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Smart wealth management at the highest level
The financial markets are constantly evolving and changing. Especially in recent years, the volatility of the financial markets has increased dramatically. For laymen, it therefore seems impossible to manage one’s own assets in the complex structures of the financial markets. Professional management helps to maintain an overview and invest the money profitably.
Thanks to our independence, you can be sure that you will always receive objective support. For us, goal-oriented and independent financial advice means an intensive dialogue between investor and asset creator as the basis for a successful investment and long-term cooperation.
Especially in uncertain, turbulent times with a volatile stock market, a broad diversification of different asset classes is the best basis for a stable performance of your assets. That’s why we focus on asset growth and asset protection in orderto significantly reduce possible losses in the event of stock market collapses.
The final investment strategy is developed according to your personal risk requirements, your life situation and your goals. We manage your asset portfolio actively, intelligently and personally.
Daniel Charles Bossenz
Managing Director of Smarter Finance 24 GmbH
Our Investment Philosophy
Diversification
Maximum risk diversification through global multi-asset allocation from illiquid investments, such as real estate and real assets, to liquid investments such as funds, ETFs, precious metals or bonds.
Transparency
You will receive personal online access via modern software solutions. Regular reports and direct access to your portfolios give you maximum control and full transparency.
Sustainable
Sustainabilitycriteria are playing an increasingly important role in our market analyses. They complement the cornerstones of our investment consisting of sound analysis and consistent risk management.
Low cost
We pay attention to low service and management costs through the addition of exchange-traded funds (ETFs) and strategic partnerships with alternative investment products. In this way, their financial capital is preserved.
Safety
We always design our portfolios with a hedging strategy. This serves primarily as a precaution against crises and extreme market fluctuations. If our experts give the green light, we trigger the security strategy partially or completely.
Service
You will receive personal and independent financial advice as well as regular adjustment and long-term support of your wealth concept. If you have any questions, our experts are always at your side.
Holistic asset management
Low interest rates and rising inflation are the new normal. Tried-and-tested forms of savings are hardly worthwhile anymore, capital markets are volatile and real estate remains expensive. Traditional investment approaches of banks, savings banks and asset managers often result in subjective management strategies with increased costs. In addition, there is a product landscape that is confusing for laymen. The environment for personal wealth accumulation is more challenging than ever.
Your personal values and goals determine the common thread through your life. Your investment must also fit in with this: with a sensible investment and an investment strategy that you can understand. To do this, place your assets in good and trustworthy hands who manage them prudently and responsibly. We stand for professional and independent financial advice.
Investment Advice
We offer professional investment and wealth advice and are always at your side. You retain full control over your assets and determine the direction. We have extensive know-how and keep track of everything even in turbulent market phases.
Estates
In wealth planning, we look at the status quo of your entire assets in addition to your stock portfolio or your real estate holdings. To this end, we examine different solution scenarios to achieve your wealth and life goals.
Asset protection
With our hedging strategies and hedging concepts, we protect your assets from short- and medium-term market fluctuations, government intervention or unforeseeable risks.
Tax reduction
We support private individuals, entrepreneurs and companies in investing their assets in the most tax-optimized and access-secure way possible. Together with our tax experts, we design tax-optimized asset concepts.
Bank-independent, highly secure custody of precious metals
The only thing that is certain today is uncertainty! We live in a time when investors hardly receive any interest on their savings at the bank. Government bonds have also lost security and yields, inflation is eating away monetary values and insidiously destroying them. This is a time when life and pension insurance policies that were believed to be secure are no longer generating their promised returns, the guaranteed interest rate is approaching zero and, for many investment products and investments, the risks far outweigh the rewards.
As an independent wealth creator, we work with secure, tax-optimized investment solutions. In this context, we cooperate with a special commodity depot in Switzerland and mainly store our clients' gold and silver investments here.
Gold has always been stable in value and will remain so in the future. People have always been willing to pay a high price for the shiny precious metal. In contrast to today's unbacked fiat currencies, gold and other precious metals are still excellently suited as tangible assets for real wealth preservation.
Watch the video to learn more about our partner SOLIT:
Our promise:
- Safe and convenient direct purchase of your physical precious metals (gold, silver, platinum, as well as diamonds)
- Segregated and bank-independent individual custody of your precious metals at international locations
- VAT-free purchase of silver, platinum and palladium when stored in Switzerland
We combine the best of different asset classes for you
All investments have their advantages and disadvantages or carry certain risks. However, different assets react differently to the circumstances. We can't look into the future either, but based on data from the past, we know what can still work in a worst-case scenario.
- Alle
- Technology
Künstliche Intelligenz
Robotik
Nachhaltige Landwirtschaft
Immobilien
Windkraft
Weltraumtechnologie
Gold
E-Mobilität
Medizintechnik
Lithium
Industrierohstoffe
Wasser
Agrarsystemtechnik
Gebrauchs- und Verbrauchsgüter
Silber
REIT Fonds
Gewerbeimmobilien
Fossile Energie
Lebensmittel
Gesundheitswesen
Solar
Gaming
Getränke
Emerging Markets
Luxusimmobilien
China
Computer Chips
Blockchain
Künstliche Intelligenz
Diamanten
Digitales Immobilien-Investment
Industry 4.0
Cybersecurity
Lieferketten
Biotechnology
Investment advice at the highest level
With our multi-asset strategies, we combine different assets to achieve maximum security with an above-average return on investment. A balanced mix of stocks, bonds, precious metals, real estate, real assets, alternative investments, and cash is a formula that will help you achieve your goals in good times and limit loss in bad times.
