Easyfolio

Easyfolio GmbH operates as a German financial services company, functioning as a robo-advisor that provides digital asset management through exchange-traded fund (ETF) portfolios. Founded in April 2014 by Extravest GmbH, the company has undergone several ownership changes. It was first acquired by the F.A.Z. Group at the end of 2015, then by the private bank Hauck & Aufhäuser in May 2016, and subsequently by Netfonds AG in June 2020. Currently, Easyfolio is a subsidiary of Netfonds AG and is based in Hamburg.

The firm's business model centers on offering pre-configured, globally diversified ETF portfolios to retail investors, simplifying the investment process. Clients can start with a minimum investment of €100 or set up a savings plan from as little as €10 per month. Revenue is primarily generated from management fees, which range from approximately 0.72% to 0.74% annually, in addition to underlying ETF costs of about 0.25%. The company does not charge performance fees. A key differentiator is that clients are not required to open a new depot with a partner bank; they can purchase and hold the Easyfolio portfolios within their existing brokerage accounts.

Easyfolio's core product consists of several ETF-based portfolio strategies, primarily "Easyfolio 30," "Easyfolio 50," and "Easyfolio 70." The number in each name denotes the percentage of the portfolio allocated to equities, with the remainder invested in bonds, allowing clients to select a strategy that matches their personal risk tolerance. These portfolios provide exposure to thousands of stocks and bonds across numerous countries, with their composition weighted according to global gross domestic product (GDP) and rebalanced quarterly. The company also offers a sustainable option, "easyfolio green," which focuses on ESG-compliant investments. The platform is designed for accessibility, providing transparency and flexibility for investors to manage their financial goals, such as retirement savings or children's education funds.

Keywords: robo-advisor, ETF portfolios, digital asset management, German fintech, passive investing, wealth management, investment strategies, financial services, automated investing, savings plans, portfolio management, retail investing, asset allocation, exchange-traded funds, global diversification, Netfonds AG, Hauck & Aufhäuser, financial planning, investment funds, low-cost investing, systematic investing