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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.

Your advantages at a Glance

  • 99% of all available investment funds without front-end load*
  • 0.2% transaction costs for ETFs
  • Choice of 7,000 funds & ETFs
  • Savings plans from as little as € 10
  • No custody account management fee for new customers under 18 with Depot 4Kids
  • Sustainability criteria for fund search - ethical and sustainability criteria, such as renewable energies, environmentally oriented, recognition of the UN Global Compact Principles, etc.
  • Possibility of VL contracts when starting a career
  • Use the deposit withdrawal to transfer already existing funds. (Form „Deposit withdrawal“)


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.

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Your advantages with the savings plans

  • Savings plans from as little as € 10
  • 99% of all available investment funds without issue surcharge*
  • Savings instalments (monthly on 1st & 15th, ¼-yearly, ½-yearly, annually).
  • Individual adjustment of savings plans (adjustment, suspension, stop)
  • One-off investments possible at any time


    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.

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    Your advantages with the Depot 4Kids

    • More than 7,000 savings plans available - far more than 7,900 investment funds and ETFs are available to you as investments.
    • 99% of all available investment funds without issue surcharge* - Benefit from the best conditions with the 4kidsDepot via FXFlat for your little ones.
    • Free savings plans for children & young people - To make saving really worthwhile, children and young people up to the age of majority do not pay a custody account management fee.
    • Sustainable funds - The fund search engine allows you to find the right fund or ETF according to your criteria.
    • Free VL savings plans - In addition, your child receives free VL savings plans if they start their working life under the age of 18.
    • Long-term asset accumulation for your child - Long-term savings plans in particular allow you to make the best possible use of the cost-averaging effect. You buy continuously in both weaker and stronger market phases, which will usually lead to a lower average purchase price in the long run the earlier you start the savings plan.

      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.

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      Your advantages with the VL Fund savings plan

      • Asset-effective benefit (VL) - maximum contract term of 7 years, of which 6 years are paid into the VL contract. After the first 6 years, the contract is dormant for a maximum of one year. The savings plan is exempted starting on 1 January of the following year.
      • Maximum € 40 per month as an additional, voluntary cash benefit from the employer
      • 99% of all available investment funds without issue surcharge*
      • Another pillar of your own old-age provision
      • Investment in ETF savings plan even possible
      • Choice of over 1,000 investment funds & 300 ETFs eligible for VL fund savings plans
      • Up to 2,880 € additional payments over the entire term (6 years at 40 € per month)
      • Exploitation of the cost-averaging effect, together with broad fund selection = attractive yield opportunities
      • Low-cost VL contract fee (€12 per year, except 4kidsDepot)


        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.

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        Your advantages with the Withdrawal plan

        • Use a withdrawal plan for defined regular payouts
        • Your investment can continue to work for you
        • 99% of all available investment funds without issue surcharge*
        • Choice of withdrawal plan with capital preservation or capital withdrawal
        • With capital preservation: You have price gains and distributions paid out to you.
        • With capital withdrawal: You have a fixed monthly amount paid out until the capital is used up.


          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.

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          Your advantages with the Combination plan

          • From 500 € Single unit
          • 99% of all available investment funds without issue surcharge*
          • Full fund selection - over 7,000 investment funds and ETFs
          • Use of the cost-averaging effect
          • Automatic investment, without constant switching


          Functionality of the Combination plan

          • From a one-time investment of € 500, you pay into a source fund.
          • Thereafter, automatic savings instalments are made in up to 10 target funds of your choice.
          • Target fund = entire fund spectrum
          • Switching from source funds to target funds takes place until the source fund has been emptied.
          • Payments can still be made into the source fund by savings instalment or one-off payment.



          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.

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          Your advantages with the Overflow plan

          • Build up liquidity reserves
          • From € 10 savings instalment or €500 one-off investment
          • 99% of all available investment funds without issue surcharge*
          • Complete fund selection
          • Fixed deposit/overflow limits

          Functionality of the overflow plan

          • Regular savings in a source fund of your choice (selection from money market funds).
          • Amount below the overflow limit remains in the source fund.
          • Amount above the overflow limit is reallocated to up to 10 target funds (selection from equity funds, mixed funds, bond funds with corresponding weighting).
          • The target funds can be selected individually.
          • If money is withdrawn from the source fund, it will only be invested in the target funds when the overflow limit of the source fund is reached again.


          Prices & Conditions

          • Custody account management fee¹ „flex basic“:
            An investment with a custody account position savings plan for EUR 5.00 per quarter
            EUR 20.00 p.a. (The custody account management fee is waived for minors²)
          • Custody account management fee¹ „flex select“:
            Investment of up to two custody account positions in one custody account EUR 9.00 per quarter
            EUR 36.00 p.a. (The custody account management fee does not apply to minors²)
          • Custody account management fee¹ „flex standard“:
            Investment of up to 99 securities positions in a securities account EUR 12.00 per quarter
            EUR 48.00 p.a. (The custody account management fee does not apply to minors²)
          • Custody account management fee¹ „flex premium“:
            Investment of up to 99 custody account positions in one custody account EUR 17.00 per quarter (written transaction orders included)
            EUR 68.00 p.a. (The custody account management fee does not apply to minors²)


          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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          • *Exceptions to the issue surcharge

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