VisualVest Experience- Robo-Advisor VisualVest in Test

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In this article I describe my experiences with the provider VisualVest.
VisualVest is a robo advisor founded in 2015 by the Union Investment Group. The company thus combines the speed and flexibility of a start-up with the expertise, security and financial strength of one of the leading fund companies in Germany. VisualVest was founded in early 2015 and offers three levels of fully automated asset management: VestFolio with ETFs, VestFolio with actively managed funds and GreenFolio, which is geared towards sustainability. It is therefore also interesting for customers who value a sustainable and socially responsible investment.

At a glance – The VisualVest brief check

  • Simple and fully digital asset management with just a few mouse clicks
  • Very many broadly diversified portfolios available from passive ETFs, actively managed or sustainable funds
  • Low barrier to entry: One-time investment possible from as little as 500 euros, savings plans from 25 euros per month
  • Full flexibility: The Money is available at any time and can be withdrawn immediately. Savings rates can be adjusted at any time.
  • You can set a financial goal: The provider keeps track of the destination for you and gets in touch with you
  • Strong partner in the background: Depot leading bank is Union Investment Bank

Why VisualVest?


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How do I find the right investment strategy at Visual Vest?

Thats is quite easy. The website provides you with a simple process consisting of the following steps:

Step 1:Selection: Investment for me or my child Beneficiary age group | Image source: Screenshot from VisualVest
Step 1: Selection: Investment for me or my child | Image Source: Screenshot by VisualVest
Step 2:Selection of age group | Image source: Screenshot from VisualVest
Step 2: Selecting the age group | Image Source: Screenshot by VisualVest
Step 3:Selection of monthly available amount | Image source: Screenshot from VisualVest
Step 3: Select Monthly Available Amount | Image Source: Screenshot by VisualVest
Step 4:Entering the savings rate | Image source: Screenshot from VisualVest
Step 4: Enter the savings rate | Image Source: Screenshot by VisualVest
Step 5:Enter investment horizon | Image source: Screenshot from VisualVest
Step 5: Enter investment horizon | Image Source: Screenshot by VisualVest
(Optional) Step 6:Enter savings goal| Image source: Screenshot from VisualVest
(Optional) Step 6: Enter Savings Goal| Image Source: Screenshot by VisualVest
Step 7:View information brochure| Image source: Screenshot from VisualVest
Step 7: View Information Brochure | Image Source: Screenshot by VisualVest
Step 8: Experience with investment funds| Image source: Screenshot from VisualVest
Step 8: Mutual Fund Experience | Image Source: Screenshot by VisualVest
Step 9: Query about your risk tolerance| Image source: Screenshot from VisualVest
Step 9: Question about your risk tolerance | Image Source: Screenshot by VisualVest
Step 10: Another query about your risk tolerance (control question)| Image source: Screenshot from VisualVest
Step 10: Another query about your risk tolerance (control question) | Image Source: Screenshot by VisualVest
Step 11: One more question about your risk tolerance (control question 2)| Image source: Screenshot from VisualVest
Step 11: One more question about your risk tolerance (control question 2) => The three questions about your risk tolerance should match. Otherwise the program issues a warning.| Image Source: Screenshot by VisualVest
Step 12: Result of the analysis. You can accept the result or choose another risk class.| Image source: Screenshot from VisualVest
Step 12: Result of the analysis. You can accept the result or choose a different risk class. | Image Source: Screenshot by VisualVest
Step 13: Choose between GreenFolio or VestFolio| Image Source: Screenshot by VisualVest
Step 13: Choose between GreenFolio or VestFolio| Image Source: Screenshot by VisualVest
 Done! Result of the analysis. Here you can change the main parameters and play with them. The analysis shows you if and when you can achieve your savings goal.
Complete! This is the result of the analysis. Here you can change essential influencing parameters again and play with them. The evaluation shows you if and when you can reach your savings goal.
| Image Source: Screenshot by VisualVest
Open VestFolio or GreenFolio. Let your money work for you in the best possible and sustainable way.

