Personal investment planning
persönliche Anlageberatung
Our own investment planners work with you one to one, for portfolios from €50.000.
Build wealth your way
ETF & Investment Planning in Germany
Geldanlage
Two ways to grow your money with NEOdirect: personal investment planning with our own advisers once your portfolio reaches €50.000, or low-cost self-service investing on the NEOdirect investment platform, with Vanguard portfolios and our own strategy to choose from.
Investing with NEOdirect
What we offer
Not everyone needs the same kind of investment help. Some people want a professional to plan and manage their portfolio with them, while others prefer to invest on their own terms and keep costs as low as possible. That is why NEOdirect offers both: our own investment planners for portfolios from €50.000, professional asset management (Vermögensverwaltung) for those who want their money managed for them, and a low-cost self-service platform where you set up and run ETF savings plans (Sparpläne) entirely online.
Whichever route you choose, the investments themselves follow clear, long-term strategies: broadly diversified Vanguard portfolios or our own NEOdirect strategy. And if your plans change, you can move between the routes as your portfolio grows.
Asset management
Vermögensverwaltung
Professional asset management for those who want their portfolio looked after for them.
NEOdirect investment platform
Online-Sparpläne
Create and manage ETF savings plans online yourself, at low cost with self-service.
Two ways to invest
Personal planning and the online platform compared
Both routes build long-term wealth with the same investment quality underneath. The difference is how much personal guidance you want, and what that means for the costs.
| Dimension | Personal planningFrom €50.000 | NEOdirect platformSelf-service |
|---|---|---|
| Who it suits | Investors with a portfolio of €50.000 or more who want a personal adviser and a plan built around their situation. | Anyone who wants to start investing in ETFs online, from small monthly savings plans upward. |
| How it works | Our own investment planners analyse your goals, build the portfolio with you and review it together over the years. Full asset management (Vermögensverwaltung) is also available. | You open your ETF savings plans on the NEOdirect investment platform and manage them online yourself, whenever it suits you. |
| Strategies | Vanguard portfolios, the NEOdirect strategy or an individual mix, tailored to your plan. | The same Vanguard portfolios and the NEOdirect strategy, ready to select online. |
| Costs | Advisory or management fees that reflect the personal service, agreed transparently up front. | Low costs, because you do the servicing yourself and the platform stays lean. |
| Support | A named adviser you can call, in English, with regular portfolio reviews. | Self-service online, with our team available if you get stuck or your needs grow. |
| Moving between routes | You can start on the platform and switch to personal planning once your portfolio reaches €50.000, or keep both side by side. | |
From a €50.000 portfolio
Personal investment planning and asset management
Once your portfolio reaches €50.000, our own investment planners take over the heavy lifting with you: a clear plan, a portfolio that fits it, and someone on your side as markets and life change.
Our own investment planners
You work with NEOdirect’s own planners rather than a call centre, so the person who builds your plan is the person you keep talking to.
A plan built around you
Your goals, your time horizon, your tax situation and your plans in Germany or abroad shape the portfolio, not a standard template.
Asset management available
If you prefer not to manage the portfolio yourself at all, we also offer professional asset management (Vermögensverwaltung), where the day-to-day decisions are handled for you within an agreed strategy.
Low cost, self-service
The NEOdirect investment platform
Prefer to invest on your own terms? On the NEOdirect investment platform you create your ETF savings plans (Sparpläne) online, adjust them whenever you like and watch your portfolio in one place. Because you service the account yourself, the costs stay low.
Online savings plans
Set up in minutes, adjust any time
- Create ETF savings plans online, from small monthly amounts upward
- Pause, raise or lower your savings rate whenever your situation changes
- Manage everything online, no paperwork and no appointments needed
Low costs
Self-service keeps fees lean
- Low running costs, because you handle the servicing yourself
- Clear, transparent pricing with no hidden charges
- Our team is still there if you need help or want to step up to personal planning
Ready to start? Open the NEOdirect investment platform and create your first savings plan online.
What your money goes into
Two investment strategies, one standard of quality
Whether you invest with an adviser or on the platform, you choose between two long-term approaches. Both are built on broad diversification and low product costs.
Strategy option
Vanguard portfolios
- Globally diversified portfolios from one of the world’s largest asset managers
- Low product costs that leave more of the return with you
- A proven, rules-based approach for long-term investors
Strategy option
The NEOdirect strategy
- Our own strategy, developed by the NEOdirect investment team
- Designed for the situations our clients actually face, including plans abroad
- Available online as a savings plan or within your personal planning
Investing involves risk. The value of your portfolio can go down as well as up, and past performance is not a guarantee of future results.
