Private investors without independent guidance perform on average 3–5% per year worse than the market — not because of a lack of knowledge, but because of emotional misjudgments.
€40,000
Difference over 10 years
with a €100,000 deposit
— The structural problem
Why most investors lose on their own.
Do your own research
Hours of general knowledge. No assessment of one's own situation. Contradictory opinions.
Bank advisor
Verdient an Produktverkäufen. Empfiehlt was Marge bringt, nicht was passt.
Commission advisor
Erscheint unabhängig — ist es nicht. Versteckte Interessenkonflikte durch Abschlussprovisionen.
Total value of all services
Market value
€5,000-10,000
per year
Their price
€1,548
€129 x 12 months
01
Three 45-minute sessions per month
Portfolio review, verification of bank advisor recommendations, market assessment, structural issues. No agenda but yours.
Market value
€3,240-€6,840
Pro Jahr
02
Direkte Erreichbarkeit — ohne Uhr, ohne Assistent
No ticketing system. No filtering assistant. No clock ticking when you have a quick question. Direct email and phone contact.
Market value
Not for sale
im Markt
03
Individuelle Analysen, Whitepapers & Research-Memoranda
ETFs analyzed, asset classes evaluated, portfolio structures compared — on request, without extra charge.
Market value
€500-2,000
Per analysis
04
Depot-Sparring & unabhängige Produktkritik
Your bank advisor recommends something new — show it to us. We analyze every product objectively, without regard to commission or margin.
Market value
Not available
in the market
— What you get
The complete power stack.
— Frequently Asked Questions
The three reasons why people hesitate and why no one can stand their ground.
"I do it myself, I watch YouTube and read financial blogs."
YouTube won't tell you if your specific portfolio structure is correct. YouTube doesn't explain ETF overlaps in your particular portfolio. The difference is: someone is speaking for your situation—not for everyone.
"My bank advisor is actually sufficient."
Ihr Bankberater ist möglicherweise kompetent und freundlich — das ändert nichts an der Struktur. Er verdient Geld, wenn er Ihnen Produkte verkauft. Der Vermögens-Copilot verdient ausschließlich durch Ihren Monatsbeitrag. Das ändert jede einzelne Empfehlung.
"129 € is a lot for me."
Ein einziger vermiedener Fehler — eine falsch empfohlene Beteiligung, ein zu teurer Fonds über 10 Jahre — kostet im Schnitt das Fünf- bis Zehnfache. Die Frage ist nicht ob 129 € viel sind. Die Frage ist ob es teurer ist, ohne uns zu sein.