High-performance strategies in the safest financial centre in Europe
We offer your assets the chance of high long-term returns with maximum protection in the Principality of Liechtenstein.
Focus on performance
- Modern value investment strategy
- Individual securities instead of ETFs
Liechtenstein as a financial center
- 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
High-performance strategies for your assets
We offer your assets the chance of high long-term returns with maximum protection in the Principality of Liechtenstein.
Digital & uncomplicated
Long-term asset growth with hand-selected investments
With a combination of digital convenience and human investment expertise, our aim is to increase your assets over the long term. To achieve this, we invest in hand-picked shares of outstanding companies that are trading below their actual value on the stock market.
- Qualitative investments
Your assets are invested in stocks and bonds of high-quality companies.
- Liechtenstein financial Center
With a custody account in Liechtenstein, you benefit from the advantages of this sought-after financial center.
- Wide product range
Estably is suitable for investment by private individuals, and 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.
... Performance winner Estably was even able to beat all the other indices we analysed.
Awards
Real Money Performance Test Winners
Our goal is to achieve above-average returns in the long term. The results of the real-money performance tests, in which independent testers invest their own assets in the providers, show that we succeed in this.
biallo.de
Performance winner 2023
geldanlage-digital.de
Performance winner 12 months (02/2024)
brokervergleich.de
Performance winner 2023
brokervergleich.de
Best risk-return ratio 2023
Our portfolios
The right strategy for every type of investor
(also as a company or joint custody account)
The right strategy for every type of investor
(also as company or joint custody accounts)
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?
We offer a long-term high-yield solution for every type of investor.
Our “Modern Value” strategy is based on hand-picked individual stocks that are 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 securities 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 1.2% all-in fee + 10% performance fee
The “Best of Funds” strategy enables 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 stable currencies.
Minimum investment: from €50,000 (only with Liechtensteinische Landesbank)
Risk classes: 5
Investment approach: Focus on gold
Costs: 1.19% all-in fee
Asset Protect
This strategy focuses on the protection of your assets. To this end, we invest in gold, supplemented by stable currencies.
Best of Funds
The “Best of Funds” strategy allows you to invest in the funds of the most successful value and quality investors.
Value Green
With our “Value Green” strategy, you invest in carefully selected individual stocks that meet high sustainability standards.
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€
from 20.000€
from 20.000€
from 50.000€
Risk levels
Each strategy has
5 different, freely selectable risk classes:
- Conservative
- Defensive
- Balanced
- Dynamic
- Offensive
5 Variants
5 Variants
5 Variants
5 Variants
Investment approach
Concentrated, focus on a few companies
Concentrated, focus on a few companies with a high MSCI ESG rating
Broadly diversified, focus on funds with a value or quality approach
Focus on Gold
Costs
From 1.2% all-in fee,
10% performance fee
From 1.2% all-in fee,
10% performance fee
From 0.99% service fee
10% performance fee
~0.65% Product fee
1.19% All-In Fee
Special features
- Handpicked individual titles
- Concentrated portfolios
- Handpicked individual titles
- Concentrated portfolios
- ESG-conform
- A selection of successful funds
- Hand-Picked Individual Shares
- Broadly diversified portfolios
- Focus on gold
- Concentrated portfolios
Outstanding in 2023 (...) with a gain of over 35 per cent in the offensive investment module.
Principality of Liechtenstein
Security in Europe's most sought-after
financial location
With a custody account in Liechtenstein, you benefit from the numerous advantages that this sought-after financial center has to offer.
Thanks to a combination of direct democracy and constitutional hereditary monarchy, Liechtenstein enjoys an exceptionally solid social, legal, and economic order. This leads to a high level of security within the country and offers capital investors from all over the world optimal framework conditions.
- High equity ratios
Thanks to high equity ratios, no Liechtenstein bank had to call on support from the state during the financial crisis.
- EEA advantages without EU membership
Liechtenstein can utilize the advantages of the EU without having to bear the Liability disadvantages of the ESM.
- Security thanks to strong regulation
The Liechtenstein Financial Market Authority ensures a high level of client protection.
- Economic area with Switzerland
The stable Swiss franc is also the official currency in Liechtenstein.
- AAA rating without sovereign debt
Liechtenstein is the only debt-free triple-A state in the world.
- Stable framework conditions
Through the combination of direct democracy and constitutional hereditary monarchy.
Performance
Performance of the portfolios
Since the beginning of the year
Since inception
Performance before costs and taxes. Data source: Privé Managers. Status: 29.02.2024
Performance
Performance of the 2023 portfolios
Performance before costs and taxes.
Data source: Privé Managers. Stand: 29.02.2024
Modern Value Investing
In search of undervalued, high-quality
companies
The Value Investing Principle:
"The price is what you pay. The value is what you get.
(Warren Buffett, Value Investor)
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. This is how we increase your long-term return opportunities and reduce the risk.
Low price, high value
To give you the chance of high returns in the long term, we invest exclusively in undervalued companies.
Individual shares as inflation protection
Due to their leading market positions, many of our companies are able 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.
Excellent service
Andreas
Class Performance + super Service
I had Estably on my radar for a while (from the real money tests) and wanted to wait a little longer, but maybe I should have invested a little earlier, because the performance is simply great!
And as has already been written here, the service is really great, the advisors take enough time for you.
Tamara B.
Friendly customer service
I feel that I am in good hands with Estaby. The search for a partner to manage my assets required a lot of comparative work. The personal contact was always friendly and appreciative, which you don’t find everywhere. I am satisfied.
Please keep up the good work!
Klaus
Absolutely recommendable!
Everything is explained very clearly on the website. I had a brief consultation with an advisor before signing the contract, just to make sure I had understood everything correctly.
Great combination of digital and “in person”. Absolutely recommendable!
Estably achieved the Highest return of all robo-advisors and beat both benchmarks .
FAQs
Frequently asked questions
While traditional robo-advisors usually invest passively in ETFs, we endeavour to achieve above-average returns by carefully selecting individual shares. We are the only provider to rely on a modern form of value investing strategy, which investment legend Warren Buffett, among others, swears by.
As the only robo-advisor in the Principality of Liechtenstein, you also benefit from the excellent framework conditions of one of the most sought-after financial Centers in the world.
Depending on your investment strategy, we invest your assets in the following asset classes:
Modern Value: individual equities and bond funds
Value Green: Sustainable individual equities and bond ETFs
Best of Funds: Equity and bond funds and a few individual equities
Asset Protect: Physical gold and foreign currencies
Our clients’ funds are held in safekeeping by our custodian banks (Baader Bank or Liechtensteinische Landesbank). Both banks are affiliated to deposit protection schemes, 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. In the event of insolvency, you can simply have them transferred to another bank of your choice. Your account balance is protected in the event of insolvency up to an amount of EUR 100,000 or CHF 100,000.
No. You can close your custody account at any time. We will sell the securities in your custody account as soon as possible and your money will be credited to your reference account.
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
Tax-optimised retirement provision with Estably and prosperity starts at €50 per month.
Start your high-performance digital investment
With Estably, you invest in high-quality investments to achieve high returns in the long term – and it’s completely uncomplicated.
- Your advantages with Estably
- Long-term performance-orientated investments
- Maximum security in the Liechtenstein financial centre
- Your own consultant at your side
- Uncomplicated securities account opening
- and much more!
Estably Whitepaper
What sets Estably apart from other robo-advisors
Our white paper summarizes in just a few pages what sets Estably apart from its competitors.
- Find out:
- how Estably compares in terms of performance,
- the principles on which our investment strategy is based,
- what makes Liechtenstein so desirable as a financial centre,
- and even more!
