Digital investment in the safest financial center in Europe
We invest your assets in a return-oriented manner and offer maximum protection in the Liechtenstein financial center.
- Modernes Value Investing
- Ideal framework conditions in the Principality of Liechtenstein
- Personal advisor at your side
Modern value investing according to Warren Buffett
High-performance investing with high-quality individual shares
In the Modern Value strategy, we invest your assets in hand-picked companies that are trading below their value on the stock market.
Hand-picked individual shares
Your assets are invested in shares of outstanding companies.
Diversification through bonds
A bond component in your portfolio ensures diversification and risk spreading.
Transparent fees
In addition to our management fee of 1.19 % p.a., there are bank charges of 0.30 % p.a. and a performance-related fee of 10 %.
+9.41 % p.a. since 2016
Our Modern Value 100 portfolio has achieved an average annual return of 9.41% (before costs and taxes) since 2016
Moderne Value Investing
We rely on the same strategy that makes Warren Buffett, among others, so successful.
Individual Portfolios
You determine the growth opportunities for your assets.
Awards
Real Money Performance Test Winners
In the real money performance tests, independent testers invest their own money in the providers in order to present a comparison of returns after costs.
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 shares? Or would you prefer to invest in the funds of star investors?
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 variants
Investment approach: Focus on 25-35 high-quality companies
Costs: max. 1.19 % management fee, 0.30 % bank charges and 10 % performance fee on profits
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 variants
Investment approach: Broadly diversified, focus on funds with a value or quality approach
Costs: max. 1.19 % management fee, 0.30 % bank charges, 0.5 % – 0.8 % product costs and 10 % performance fee on profits
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 variants
Investment approach: focus on gold
Costs: max. 1.19 % administration fee and 0.30 % bank charges
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
Risk levels
Each strategy has
5 different, freely selectable risk classes:
- Conservative
- Defensive
- Balanced
- Dynamic
- Offensive
5 Variants
5 Variants
5 Variants
Investment approach
Focus on 25-35 high-quality companies
Focus on 25-35 high-quality companies with a high MSCI ESG rating
Focus on funds with a value or quality approach
Costs (more)
max. 1.19 % administration fee
0.30 % bank charges
10 % performance fee
max. 1.19 % administration fee
0.30 % bank charges
10 % performance fee
max. 1.19 % administration fee
0.30 % bank charges
10 % performance fee
0.5 % – 0.8 % Product costs
Special features
- Hand-picked individual titles
- Modern Value Investing
- Performance-oriented
- Hand-picked individual titles
- Modern Value Investing
- ESG-conform
- Selection of successful funds
- Broadly diversified
Asset Protect
This strategy focuses on protecting your assets. To this end, we invest in gold, supplemented by stable currencies.
Best of Funds
The “Best of Funds” strategy enables 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 securities that meet high sustainability standards.
Modern Value
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€
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
Principality of Liechtenstein
Security at the most sought-after
financial centre in Europe
Liechtenstein’s unique circumstances ensure an exceptionally stable financial system, which has a positive effect on the security of your custody account.
This makes Liechtenstein unique:
Thanks to exceptionally high equity ratios, Liechtenstein’s banks did not even have to call on state support during the 2008 financial crisis.
Liechtenstein is the only debt-free triple-A state in the world.
Liechtenstein is no longer the tax haven of years gone by. The Liechtenstein Financial Market Authority makes sure of that.
The stable Swiss franc is also the official currency in Liechtenstein.
Liechtenstein can utilise the advantages of the EU without having to bear the liability disadvantages of the ESM.
Note: A custody account in Liechtenstein involves virtually no additional work for you. We will send you your annual tax report free of charge so that you or your tax advisor can view all the income from your custody account.
Alternatively, we can also manage your custody account at the German Baader Bank. If your main place of residence is in Germany, your taxes will be paid automatically.
If you have any questions, please do not hesitate to contact us.
Performance
Performance of the portfolios
Since the beginning of the year
Since inception
Performance before costs and taxes. Status: 31.12.2024
Performance
Performance of the 2024 portfolios
Performance before costs and taxes.
Status: 31.12.2024
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."
- 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. 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.
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 centres in the world.
Find out more about how Estably differs from other providers in our whitepaper.
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
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
- Stable framework conditions in the Liechtenstein financial centre
- Your own consultant at your side
- Individual strategies
- 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!