Once you have joined Werthstein, we will ask you to assess how much investment risk you are comfortable bearing. You can choose from five risk categories that we use as guidelines to build your portfolio.
The amount you want to invest is at first allocated in a “base portfolio” according to your chosen risk level. This base portfolio distributes the investment in a range of global stocks and bonds that are adapted to current market conditions by the Werthstein portfolio-management team – without any effort required on your part.
As soon as your account is opened and your assets are available in the base portfolio, you can explore, analyse and invest in so-called Zeitgeists, tailoring your portfolio to your personal interests and needs. Zeitgeists are current economic, technological or social trends that we consider to be attractive investment opportunities. See ”How are Zeitgeists created?”.
The selection of Zeitgeist-investments is a unique way to create a portfolio according to your expectations while keeping the associated risk diversified. It eliminates the need from your part to go through the process of analysing dozens or even hundreds of financial products and deciding which ones to buy. Werthstein’s portfolio management carries this tedious detail-work out for you. Our technology ensures that, when adding a Zeitgeist to your portfolio, you still remain at the risk level you are comfortable with.
We give the professionals of the Werthstein Institute a stage to explain the most important market developments in short videos on werthstein.com. We also have detailed stories on Zeitgeist investments, if you want to know more. If you need even more detail, subscribers can dive deep into a Zeitgeist and review the financial instruments it contains and how we selected these.
To ensure that you are not left alone with your investment decisions, we monitor your assets and inform you when – in our view – it could make sense to sell certain Zeitgeists and add others to your portfolio. We publish the personal opinions of our independent Werthstein Institute experts on the markets and our Zeitgeists in short videos in the news section of werthstein.com.
You can always explore new Zeitgeists and track and manage your investments on your smartphone or computer.
You can invest with Werthstein for a flat fee of 0.85% per year for investment amounts up to 100,000€.
For amounts above 100,000€, the fee is only 0.35% per year.
This covers our investment management fee as well as account fees, custody fees, and transaction fees charged by our partner bank.
This way you benefit from institutional level pricing offered by Baader Bank AG for our clients under normal usage conditions.
The minimum investment value at Werthstein is 20,000 €.
Werthstein is unique in three key aspects:
A Werthstein Zeitgeist describes an economic, technological or social trend that offers an attractive investment opportunity in the capital markets.
Zeitgeist investments are a simple way to participate in these investment trends with limited effort. Werthstein’s Zeitgeists are not only descriptions of growth trends; they also contain an optimal set of financial instruments that you can invest in to profit from this trend. Typically, our Zeitgeists are constructed using a selection of ETFs or individual stocks, carefully selected by our portfolio management team.
You can find our current Werthstein Zeitgeists here.
To be considered a Zeitgeist, an economic, technological or social trend must meet certain criteria.
First, we look for evidence that the trend can deliver sustainable above-average performance. Once evidence has been found, our portfolio managers explore the trend to find the right financial instruments and products:
All Werthstein Zeitgeists are carefully reevaluated monthly. In the case of considerable deviations, we reconsider the weights of the single instruments to rebalance the portfolio – without you having to take care of it personally. We also decide whether the Zeitgeist develops according to our expectations, and decide when it is best to sell a Zeitgeist or switch it into another one. One example is to cash in on a trend that has performed well. It is also possible that a trend has not developed as expected – we also inform you in this case to protect you from further losses.
The Werthstein Institute is a group of experts that are completely independent of Werthstein and Werthstein’s portfolio management. Its objective is to provide a platform where a range of diverse expert opinions can be presented. It is meant to support our clients in making reasonable investment decisions.
The members of the Werthstein Institute are noted experts with decade-long experience in investment management and capital markets. They are independent and express their personal opinions in their contributions. You can find an overview of the current Werthstein Institute members here.
The Werthstein Index is a lively representation of the Werthstein Institute’s market opinion. It expresses the individual voting members’ expectations for the development of global stock markets over a time horizon of up to three months, as the average of their votes on a scale from 1 (extremely negative) to 10 (extremely positive).
Challenging our experts to reduce the wealth of available complex information into one single number every month is our way to provide orientation, particularly to viewers who do not follow the capital markets every day.
A summary of the expert discussion and the value of the Werthstein Index can be found every month in the form of a video in our news section.
Security concerns both the safekeeping of your assets and the privacy of you data.
At Werthstein, the safekeeping of your assets is quite traditional: you open your personal custody account at Baader Bank AG, where your assets are protected by the German government’s and additionally the German Banking Association’s deposit protection schemes. The securities in your custody account are kept completely separate and safe.
What’s more, Baader Bank AG does not accept money transfers from your Baader Bank account to any other bank account except the reference account you give to us during account opening.
Your data is securely stored in the worldwide Azure data centers owned and operated by Microsoft Inc., deploying the highest technical safety standards.
You can find more detailed information on our dedicated Security page.