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How you make sure YOU win in the investment – not the bank

December 20, 2018 | Digital Asset Management

Wealthy clients often believe banks to be the best contact for their investments. Every investor should have become aware that this is not the case since the onset of the financial crisis. Because the aim of banking advice is to earn as much money as possible from customers.

As a result of increasing legislative regulation and the involvement of innovative, new competitors from the Fintech sector, the margins for the bank are becoming smaller and smaller. As a result, individual bank advisors are made responsible for generating as much income as possible for the bank – with and through their customers. For this reason, investors are often recommended expensive bank products.

No hidden fees and commissions

The alternative to the bank is an independent asset manager or a family office. The bank plays the role of the processor. The funds are only held by the bank without the bank being able to sell a consulting service or use it for its own purposes. Since the asset manager acts jointly with the bank on behalf of all clients, he has the relevant negotiating power to significantly reduce fees. This in turn benefits all clients. Independent asset managers are not tied to product providers, insurance companies or banks. They are legally obliged to act solely in the interests of their clients. Hidden fees or commissions are eliminated comprehensively. An asset manager charges his clients a transparent administration fee, which is usually based on the assets to be managed.

Licensed and independent

Asset managers, like banks, are subject to legal supervision and require a license in order to offer their services at all. In Liechtenstein, asset managers are supervised and continuously monitored by the Liechtenstein Financial Market Authority (FMA), the counterpart to the German Federal Financial Supervisory Authority (BaFin).

With, Früh & Partner makes its value investing strategies accessible to clients with assets under EUR 500,000. offers its clients a complete digital service and the associated convenience. The conclusion of the contract and the opening of the custody account take place completely digitally via smartphone, tablet, or PC. The big difference to existing Robo-Advisor on the market: relies on the experience and competence of its team instead of on algorithms. Today’s algorithms and artificial intelligence applications are not yet fully developed and are therefore far inferior to investment specialists. The core competence of asset management, even in times of digitalization, must be the successful investment of the assets entrusted by the client, and not a technical gimmick – which is what most Robo Advisors actually are. combines the expertise of experienced and successful asset managers with the technical capabilities of the 21st century.

Estably is the first Liechtenstein-based digital asset management firm to offer world-class asset management through a blend of technology and human investment expertise. Thanks to the portfolio managers’ many years of experience in the field of value investing, the aim is to achieve above-average returns – starting at an investment sum of € 20,000. The aim is to make professional asset management, which was previously possible exclusively for major investors, accessible to everyone – in a convenient, transparent and profitable way.

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