Subsidiary of one of Germany's leading investment fund companies

VisualVest is a 100 percent subsidiary of Union Investment. Union Investment is one of the leading fund companies in Germany. VisualVest thus also benefits from the experience of a strong partner.

Protection against insolvency

In the event of bankruptcy, your invested money remains – you get it back in full.

deposit insurance

Of course, the statutory deposit guarantee applies to your account with Union Investment.

BaFin license

VisualVest is a financial portfolio manager regulated by the Federal Financial Supervisory Authority (BaFin). For the investor, this has the advantage that VisualVest can intervene directly in the portfolio, for example to optimize the return through reallocations. A robo advisor without a license from BaFin only uses its algorithms to make investment recommendations, which the customer then has to implement on their own.

Can a savings plan be changed at any time?

Yes. A savings plan can be set up from a minimum amount of 25 euros and can then be adjusted at any time. Savings plans can be set up monthly or for longer periods. Dynamic savings plans are also possible (with automatic increases).

Rebalancing at VisualVest

Due to price changes, rising positions in the portfolio can be over-represented while falling positions are under-represented. This effect is balanced by rebalancing so that the composition and thus the risk remain the same

VisualVest checks weekly whether rebalancing is necessary. If a position exceeds a certain threshold, the algorithm intervenes and buys or sells shares of the position. This happens fully automatically for the investor and without additional costs.

Can I cancel my account at any time?

Yes. There is no minimum term and you can close your account at any time and without giving a reason. Money can also be deposited permanently. You can also track all processes in the provider's smartphone app.

Community and minor depots at VisualVest

Community Deposits and Junior Deposits

VisualVest offers both Community Depositories as well as Junior depots for under 18s an. With the Junior securities account, the child can only carry out transactions on the account via a parent or guardian until he or she reaches the age of majority. This allows them to start saving at an early age. Another advantage of the Children's DepositoriesIf funds are not purchased via the parents' securities account but via the child's securities account, the child's securities account again has a tax allowance available to it

info

Which investment concept is VisualVest pursuing?

investment strategy

VisualVest is a provider that invests in both active and passive funds. The provider has many (17!!) diversified portfolios of passive ETFs, actively managed or sustainable funds available. Personally, I recommend investing in passive ETFs. Why? The SPIVA study regularly proves their superiority.

Goal-oriented and long-term savings

VisualVest actively supports your success on the stock market. To this end, the provider follows the following principles:

  1. A long-term investment
  2. Regular savings that cannot be forgotten through automation
  3. A long-term strategy based on your preferencest

VisualVest offers the provider flexible savings plans to achieve these goals and supports you in achieving the financial goals you have set yourself. The algorithm also calculates how likely it is that your goal will be achieved and suggests measures to change it.

Awards Visual Vest

The provider has already received numerous awards. These include Banking Magazine, Capital, Euro am Sonntag and ETF Extra Magazin

Conclusion about the Robo Advisor VisualVest

The provider VisualVest leaves a positive overall impression. With BaFin's approval, VisualVest can relieve the customer of a lot of work and manage the system fully automatically. Furthermore, the provider offers suitable portfolios for all risk classes. With the Union Investment Group in the background, the provider has the necessary experience in the investment sector. Of particular note are the opportunities to invest in sustainable investment products in addition to passive ETFs and actively managed funds. This enables the provider to clearly distinguish itself from the masses and also to win over people who want to invest in an environmentally and socially responsible manner.

Test offer


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VisualVest experiences 2020 - Robo-Advisor VisualVest in the test
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VisualVest experiences 2020 - Robo-Advisor VisualVest in the test
short description
In this article I describe my experiences with the provider VisualVest. VisualVest is a robo advisor founded in 2015 by the Union Investment Group. The company thus combines the speed and flexibility of a start-up with the expertise, security and financial strength of one of the leading fund companies in Germany. VisualVest was founded in early 2015 and offers three levels of fully automated asset management: VestFolio with ETFs, VestFolio with actively managed funds and GreenFolio, which is geared towards sustainability. It is therefore also interesting for customers who value a sustainable and socially responsible investment.
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