01 · the strongest lever
Compound interest
Your returns generate returns of their own. The real lever is time: the earlier you start, the stronger it works.
Wealth building · Investment funds
Let your money work for you.
Gold secures your value. For real growth over the years, the second building block comes in: broadly diversified investment funds. Automatically, from just 25 € a month, with a clear strategy and personally guided by me.
From just 25 €/month
Diversified worldwide
Adjustable at any time
Why funds at all
Saving safely doesn't mean securely provided for.
In the account, your money quietly loses purchasing power every year. Gold keeps your value stable, that's the protection. But anyone who really wants to build wealth over ten, twenty, or thirty years needs a second building block that grows. That's exactly what broadly diversified investment funds do: you take part in the economy of many countries and industries, instead of just watching.
„Saving protects you from loss. Investing gives you the chance at real growth. You need both.“
My principle for every kind of wealth building
The core principle
How a fund really works.
A fund is a shared pot: many savers pay in, and a professional management team spreads the money broadly across hundreds of holdings worldwide. You don't have to pick individual securities, you own a share of the whole basket.
What works for you
Three effects that drive your wealth.
You don't have to be a market pro. Three simple mechanics do the real work over time, as long as you stick with it.
02 · use the volatility
Cost-averaging effect
You pay the same rate each month. When prices are low, you automatically get more units; when they're high, fewer. That way the volatility works to your advantage.
Each dot is one monthly purchase. When prices are low, you automatically get more units (larger dot). The dashed line is your Ø purchase price: highs and lows average out.
03 · honestly calculated
Costs under control
Explained transparently: a one-time front-end load and ongoing costs per year (TER). We deliberately keep an eye on them, because over the years costs eat into the return.
What happens with the income
Distributing or accumulating?
A fund generates income, for example dividends from stocks and interest from bonds. There are two ways to handle this income, and both are possible.
Distributing
The fund's income is paid out to you regularly. It lands in your account.
For ongoing cash flow, for example additional income or an extra pension.
Accumulating
The income stays in the fund and is automatically reinvested. You don't have to do a thing.
Maximum compound interest, fully geared toward long-term growth.
Which way suits you depends on your goal and your time horizon. That's exactly what we clarify together.
For context
Actively managed funds and ETFs.
You hear both terms all the time. Here's the factual difference, without black-and-white thinking, so you can join the conversation.
Actively managed fund
- A management team makes active decisions and can respond to market phases.
- In return, there are ongoing costs for this work.
- It can be built purposefully into an overall strategy with ongoing guidance.
ETF (index fund)
- Simply replicates an index, with no active selection.
- As a result, usually cheaper in ongoing costs.
- Follows the market one-to-one, on the way up as well as down.
My approach: I work with actively managed, guided fund solutions, because the real value lies in the strategy and the ongoing guidance, not in the individual product. What ultimately fits your goal, we decide together and transparently.
Before we start
Three questions that decide everything.
Before it comes to a product, we clarify the foundation. First the answers, then the strategy.
Question 01
What do you want to achieve?
Build wealth, provide for retirement, set something aside for the children. The goal sets the pace.
Question 02
What must not go wrong?
How much fluctuation is okay for you without lying awake at night? That determines the allocation.
Question 03
Which time horizon?
Do you need the money in three, ten, or thirty years? Time is the single most important factor.
Calculate for yourself
What your savings plan could become.
Set your savings rate, the term, and an assumed performance. You'll see right away how compound interest works over time. A non-binding example calculation, not a promise.
Possible from just 25 € a month.
Optional starting amount.
Freely chosen assumption, no guarantee. Stock markets fluctuate, and losses are possible.
Possible value at the end
–
Your contributions–
Possible value gain–
Value gain as a share of the final value–
Non-binding model calculation with a constant, freely chosen performance assumption and monthly contributions. No assurance of any performance. Prices fluctuate, and losses are possible. Costs (e.g. front-end load, ongoing costs) are not included here and reduce the result.
In 3 steps
This is how we start together.
1
Clarify the strategy
We go through the three guiding questions and set the goal, allocation, and savings rate. No pressure.
2
Set up the savings plan
We set up your fund savings plan, from 25 € a month, distributing or accumulating, exactly to plan.
3
Guide it continuously
I stay by your side, we review regularly and adjust when your life changes.
Why with me
Strategy and guidance, from one source.
Clear strategyFirst your goal, then the fitting allocation. No off-the-shelf product.
Experienced since 2012Financial advisor for Deutsche Vermögensberatung AG, in person in Lüdenscheid.
Personal guidanceOne steady point of contact who sticks with it. Even when the markets wobble.
Transparent & regulatedCosts openly on the table, everything within the DVAG's regulated framework.
The second building block
Funds let your wealth grow. The protection of a real tangible asset is right next door: physical gold through the DVAG partner Geiger. Strongest of all is the combination of both.
Your fund savings plan starts with a conversation.
We look at your goal together and find the plan that fits you. Free of charge and without obligation, in Lüdenscheid or via video consultation.
Brokering of investment funds by Eduard Strekert, financial advisor for Deutsche Vermögensberatung AG, tied agent. Investment funds are securities and are subject to price fluctuations; the value of your investment can rise and fall, and losses up to the total loss of the capital invested are possible. Past performance is not a reliable indicator of future development, and there is no guarantee of performance or capital preservation. The investment involves costs (e.g. a front-end load and ongoing costs) that reduce the result. The contents of this page serve as general information and do not constitute investment advice or a recommendation to buy or sell. The respective sales documents are decisive, in particular the key information document and the sales prospectus of the fund concerned.