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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

Like banks, asset managers are subject to statutory supervision and require a licence in order to be allowed to offer their services at all. In Liechtenstein, asset managers are supervised and continuously monitored by the Financial Market Authority Liechtenstein (FMA), the equivalent of the German Federal Financial Supervisory Authority (BaFin). Estably.com makes its value investing strategy available to clients with assets of EUR 20,000 or more and offers its clients a complete digital service and the associated convenience. Contracts are concluded and custody accounts opened completely digitally via smartphone, tablet or PC. The big difference to the existing robo-advisors on the market: Estably relies on the experience and expertise of the team instead of algorithms. Today’s algorithms and artificial intelligence applications are not yet fully developed and are therefore far inferior to investment specialists. Even in times of digitalisation, the core competence of an asset management company must be the successful investment of the assets entrusted to it by the client, and not a technical gimmick – which is what most robo-advisors actually are. Estably combines the expertise of an experienced and successful asset manager with the technical possibilities 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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