
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.

Digital investment
at Europe's most attractive financial centre
As a digital asset manager in Liechtenstein, we invest your assets according to modern value investing principles in order to protect and increase them over the long term.
Focus on performance
- Moderne Value Investing Strategy
- Individual shares instead of ETFs
- 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 and uncomplicated
Long-term asset growth in the sought-after financial centre of Liechtenstein
Our digital asset management pursues the goal of increasing your assets over the long term and keeping them safe. In doing so, we invest in first-class companies that are undervalued on the stock market. With a combination of digital convenience and human expertise, we offer you an innovative solution for your financial goals.


- Focus on performance
Our goal is to achieve above-average returns over the long term.
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.
Awards
Real Money Performance Test Winners
The results of the real-money performance tests show that we succeed in achieving above-average returns in the long term. Independent testers invest their own assets in the providers.

geldanlage-digital.de
Performance winner 12 months (09/2023)

geldanlage-digital.de
Performance winner 12 months (07/2021)

brokervergleich.de
Performance winner testphase VI

brokervergleich.de
Best risk-return ratio
Our Portfolios
The right strategy for every type of investor
Should we invest your 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.
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
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
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
Individual shares strategy
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
- Handpicked individual titles
- Concentrated portfolios
- ESG-conform
Sustainability strategy
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
- Handpicked individual titles
- Concentrated portfolios
- ESG-conform
Fund Strategy
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
- A selection of successful funds
- Broadly diversified portfolios
- ESG-Conform
Gold Strategy
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
- Focus on gold
- Concentrated portfolios
- ESG-Conform
Performance
Performance of the portfolios
Since the beginning of the year
Since existence
Modern Value 100
Einzelaktien
Value Green 100
Nachhaltige Einzelaktien
Best of Funds 100
Ausgewählte Fonds
Asset Protect 100
Physisches Gold
Performance before costs and taxes. The values are based on back calculations as well as on the actual performance of the sample portfolios.
Data source: Privé Managers
Status: 31.10.2023
Performance
Performance of the portfolios since the beginning of the year
Modern Value 100
Individual shares
Value Green 100
Sustainable individual shares
Best of Funds 100
Selected funds
Asset Protect 100
Physical Gold
Performance before costs and taxes.
Status: 31.10.2023; Data source: Privé Managers.
Our investment philosophy
Modern Value Investing
The price is what you pay.
The value, what you get.- Warren Buffett
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
Andreas

Class Performance + super Service
Had Estably already longer on the radar (from the real money tests) and wanted to wait a bit, maybe I should have invested a little earlier, because the performance is just great!
And as has already been written here, the service is really great, the consultants take enough time for you.

Tamara B.

Friendly customer service
I feel in good hands with Estaby, the search for a partner for the management of my assets has required some comparison work. Also, the personal contact was always friendly and appreciative, you do not find in this form everywhere. I am satisfied.
Please keep up the good work!

Klaus

Absolutely recommendable!
Everything is explained very clearly on the website. I spoke briefly with an advisor before signing the contract, just to make sure I understood everything correctly.
Great combination of digital and “in person”. Absolutely recommendable!

FAQ
Frequently asked questions
A digital 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.
The integration of modern technology offers an excellent opportunity for uncomplicated, high-quality investment.
Learn more
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.
As a digital asset manager in Liechtenstein, you also 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.
Digital Asset Management:
We manage and grow your assets over the long term with an investment strategy of your choice.
Trade by yourself:
We arrange a first-class securities account for you with the renowned provider Interactive Brokers and are at your side with customized training, individual support, a wide range of products, and attractive conditions.
Private Pension Provision:
In cooperation with insurance companies, we enable you to provide for your retirement. Through the insurance shell, you benefit from tax advantages, among other things.
Overnight and fixed-term deposits:
With our attractive range of overnight and fixed-term deposits, we offer you shorter-term opportunities to invest your assets in one of the safest locations in the world.
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.
What makes Estably unique from other robo-advisors
In our information brochure, you will find a few pages summarizing what sets Estably apart from its competitors.

- Find out:
- how Estably compares in performance comparison,
- the principles on which our investment strategy is based,
- what makes Liechtenstein so attractive as a financial center,
- and much more!