Digital investment
at Europe's most attractive financial centre
We invest your assets according to modern value investing principles in order to protect and increase them over the long term.
Modern Value Investing
- Focus on undervalued equities
- Individual securities instead of ETFs
Financial centre Liechtenstein
- Most stable framework conditions for investors
- High security through financial market supervision
Personal Service
- Advisor at your side
- By telephone, in writing or in person
Known from
Digital investment
at Europe's most attractive financial centre
We invest your assets according to modern value investing principles in order to protect and increase them over the long term.
Performance
The performance of our strategies
Performance before costs and taxes. The values are based on back calculations as well as on the actual performance of the model portfolios.
Data source: Privé Managers
Status: 31.05.2023
Digital and uncomplicated
Long-term asset growth in the sought-after financial centre of Liechtenstein
With a combination of digital convenience and human investment expertise, our goal is to increase and protect your assets over the long term. To this end, we invest, among other things, in excellent companies that are traded on the stock market below their actual value.
- Qualitative investments
Their assets flow into shares and bonds of excellent companies.
- Liechtenstein financial Center
With a custody account solution in Liechtenstein, you benefit from the advantages of this sought-after financial centre.
- Wide product range
Estably is suitable for investment by private individuals, companies, and for private pension provision.
- Human instead of algorithm
Investment decisions are made by our experts, not by algorithms.
- Digital comfort
Open your custody account via smartphone or PC and keep an eye on your investments at all times.
- Personal service
We are available to you at any time in person, by telephone or in writing.
Our Portfolios
The right strategy for every type of investor
Should we invest our assets in hand-picked individual stocks? Or do you prefer to participate in the funds of star investors? How important is sustainability to you?
All of our strategies are also available as joint or company custody accounts.
Best of Funds
The “Best of Funds” strategy allows you to invest in the funds of the most successful value and quality investors.
Minimum investment
from 20.000€
Risk classes
5
Investment approach
Broadly diversified, focus on funds with a value or quality approach
Costs
From 0.99% service fee
10% performance fee
0.5-0.8% product costs
- A selection of successful funds
- Broadly diversified portfolios
- ESG-Conform
Modern Value
Our “Modern Value” strategy is based on hand-picked individual stocks selected according to modern value investing principles.
Minimum investment
from 20.000€
Risk classes
5
Investment approach
Concentrated, focus on a few companies
Costs
From 1.2% all-in fee,
10% performance fee
- Handpicked individual titles
- Concentrated portfolios
- ESG-conform
Value Green
With our “Value Green” strategy, you invest in carefully selected individual stocks that meet high sustainability standards.
Minimum investment
from 20.000€
Risk classes
5
Investment approach
Concentrated, focus on a few companies with a high ESG rating
Costs
From a 1.2% all-in fee,
10% performance fee
- Handpicked individual titles
- Concentrated portfolios
- ESG-conform
Asset Protect
This strategy focuses on protecting your assets. To this end, we invest in gold, supplemented by currencies with stable values.
Minimum investment
from 50.000€
Risk classes
5
Investment approach
Focus on Gold
Costs
1.19% All-In Fee
- Focus on gold
- Concentrated portfolios
- ESG-Conform
The “Best of Funds” strategy allows you to invest in the funds of the most successful value and quality investors.
Minimum investment: from 20’000€
Risk classes: 5
Investment approach: Broadly diversified, focus on funds with a value or quality approach
Costs: from 0.99% service fee + 10% performance fee + 0.5-0.8% product costs
Our “Modern Value” strategy is based on hand-picked individual stocks selected according to modern value investing principles.
Minimum investment: from 20’000€
Risk classes: 5
Investment approach: concentrated, focus on a few companies
Costs: from 1.2% all-in fee + 10% performance fee
With our “Value Green” strategy, you invest in carefully selected individual stocks that meet high sustainability standards.
