ll need is a webcam and your personal ID.