Digital Wealth Management with real experts
Your investment in professional hands.
Digital Wealth Management with real experts
Benefit from a professionally managed portfolio of equities and bonds, aligned with your goals - with digital access via app and personal support whenever you need it.
- Active wealth management from €10,000
- Managed by DJE's experienced specialists
- Continuously adjusted to market movements
Your benefits of our digital wealth management
Experience
Over 50 years
Founded in 1974 by Dr Jens Ehrhardt and shaped by more than five decades of experience in the markets.
Assets under management
Over €18 billion
DJE manages more than €18 billion in total on behalf of private and institutional clients.
Company Meetings
500 meetings
Our analysts meet with around 500 companies every year, giving us first-hand knowledge of the businesses we invest in.
Your wealth. Always in view.
Flexible Access
View your portfolio via the app or on your computer, whenever you wish.
Manage several goals separately
Set up individual portfolios for your different goals - for building wealth or planning for retirement, for example.
Deposits and withdrawals at any time
Access your money whenever you need it - directly in the app.
Transparent overview
A clear overview of performance and transactions.
Personal support
Our experts are here for you.
Knowledge that makes the Difference
Every portfolio in our digital wealth management is backed by the combined expertise of the DJE research team. Our in-house analysts hold over 500 meetings with company executives each year, and our research team analyses global markets to identify opportunities early and manage risks with discipline.
This expertise goes straight into the composition of your portfolio.
Award-winning partner for your investments
We are proud to look back on a long and varied list of awards. Whether in wealth management or public funds, our work is recognised at regular intervals by industry publications and independent rating agencies.
Source: Elite Report
How to become a client
1. Find your strategy
Answer a few questions about your investment goals, your investment horizon and your risk tolerance. On that basis, you will find the investment strategy that suits you.
2. Open your portfolio online
Open your securities account with Baader Bank and conclude your digital wealth management agreement conveniently online. You verify your identity securely by video ident or at a post office branch.
3. Let us manage your wealth
Once your account is opened, we implement your chosen strategy and monitor your portfolio on an ongoing basis. With our app, you can keep track of your wealth at any time and make deposits and withdrawals in seconds.
Demo Portfolio: Try our digital wealth management with no obligation
The demo portfolio is a chance to get a feel for our digital wealth management and try us out with no commitment. Just click through the questionnaire and sign up.
Our investment strategies at a glance
Which strategy suits you depends on how much fluctuation in value you are prepared to accept in return for potential returns.
Five strategies are available, ranging from lower-volatility to opportunity-oriented. Within each one, we select the securities on your behalf and adjust your portfolio on an ongoing basis.
Our investment strategy at a glance
Up to 100% equities
Opportunity+
Full focus on equities. The highest long-term return potential, and at the same time the greatest fluctuations. Suited to a long investment horizon.
Up to 75% equities / 25% bonds
Opportunity
An equity focus complemented by bonds. For investors seeking higher return potential and willing to accept greater fluctuations.
Up to 50% equities / 50% bonds
Growth
A balanced mix of equities and bonds. The balance between return potential and manageable fluctuations.
Up to 25% equities / 75% bonds
Return
Predominantly bonds, complemented by a small equity component. Defensively positioned, with moderate return potential.
Up to 100% bonds
Interest
Exclusively fixed-income securities, with no equities. The lowest-volatility strategy, designed for investors who put stability first.
Costs of our digital wealth management
A single all-in fee covers every service - from portfolio management to rebalancing, reporting and deposits and withdrawals. That leaves you free to focus on what matters: your investment.
All-in Fee (p.a.)
from €10,000 – 1.035%*
from €100,000 € – 0.935%*
from €200,000 € – 0.835%*
from €500,000 € – 0.735%*
from €1,000,000 € – 0.635%**
If a new portfolio high is reached during the calendar year, a profit fee becomes payable on the increase in value (high-water-mark principle). All fees are quoted inclusive of any applicable VAT.
Interest investment strategy from 0.535%*
*plus a 10% profit fee
** plus a 5% profit fee
The all-in fee is made up of: wealth management fees and Baader Bank's flat transaction fee.
Digitally invested, personally supported
Klaus Pfaller
Head of Digital Wealth Management
Robert Gebert
Deputy Head & Partner Manager
Katharina Ludwig
Client Services
Luka Hoffmann
Client Services
Anja Reich
Client Services
Norbert Sering
Client Services
Your next steps
Invest now
Ready to get started? Our short online questionnaire identifies the investment strategy that suits you best - quickly, easily and with no obligation. You can then invest right away or first try out our demo portfolio for an insight into a portfolio of individual equities and bonds.
Invest now
Get in touch
Whether by phone, e-mail, video call or in person - we are always glad to help. You can reach us by telephone on weekdays from 9:00 to 19:00 or send us a message by e-mail.
Get in touch
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Subscribe to the newsletterFrequently Asked Questions About Our Digital Wealth Management
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More about our partner modelLegal notice
This is a marketing advertisement. Asset management with DJE Kapital AG generally requires a medium to long-term investment horizon. All investments involve certain risks. Investments that offer greater opportunities also entail greater risks. Past developments cannot be extrapolated into the future. International allocations give rise to currency risks. Investments can be subject to considerable fluctuations, which can also lead to the complete loss of the invested capital. If investment assets are sold, the proceeds from the sale may be lower than the original investment due to price fluctuations, among other things. Please speak to your contact person at DJE to analyze the characteristics of our individual asset management and carefully consider whether such an investment corresponds to your risk profile. This is for information purposes only and merely summarizes the key features. It does not constitute a recommendation, an offer, an invitation to invest, a prospectus or investment research. Investment categories, asset allocations and investment instruments are indicative only and may change at any time. The information and opinions contained herein have been obtained from sources we believe to be reliable. However, no guarantee can be given as to its accuracy. Subject to change without notice.