Minimum investment: from €20,000
Risk classes: 5
Investment approach: concentrated, focus on a small number of companies with a high ESG rating
Costs: from 1.2% all-in fee + 10% performance fee
This strategy focuses on protecting your assets. To this end, we invest in gold, supplemented by currencies with stable values.
Minimum investment: from 50’000€ (only with Liechtensteinische Landesbank)
Risk classes: 5
Investment approach: focus on gold
Costs: 1.19% all-in fee
Our strategy
Modern Value Investing
The Value Investing Principle:
"The price is what you pay. The value is what you get."
Months of analyses
Before a company ends up in your portfolio, we analyze it down to the smallest detail over a period of months. In this way, we increase your long-term return opportunities and reduce the risk.
Low price, high value
"Price is what you pay, value is what you get." To give you the chance of high returns over the long term, we only invest in undervalued companies.
Shares as inflation protection
Due to their leading market positions, many companies in our portfolios are in a position to pass on rising inflation rates directly to end consumers.
You stay informed
You will receive regular updates on our investments to keep you informed of our approach.
Managing Director and Partner
What our customers say
"The personal touch, the ongoing updates on current investments and the open and direct communication speak for themselves."
"From the very first phone calls with Estably, I sensed an openness that I wish I'd had in my professional life."
"2nd place in the customer vote for Robo-Advisor of the Year." Thanks to excellent feedback from our clients, we came second out of 39 providers in the 2021 Robo-Advisor Election.
"The personal touch, the ongoing updates on current investments and the open and direct communication speak for themselves."
"From the very first phone calls with Estably, I sensed an openness that I wish I'd had in my professional life."
2nd place in the customer vote for Robo-Advisor of the Year.
FAQ
Frequently asked questions
An asset manager tries to protect and increase the assets of his clients in the long term by actively trading on the markets.
Similar to banks, asset managers are subject to legal supervision and require a licence to offer their services.
While classic robo-advisors usually invest passively in ETFs or funds, we try to achieve above-average returns with our “Modern Value” and “Value Green” strategies by carefully selecting individual stocks. In doing so, we are the only provider to rely on a modern form of value investing, which investment legend Warren Buffett, among others, swears by.
In addition, you benefit from the excellent framework conditions of one of the most sought-after financial locations in the world.
Due to its unique political and legal framework, the Principality offers an extraordinarily high degree of security and stability.
Moreover, Liechtenstein is one of only very few debt-free AAA states in the world.
You can find out more about the unique conditions in the dwarf state here.
Depending on the investment strategy, we invest your assets in the following asset classes:
Modern Value: individual shares and bond funds
Value Green: Sustainable individual equities and bond ETFs
Best of Funds: Equity and bond funds and a few individual stocks
Asset Protect: Physical gold and foreign currencies
Yes, you can access your assets or close your custody account at any time – there is no notice period.
However, due to our long-term investment strategy, we recommend planning for an investment period of at least 5 years.
Your assets are held in custody by our custodian banks (Baader Bank or Liechtensteinische Landesbank).
Both banks are affiliated to deposit protection institutions, which means that the securities in your custody account are kept completely separate from the rest of the bank’s assets and are not affected in the event of the bank’s insolvency.
Your account balance is protected up to an amount of EUR 100,000 or CHF 100,000 in the event of insolvency.
For digital asset management with a custody account at Baader Bank, the minimum investment amount is € 20,000. The minimum investment amount with a custody account at Liechtensteinische Landesbank is € 50,000.
The tax-optimized old-age provision with Estably and prosperity starts at € 50 per month.
How to achieve long-term asset growth
In our information brochure, you can find out how we increase and protect your assets over the long term.
- We will tell you
- everything about our modern value investing strategy,
- the current and past returns of our portfolios,
- what makes the financial location Liechtenstein so desirable,
- and much more!
Professional investment in just a few steps:
1. Registration
2. Select custodian bank
3. Video identification
- Answer questions
- Select strategy
- Own an account with deposit
in
, 
, or 
receive
- Possible around the clock
- Sign contract digitally
