Let your trees grow

Security and returns without you having to worry about it.

How your money is invested

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

Fewer fluctuations thanks to daily optimization.

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


Safety- Strategy 60%
Profit- Strategy 40%
Probiere verschiedene Risikostufen aus.
Thanks for the numbers, they could be going to your emails. But they're going to mine... Thanks ;D
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Du wählst die Risikostufe.

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.

What your money is not invested in

What is the point of investing in the future if there is none? That is why money in the saving trees is not invested in industries such as weapons, coal and others that violate the UN Global Compact.

Investing with a clear conscience.

Curated, sustainable asset classes.

What your money is invested in

The assets are invested in filtered equities, bonds and impact investments that contribute to the 17 Sustainable Development Goals (SDGs) of the United Nations.

Over 13 billion euros in professional experience

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.

Safety first
Capital preservation comes before profit maximization - which is why we have opted for conservative funds. For example, these do not contain any individual shares.
Weekly market update
You are informed! Once a week, we will send you a current market commentary by e-mail, explaining the background to current value developments.
Sustainable Article 8 funds
Money in the saving trees is invested exclusively in sustainable funds that comply with the Article 8 guidelines. The MSCI ESG rating for the funds is AA (as at March 1, 2023).
Performance in real time
In the Bling app, you always have a historical and current overview of the development of your saving trees. Of course as a child's play display!

Learn more about saving trees

▶ Alles über die Risikostufe vom Sparbaum
▶ Sparbaum vs. ETFs
▶ Sparbaum: So wird das Geld investiert
▶ Nachhaltigkeit beim Sparbaum
▶ Was sind Aktienanteile?
▶ Was sind Anleihen?
▶ Sparbaum für mein Kind: Ab wann?
▶ Wie funktioniert die Kassequote?

What can I lose? What can I earn?

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


How does the saving tree differ from an ETF?

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.

How long should I invest my money in the saving tree?

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.

Is there a minimum term?

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.

Why am I being asked risk questions when I register?

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.

Who is Evergreen?

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.

Where can I find the fund information?

Here you can download all fund information from our partner Evergreen.

More questions