ETF savings plans
from €1

Start small, with low costs and broad diversification. You can now invest into over 2,500 ETFs - with the Scalable Broker.

There are risks associated with investing.

Asset ETF-Sparplan-LP Header
Asset Partner

€0

Order fees1

1 €

savings plan amount

2.500

ETFs available

The simple way to build long-term wealth

Stay flexible: If your own financial situation changes, simply adjust the savings plan amount in the Scalable Broker with just a few clicks.

Invest in entire markets with a single investment – in the Scalable Broker you start with a savings plan amount of just 1 euro.

Save at your own pace: Savings plans can be executed monthly, bi-monthly, quarterly, semi-annually or annually on nine different days (1st, 4th, 7th, 10th, 13th, 16th, 19th, 22nd and 25th of a month).

Inflation Protection: Set a dynamic adjustment rate as a percentage by which your savings plan amount will automatically increase each year.

1 PRIME Broker / PRIME+ Broker: €0 for trades of €250 or more, otherwise €0.99. FREE Broker: €0 for purchases of PRIME ETFs (all Invesco, iShares, Xtrackers ETFs) of €250 or more, otherwise €0.99. All brokerage models: €0 for savings plan executions. Crypto fees, product costs, spreads and/or inducements may apply. See table, cost transparency in the order flow and Client Documentation for details. There are risks associated with investing.

How does an ETF savings plan work?

With an ETF savings plan, wealth can be gradually built up with an individually determined amount. Savings plans can be set up in Scalable Broker from as little as 1 euro. The installments are collected regularly and always at a certain point in time and then automatically invested in ETFs. The price of the ETF is not important for savers, since when investing the installment, fractions of ETFs are also bought if necessary. ETF savings plans continue until they are deactivated or amended.

What are the important criteria when selecting an ETF?

Finding the best index funds and putting together a portfolio from them is not exactly easy with the more than 2,500 ETFs that exist in Europe. You should pay attention to these criteria when making your selection:

Asset Icon Costs

Costs: When analyzing the fees of an ETF, the total expense ratio (TER), the bid-ask spread and the total cost of ownership are important. It is also important to note whether there are any additional costs. And to what extent the ETF passes on additional income, for example from securities lending, to the investors.

Asset Icon Replication

Replication method: is the ETF replicated physically or synthetically? And what does that mean for security and performance?

Asset Icon Tracking-Error

Tracking Error: How exactly does the ETF manage to track the performance of the index? Is the tracking error consistent? Will it be affected by fee changes or by the tax characteristics?

Asset Icon Liquidity

Liquidity: How high is the trading volume and how easy is it to buy or sell shares of the ETF in stressful situations? Does the quoted ETF price deviate from the value of the underlying index components under certain circumstances?

Asset Icon Taxes

Tax considerations: What are the implications of an ETF reinvesting some of its earnings (partial accumulation) or distributing all of its earnings? Which issuing country leads to better treatment of foreign withholding taxes?

One-off investment or savings plan?

There is no right answer as to whether an ETF savings plan is superior to a one-time investment of a larger sum or vice versa. Both are good for different purposes. If you suddenly have a large amount of money at your disposal, in most cases it is better if you invest it in full instead of investing it in installments. A savings plan, on the other hand, is suitable for easily investing the money that you can put aside every month. Anyone who regularly invests a larger sum as a one-off investment and additionally via a savings plan takes advantage of the benefits of both investment options.

Popular Savings Plan ETFs

Invesco MSCI World UCITS
ETF

ISIN: IE00B60SX394
Total Expense (TER): 0.19% pa
Buy Now | Details

Invesco MSCI Emerging Markets UCITS ETF
ISIN: IE00B3DWVS88
Total Expense (TER): 0.19% pa
Buy Now | Details

iShares Core MSCI World UCITS ETF
ISIN: IE00B4L5Y983
Total Expense (TER): 0.20% pa
Buy nowDetails

iShares Core MSCI EM IMI UCITS ETF USD (Acc)
ISIN: IE00BKM4GZ66
Total Expense (TER): 0.18% pa
Buy Now | Details

Xtrackers MSCI World ESG UCITS ETF 1C
ISIN: IE00BZ02LR44
Total Expense (TER): 0.20% pa
Buy now | Details

Xtrackers MSCI Emerging Markets UCITS ETF 1C
ISIN: IE00BTJRMP35
Total Expense (TER): 0.18% pa
Buy now | Details

The perfect fit: Your goals and your broker

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Popular

FREE

PRIME

PRIME+

Costs

Product costs, spreads, crypto fees and/or inducements may apply.

€0.99 / trade1
Pay per trade

€2.99 / month1
Flat rate for all trades from €250 order volume

€4.99 / month1
Flat rate for all trades from €250 order volume

Savings plans

Included

Included

Included

Interest

4.0% p.a.
(4 months, thereafter 2.6% p.a.)

Portfolio analysis (Insights)

Restricted

Full version

Full version

Price alarms

3

Unlimited

Unlimited

Portfolio groups

1

Unlimited

Unlimited

Crypto (spread surcharge)

0.99%

0.69%

0.69%

1 PRIME Broker / PRIME+ Broker: €0 for trades of €250 or more, otherwise €0.99. FREE Broker: €0 for purchases of PRIME ETFs (all Invesco, iShares, Xtrackers ETFs) of €250 or more, otherwise €0.99. All brokerage models: €0 for savings plan executions. Crypto fees, product costs, spreads and/or inducements may apply.

For new clients: 4% p.a. interest (Baader Bank) on up to €1 million for 4 months. Thereafter 2.6% p.a. variable interest on up to €100,000. Interest only with PRIME+. Learn more.

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