Savings Plans

With FXFlat you can reshape your future and build up and manage your assets easily and flexibly in small steps with our savings plans.


Building up assets with savings plans offers many advantages and can already be started with small monthly instalments. Benefit from the cost-average effect and reinvest dividends, distributions and income as desired. A wide selection of funds and ETFs are available to you.

Choose the savings plan that's right for you, regardless of whether you don't keep a constant eye on the markets yourself and prefer to leave it to a professional (funds) or you are interested in what's happening on the financial markets and want to make your own investment decisions (ETF).

Open your investment custody account and select one of the four different needs-based custody account models.
 

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Your advantages at a Glance

Savings plans

Build up your assets simply and flexibly with a fund savings plan and take advantage of more attractive return opportunities than with conventional forms of savings. Your saved capital grows not only through regular payments, but also through the direct reinvestment of income and distributions.

Your advantages with the savings plans

Depot 4kids

There are many beautiful moments and milestones in the life of parents and their own child. From birth, to starting school, to graduation or university. As a parent, you always want to give your offspring the best possible gift, which can sometimes be expensive.
It doesn‘t matter whether you are planning a major gift for your child on the occasion of a milestone, want to help finance their studies or simply make provisions for the future. The Depot 4kids offers the necessary flexibility to achieve these investment goals.
Benefit from the best conditions with the 4kidsDepot via FXFlat for your little ones. You pay neither issue surcharges nor the custody account management fee until your child reaches the age of majority.

Your advantages with the Depot 4Kids

VL fund savings plan

With the so-called „Vermögenswirksame Leistung“ (VL), you have the opportunity to take advantage of an additional cash benefit from your employer up to a maximum of € 40 per month by means of a savings plan. A VL savings plan is set to run for a maximum of 7 years, of which the savings instalments are paid by the employer in the first 6 years, with the VL savings plan being dormant in the last year. With a VL plan, you can choose between numerous VL-eligible investment funds and ETFs to build up additional assets.

Your advantages with the VL Fund savings plan

Withdrawal plan

If you are looking for a way to invest your assets (e.g. savings or funds from maturing life insurance policies) profitably and at the same time receive a regular additional income, FXFlat has just the right offer with the withdrawal plans or payout plans. You decide whether you want to maintain your capital in the securities account with the withdrawal plans / payout premiums or use it up over time. Both models allow you to build up capital for an additional regular income or retirement provision.

Your advantages with the Withdrawal plan

Combination plan

A combination plan at FXFlat combines the advantages of a one-off investment with those of a savings plan. Within the combination plan, you make a one-off investment from € 500 in a lower-risk source fund (e.g. money market fund), which then switches to up to 10 target funds of your choice at a rate and interval of your choosing. In addition, you can continue to invest in the target funds per savings rate. The combination plan thus allows you to avoid the timing risk and at the same time benefit from the cost-average effect.

Your advantages with the Combination plan

Functionality of the Combination plan

Overflow plan

An overflow savings plan allows you to build up a liquidity reserve while simultaneously using a fund savings plan. For this purpose, a lower-risk source fund is selected (e.g. money market fund), into which you pay in a single payment or savings instalment. As soon as the source fund exceeds the overflow limit set by you, the surplus is shifted into 10 target funds of your choice. If you do need liquidity quickly, you can withdraw it from the source fund at any time. An investment in the target funds will only take place again once the overflow limit has been exceeded.

Your advantages with the Overflow plan

Functionality of the overflow plan


Your advantages at a glance


Prices & Conditions

¹ Please refer to the currently valid list of prices and services of the European Bank for Financial Services GmbH (ebase).
² New customers under 18 years of age for whom an ebase custody account 4kids is opened do not pay a custody account management fee until they reach the age of majority.

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