Costs

Compared to passive investments, the costs are minimally higher at Estably – but if you take into account the better performance we achieve through our active management, we increase your assets more strongly even after deducting the costs.

You are free to choose Baader Bank, domiciled in Germany, or the Liechtensteinische Landesbank as your custodian bank, with the unique advantages of the Liechtenstein financial centre.

1,2% All in Fee

Complete asset management
Account management with Baader Bank
Depot management at Baader Bank
All securities transactions

10% Performance Fee

The performance fee of 10 % is only payable if we reach a new performance peak in the respective year. If we fail to do so, a possible decline must be recovered in the following year before this fee is payable.

from 35.000€

Minimum investment amount 35.000€

Why Baader Bank?

Most modern technological infrastructure
One of the leading investment banks in Germany
Direct access to the main European trading centres

1,5% All in Fee

Complete asset management
Account management with LLB
Depot management with LLB
All securities transactions

10% Performance Fee

The performance fee of 10 % is only due if we reach a new performance peak in the respective year. If we fail to do so, a possible decline must be made up in the following year before this fee is charged.

from 100.000€

Minimum investment amount 100.000€

Why Liechtensteinische Landesbank?

Founded in 1861 with the Principality of Liechtenstein as the main shareholder
Stable Swiss franc as legal currency
Banking centre without state aid outside the EU

Costs

Compared to passive investments, the costs are minimally higher at Estably – but if you take into account the better performance we achieve through our active management, we increase your assets more strongly even after deducting the costs.

You are free to choose Baader Bank, domiciled in Germany, or the Liechtensteinische Landesbank as your custodian bank, with the unique advantages of the Liechtenstein financial centre.

1,2% All in Fee

Complete asset management
Account management with Baader Bank
Depot management at Baader Bank
All securities transactions

10% Performance Fee

The performance fee of 10 % is only payable if we reach a new performance peak in the respective year. If we fail to do so, a possible decline must be recovered in the following year before this fee is payable.

from 35.000€

Minimum investment amount 35.000€

Why Baader Bank?

Most modern technological infrastructure
One of the leading investment banks in Germany
Direct access to the main European trading centres

1,5% All in Fee

Complete asset management
Account management with LLB
Depot management with LLB
All securities transactions

10% Performance Fee

The performance fee of 10 % is only due if we reach a new performance peak in the respective year. If we fail to do so, a possible decline must be made up in the following year before this fee is charged.

from 100.000€

Minimum investment amount 100.000€

Why Liechtensteinische Landesbank?

Founded in 1861 with the Principality of Liechtenstein as main shareholder
Stable Swiss franc as legal currency
Banking centre without state aid outside the EU

Performance After Costs

How do we perform against our competition and a benchmark after deducting all costs?

The following chart shows the return of our Value 100 strategy after deduction of all costs (all-in fee + performance fee) compared to the offensive strategies of other providers on the German market:

12-months-performance of robo-advisors on the German market after deduction of costs: The blue bars represent the total costs already deducted (composed of service fees, product costs and performance fees). The offensive strategies of all providers were used for comparison. Data source: biallo.de. Performance date: July 31, 2021

Performance Fee

High Water Mark Principle

The High Water Mark ensures that we only charge a fee if we take your assets to a new high. You can find more information on this in our High Water Mark explanation video.

Performance After Costs

How do we perform against our competition and a benchmark after deducting all costs?

The following chart shows the return of our Value 100 strategy after deduction of all costs (all-in fee + performance fee) compared to the offensive strategies of other providers on the German market:

12-months-performance of robo-advisors on the German market after deduction of costs: The blue bars represent the total costs already deducted (composed of service fees, product costs and performance fees). The offensive strategies of all providers were used for comparison. Data source: biallo.de. Performance date: July 31, 2021

Performance Fee

High Water Mark Principle

The High Water Mark ensures that we only charge a fee if we take your assets to a new high. You can find more information on this in our High Water Mark explanation video.

What are the costs for Estably’s services?

The annual asset management fee is 1.2 % p. a. (Baader Bank) or 1.5 % (LLB) of the assets under management plus a performance-related fee of 10 % of the profits generated, based on the high water mark principle. The high water mark principle ensures that clients do not have to pay a performance-related fee for poor performance, but only when new highs are reached. The asset management fee includes all the costs of managing the client’s assets – including transaction costs and the costs of maintaining a custody account with the bank. The federal stamp duty (turnover tax) is also included. This is 0.075% on the purchase or sale of domestic securities (Swiss or Liechtenstein securities) and 0.15% on the purchase or sale of foreign securities. Furthermore, no product costs are incurred when investing in individual shares or individual bonds.

Does Estably receive refunds, commissions or other financial benefits from other companies?

No. Estably is an independent asset manager and receives no benefits from any company.

Is there a cancellation fee?

There is no cancellation fee, i.e. a cancellation is possible at any time without additional costs.

Where can I view the fees paid?

You will receive a cost statement from us once a year. This will show all the costs you have paid. You can also access the bank statements of the bank where the bookings are made via your post box.

Will I receive a tax certificate?

Clients liable to tax in Germany receive an annual tax certificate, all others receive a statement of income from Baader Bank for the previous calendar year. Customers of the Liechtensteiner Landesbank receive an annual statement of income.

Even more FAQ’s you will find here read FAQ.

Costs

Costs

Performance After Costs

Performance Fee

Performance After Costs

Performance Fee

Any Questions?

Contact form

E-Mail

info@estably.com

Phone

+423 220 29 70

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About Estably

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