Our pricing model has two components - a monthly fee and a shared success fee.
The monthly fee covers providing and managing a personal portfolio, screening the best sustainable ETFs across all service providers (unlike banks that are often interested in selling where they earn the most), transaction fees to buy and sell the funds, and keeping them safely in the bank.
If you wanted to replicate the portfolio by buying individual ETFs every month, transaction fees would consume a big part of your investment, not to speak of the time that goes into investment decisions. This is why sustainable and values-based investing has not been accessible to people who just want to invest small sums on a regular basis.
We make use of our economies of scale to lower the cost for each individual investor. This is how we’re able to keep our monthly fee at €3.90.
Management fees at banks usually depend on your portfolio size. They increase along with your portfolio. Our monthly fee stays the same regardless of the size of your portfolio or monthly payment. In fact, the larger your Grünfin portfolio grows, the lower the relative cost gets.