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We identify unprofitable and outdated investments for you
Are you wondering if your current investments are really sound? Whether they’re still appropriate in times of high inflation? Or if there are better alternatives? We’ll help you answer these questions with a professional financial assessment of your investment products.
The Need to Review Existing Retirement Plans: A few years ago, the Consumer Protection Agency examined the quality of advice provided by banks, savings banks, and other traditional financial institutions and found alarming results: 77% of customers had at least one unsuitable financial product in their portfolio.
The picture was even bleaker when it came to newly offered financial products. 95% of them did not meet customers’ needs—they were too expensive, too risky, too inflexible, or too unprofitable. This is a clear indictment of commission-based advice.
We review your existing financial and investment products to assess their suitability, costs, and profitability. We’ll let you know whether it makes sense to continue with them or what alternative options are available to you.
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The Benefits of a Financial Assessment of Your Investment Products
- You’ll find out whether your financial product is still suitable for your needs.
- You’ll learn what costs are associated with your financial product and how they affect your return on investment.
- You’ll be presented with specific options for action.
We identify unprofitable and outdated investments for you. - Based on our experience, savings of 50% and return increases of 100% are quite common.
- You save money immediately by identifying and eliminating unprofitable financial products.
- The long-term savings often amount to tens of thousands of euros.
When is it worth taking a critical look and seeking a professional second opinion?
It is particularly advisable to review life and pension insurance policies, as these contracts often involve high costs.
Less than 10% of the policies we reviewed were suitable for retirement planning. Customers often fail to recognize this on their own, as the annual statements provided by many insurers do not include all the important information. Our policy review often reveals that you can exercise your right to cancel, which allows you to get significantly more money back from your policy.
A portfolio review can also offer significant benefits for securities accounts, especially if the portfolio was put together by commission-based advisors, banks, or savings banks. Often, expensive, actively managed mutual funds are used, which yield lower returns for the client than a low-cost ETF portfolio. Experience shows that the total costs of traditional portfolios can amount to up to 3.5% per year. With an ETF portfolio that also includes ongoing management, you can save up to 50% on costs.