"All-In" Cost Model

Our costs are all-in: This means that all fees (for account and custody account management, securities transactions and asset management fees) are included. Only in our “Best of Funds” strategy are product costs for the funds used added. If we reach a new performance peak within one year, a performance fee of 10% is added. Choose Baader Bank, based in Germany, or Liechtensteinische Landesbank (LLB), with the unique advantages of Liechtenstein as a financial center, as your custodian bank. In the case of a private pension plan with Estably, your custody account will be opened at St. Galler Kantonalbank in Switzerland.

Fees

Modern Value

Baader Bank
LLB

Value Green

Baader Bank
LLB

Best of Funds

Baader Bank
LLB

All-In Fee
Service Fee
Product Costs
Custody fees
Transaction Fees
Performance Fee

1,2% p.a.




10%

1,5% p.a.




10%

1,2% p.a.




10%

1,5% p.a.




10%


1,2% p.a.
0,7-0,8% p.a.


10%


1,5% p.a.
0,7-0,8% p.a.


10%

Modern Value

Baader
LLB
All-In Fee Service Fee Product Costs Custody fees Trans. fees Perf. fee
1,2% p.a. – – – – 10%
1,5% p.a. – – – – 10%

Value Green

Baader
LLB
All-In Fee Service Fee Product Costs Custody fees Trans. fees Perf. fee
1,2% p.a. – – – – 10%
1,5% p.a. – – – – 10%

Best of Funds

Baader
LLB
All-In Fee Service Fee Product Costs Custody fees Trans. fees Perf. fee
– 1,2% p.a. 0,8% p.a. – – 10%
– 1,5% p.a. 0,8% p.a. – – 10%

About Baader Bank

German Baader Bank has a state-of-the-art technological infrastructure and is one of the leading investment banks in Germany.

Deposit Protection:

Up to €100,000

Minimum investment amount: 

20.000 €

LLB Logo

About the Liechtensteinische Landesbank

Founded in 1861, LLB shines with an above-average equity ratio and has the Principality of Liechtenstein as its major shareholder.

Deposit insurance:

Up to CHF 100,000

Minimum investment amount:

50,000 €

st galler kantonalbank
St Galler Kantonalbank

About St. Galler Kantonalbank

The regionally rooted universal bank has been advising and serving private and business customers on all aspects of money for over 150 years.

Deposit insurance:

Up to CHF 100,000

Minimum investment amount:

50 € per month through the Estably pension plan

You do not have the minimum investment amount?  Thanks to our cooperation with Liechtenstein Life Assurance AG, you can save our portfolios for your private retirement provision from as little as €50 per month!

Bottom line: more performance.

How do we perform 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)

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.
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