Individualised Altersvorsorgedepots
Portfolios that adapt to each customer and to the market: a personal lifecycle model per account, lifecycling per customer rather than per cohort.
Products
White-label products for every stage of life
Products for three stages of life on one platform, built white-label, operated under regulation, distributed under the partner's brand.
3
Stages of life
BaFin
regulated asset management
DE / EN
customer-readable copy
White-label
under your brand
Benefits
Individual per customer, quick to market, cost-efficient to run.
Fast product launch
Go-live in 4–8 weeks, then adapted continuously to customer preferences and feedback: investment concept, cost model, target market and documents are configured per partner.
Cost efficiency
In set-up and in operation, because every product family runs on the same platform, and for customers: fund costs from 0.05%.
Innovative, flexible products
Open architecture with no lock-in to individual asset managers: ETFs and actively managed funds in one portfolio, with a private-markets allocation already being built.
AI-native investment backend
Xaver AMOS, our AI-native Asset Management Operating System, carries agentic use cases internally and externally: prepared for customer agents that query account and product data, and the AI adviser advises on the same data.
See the AI adviser →
The product world
Three stages of life, one product range
Childhood & first steps
01For children and career starters.
Working life
02The years of building up, subsidised and unsubsidised.
Retirement
03What comes after maturity: reinvestment, drawdown, inheritance and gifting.
On requestInternational productsThe same platform beyond Germany, built multilingual, multi-jurisdictional and multi-currency, with AI advice in more than 50 languages. Details on request.
How we invest
One investment process beneath every family
Instrument selectionLow-cost ETFs and funds from large international asset managers, selected for cost, liquidity and tracking quality.
Portfolio constructionDiversified multi-asset portfolios built on an institutional allocation framework for long-term pension goals.
Risk managementContinuous monitoring of market, concentration and liquidity risk, with clear governance and escalation paths.
Lifecycle managementGlide paths with de-risking caps before payout, risk steps down automatically as the goal approaches.
The infrastructure is built open: no lock-in to individual asset managers. Which building blocks go into a portfolio is decided by the investment concept. The customer all-in additionally includes partner and adviser remuneration and is disclosed during the commercial conversation.
Building blocks
Open architecture from 0.05% TER
Complete AVD portfolios
from 0.09% TER, incl. active ETFs
Walk through your use case with us.
- We show you the modules that matter for your case
- With Max Bachem, founder & CEO
- No obligation, no preparation needed
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