Security and returns without you having to worry about it.
The money you invest in saving trees is distributed across shares and bonds, and the distribution is adjusted to the current market environment to prevent fluctuations. This is called active risk management.
Share packages in which various securities are bundled together. To minimize risk, the money is not invested in individual shares.
A kind of loan for countries. In return, they pay interest, which makes your saving tree grow.
If the markets perform negatively, the money is not invested and held in a cash box
The shares, bonds and cash ratio are adjusted daily in line with market developments. An important difference to a classic ETF.
Kasse für schwierige Zeiten
For each saving tree, you can define your desired risk level on a scale of 1 to 10. Based on your decision, your investment will be adjusted between two funds (Evergreen PDI Yin & Evergreen PDI Yang). The Evergreen PDI Yin fund is more security-oriented and therefore has fewer fluctuations because it invests less in equities, for example. The Evergreen PDI Yang fund has greater earnings potential, but may also have higher fluctuations as a result.
The team around Iven Kurz from Evergreen has many years of experience in asset management and manages the assets in your saving trees in a conservative, diversified and sustainable manner. Professional investors have already entrusted the fund managers with over 13 billion euros in their previous activities.
Money that you pay into the saving trees is invested. Families do this in order to receive a return on their assets. However, the golden rule applies: no return without risk.
So as it is an investment, the value in the saving tree can also decrease. In the long term, however, the money invested is invested in such a way that, depending on the risk level, a long-term return of 1 to 8 % can be forecast.
Only invest money that you don't need in the short term
ETFs are an important step towards cost optimization for capital investments. However, they still incur average fees of 0.25% per year. In the professional sector, significantly cheaper instruments, such as exchange-traded futures, have been used for decades. These are virtually free of charge and correspond to the performance of an ETF with the same investment universe. This is exactly what our partner Evergreen has been using in the institutional sector for over 17 years. Although monthly or weekly adjustments to the client portfolio are certainly possible with the help of ETFs, risk management often requires daily adjustments, especially in critical market phases. The instruments used in the saving trees have more than 1,000 times the trading volume of ETFs.
There are many reasons why a medium to long-term investment can often make more sense. Time is one of the most important factors when investing. The longer an investment runs, the more likely it is that positive returns will be achieved, as short-term market fluctuations do not strongly influence long-term investments. And the compound interest effect is also stronger the longer the investment period. Short-term investments are often based on speculation and also require a lot of time and effort on the part of the investor. With a longer investment period, you can invest passively without having to deal with the markets on an hourly basis.
No, there is no minimum term for the saving trees. This means that you can withdraw the money you have invested at any time and close your custody account. We do not charge any additional fees for this.
These questions are part of the mandatory risk assessment. This allows us to ensure that you are aware of the potential risk of an investment. We can also suggest a suitable risk level for you afterwards.
We have decided to work with the experienced asset manager Evergreen from Leipzig. Evergreen shares our values of sustainability, a security-oriented investment strategy and active risk management. Specifically, the money paid into saving trees is invested in the "Evergreen Yin" and "Evergreen Yang" funds according to your chosen risk level. As a regulated financial services institution in accordance with Section 15 of the German Securities Institutions Act (WpIG), Evergreen fulfills the requirements for acting as an asset manager. Evergreen is therefore subject to special control and monitoring mechanisms.
Here you can download all fund information from our partner Evergreen.