A fair comparison
What should you look at before you invest?
Whether you compare us with a bank, a robo-adviser or doing it all yourself, these are the points that decide what actually ends up in your pocket over the years.
| What to compare | Why it matters |
|---|---|
| Running costslaufende Kosten | Platform, custody and service fees are charged every year, so lower and clearer costs compound in your favour over decades. |
| Product costsFondskosten | The fees inside the ETFs and funds reduce your return directly, which is why we build on low-cost building blocks like Vanguard. |
| DiversificationStreuung | A broadly diversified portfolio spreads risk across regions and industries instead of betting on a handful of names. |
| FlexibilityFlexibilität | Being able to pause, raise or withdraw without penalties matters when your income or plans change. |
| Advice when you need itBeratung | Markets test your nerves. A named adviser who knows your plan helps you stay invested when it counts. |
| Service in EnglishService | Clear communication in English makes a real difference for decisions you will live with for decades. |
A worked example
Example customer
A simple illustration of how the two routes can work together, from the first online savings plan to personal planning.
31
Age
€400
Monthly ETF savings plan
€50.000
Portfolio when personal planning starts
-
Step 1
Starts online
A data analyst aged 31 opens a €400 monthly ETF savings plan on the NEOdirect investment platform, choosing a Vanguard portfolio.
-
Step 2
Grows at low cost
The plan runs in self-service, so fees stay low while contributions and market growth build the portfolio year by year.
-
Step 3
Crosses €50.000
Once the portfolio passes €50.000, one of our investment planners reviews it and builds a personal plan around new goals, including a property wish.
-
Step 4
Planned long term
The savings plan keeps running while the overall portfolio is reviewed together regularly, with asset management as an option later on.
Illustrative example only. Individual figures depend on your income, your savings rate, the chosen strategy and how the markets perform.
Good to know
Questions people ask us most
Plain-English answers to what comes up in almost every first conversation about investing.
No. The €50.000 threshold applies only to personal investment planning with our own advisers. On the NEOdirect investment platform you can start with a small monthly ETF savings plan and grow from there, entirely online and at low cost.
With investment planning, our planners build and review the portfolio with you, and you stay involved in the decisions. With asset management (Vermögensverwaltung), you hand the day-to-day decisions over to professionals, who manage the portfolio for you within an agreed strategy.
You choose between broadly diversified Vanguard portfolios and our own NEOdirect strategy, and set them up as ETF savings plans (Sparpläne) that invest automatically every month. You can also make one-off investments alongside the plan.
Because it is self-service. You open and manage your savings plans online yourself, so there is no advisory overhead built into the price, and the underlying ETFs are low-cost products. You pay for personal advice only if and when you actually want it.
Yes. You can raise, lower or pause your savings rate online whenever your situation changes, and your existing balance stays invested while contributions are paused.
Yes, that is exactly how many of our clients grow with us. You start with a self-service savings plan, and once your portfolio reaches €50.000 our investment planners can take over the planning with you, or you keep both routes side by side.
An ETF portfolio gives you full flexibility, while a private pension insurance wraps long-term investing in a contract with tax advantages at retirement and a lifetime income option. Many clients use both: flexible investing for medium-term goals and a pension contract for retirement. We help you find the right mix.
Your portfolio stays yours if you move abroad. There are tax and account questions to think through in both Germany and your new country, so it is worth planning the move with someone who understands both sides before you go.
We help you find the right way to invest
Tell us where you stand: how much you can put aside, what you are saving for and how long you plan to stay in Germany. We will show you whether the self-service platform, personal planning or a combination fits best, in English and without jargon. The costs of every route are laid out transparently before you decide.
Our Erstinformation sets out how we are paid and how we work.
Book a free callYour next step
Start building wealth that fits your plans
There is no single best way to invest. The right route depends on your goals, your portfolio size and how hands-on you want to be. Start a low-cost savings plan on the NEOdirect investment platform today, or talk to our investment planners about a portfolio from €50.000.
Find the right investment strategy for your future. Let’s keep it simple.
No German required. Tell us about your goals, your savings rate and how long you plan to stay in Germany, and we will find the investment route that fits you, in English.
NEOdirect · Financial planning for expats in Germany