At the end of the process, there is a dialogue between the investor and investment experts in order to design an investment portfolio that corresponds to your ideas, values and goals.
An excerpt from our sample depots
Dynamically sustainable portfolio
Broad diversification in environmentally-friendly, sustainable and social investmentonds / ETFs. In consultation with our customers, ecological, social and ethical criteria can be precisely defined.
- 70% Sustainable Funds / ETFs
- 10% Real Estate
- 5% Real Assets
- 15% admixture
Stable crisis portfolio
In this portfolio, we rely on gold, silver, and palladium to survive stormy times unscathed. Short ETFs, ETFs of gold miners can be mixed in depending on the situation on the markets.
- 15% Physical Precious Metals
- 15% Real Estate
- 10% Other tangible assets
- 60% admixture of conservative funds / ETFs
Innovative portfolio for the future
This portfolio is suitable for long-term investors and focuses on technology and megatrends. With the help of special funds / ETFs, we invest primarily in robotics, big data and artificial intelligence.
- 25% Innovative Funds / ETFs
- 10% Global Equity Funds
- 5% shareholdings
- 60% admixture of alternative investments
Graphics designed by katemangostar
Independent financial advice
million euros of assets under management
Satisfied customers
%
Sustainable, if you wish.
Various investment opportunities
General questions about Smarter Finance
We work independently to ensure that you always receive objective advice. Our investment recommendations as your wealth creator are based exclusively on the performance of your capital. For example, you have the option of adapting your securities account to changing life circumstances at any time in a cost-neutral manner.
We are happy to support you with intelligent investment management that will help you increase your returns while minimizing your risk.
What does Smarter Finance stand for?
The name of Smarter Finance stands for the combination of a digital, modern approach with an intelligent forward-looking investment strategy.
What investment amount do I need to bring with me as a client?
The minimum investment amount should be around 100,000 euros so that we can achieve maximum diversification of your portfolio. The capital does not have to be made available immediately. As a rule, we work with a savings phase of 8 to 16 months, depending on the market situation. This means that your entire capital is not fully invested until the savings phase has been completed.
How can I track the performance of my portfolio?
Every customer receives personal access to their securities accounts via our investment portals (often including a mobile app). This allows you to track the performance and composition of your portfolio at any time and from anywhere in the world – conveniently via computer, tablet or smartphone. In addition, you will receive comprehensive, written reporting on the respective reporting period once a quarter. Tax certificates are automatically issued by the respective provider.
Why don't we offer a selection of individual stocks?
We look ahead to exciting times. The world is changing and the short- to medium-term outlook is difficult to assess. This is precisely why we recommend maximum diversification of investments. We mainly recommend equity funds or ETFs with a broad diversification that individual stocks cannot offer.
Do I have direct access and influence over my investments?
As part of our professional investment advice, we always strive to be in dialogue with our clients. Your desired financial goals and wishes as well as your flexibility are our top priority. You always have full control over all products. The securities accounts are in your name and you can carry out all actions on your own if you wish. As consultants, we are always at your side and have visual access to all managed securities accounts to ensure holistic support.
How do I put together my system?
The investment universe depends on the type of product you choose. In fund-linked asset management, we invest your capital mainly in ETFs and actively managed funds. For further diversification, precious metal deposits, real estate investments or alternative investment products can be used, if you want them as an admixture.
How can I adjust my investment amount?
You have full control over your deposits. Increases in the investment amount, as well as reductions up to the minimum investment amount, are possible at any time. It is recommended to have a short conversation with one of our advisors before any adjustment of the investment amounts. However, you also have the option of reducing, suspending or increasing savings plans independently via the respective online portal.
State-of-the-art solutions for our customers
Digital Wealth Management
Our software solutions allow you to manage all your assets in one place. Dashboards and charts give you a clear representation of your assets.
Personal and independent financial advice from our experts is always just a click away – whether by phone, video call or in person.
Mobile solutions for full control
Whether it’s prices or news about real estate, ETFs, precious metals and stock markets. With our apps, you will have a central view of everything in the future – not only within your own four walls, but even at any time thanks to apps.
Safety
The security of your data is important to us. For your security, data-sensitive areas such as the dashboard are additionally protected against unauthorized access by means of a fingerprint or PIN code.
Digital advice everywhere!
You can take advantage of our digital consulting services from all over Germany, e.g. Berlin, Leipzig, Munich, Cologne or Stuttgart. We also advise international clients, institutions or expats in Germany.
It doesn’t cost anything to ask! So ask us for a free initial consultation. Convince yourself of our reviews and make up your own mind.
We think differently. We advise differently.
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Smarter Finance 24 GmbH
Josef-Orlopp-Straße 46
10365 Berlin
Germany
0800 267 73 69
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