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Professional investment management means your money is structured, diversified, and rebalanced by experts, rather than left in a low interest savings account losing value to inflation. Over the long term, a well structured portfolio has historically outperformed cash by a wide margin, while being tailored to your risk tolerance, timeline, and personal values.
Professionally managed portfoliosTax efficient structuringTailored to your risk & timeline
Your Investment
How much would you like to invest?
You can combine a one time lump sum with an ongoing monthly contribution, most investors do both for the best long term result.
€ 5,000
One time lump sum
€0€5,000,000+
€ 200
Monthly contribution
€0€10,000+
Your Income
What is your gross annual income?
This helps us understand your overall financial capacity and which tax allowances apply to you.
€ 60,000
Gross annual income
€15,000€300,000+
Your income helps determine how much of your annual tax free investment allowance you're likely using, and what additional structuring may benefit you.
Your Risk Profile
How would you describe your risk tolerance?
This shapes the balance between growth potential and stability in your recommended portfolio.
Your Values
How important is sustainable (ESG) investing to you?
This shapes whether, and how strongly, environmental and social criteria influence your portfolio's fund selection.
Your Timeline
How long would you like to invest for?
Your timeline is one of the biggest factors in how your money should be invested.
Your Priorities
What matters most to you?
Select all that apply, this helps us tailor the right structure and product for you.
Select all that apply
Your Investment Analysis
Here's what your money could do
Based on your answers, we've projected your growth potential and identified opportunities you're currently not using.
Your Growth Potential
What your investment could grow to
Adjust your investment timeline10 years
6%€0
9%€0
12%€0
All figures shown are your gross investment value, before tax.
Recommended Portfolio
Your tailored portfolio & investment strategy
Based on your risk profile and priorities, we've matched you to a specific fund allocation, provider, and ongoing rebalancing strategy, structured for tax efficiency and, where relevant, sustainability. A Torc Wealth advisor will walk you through the exact recommendation.
Unclaimed Tax Benefits
Tax benefits you're currently missing out on
€0/year
Germany offers a tax free allowance on investment gains (Sparerpauschbetrag), along with partial tax exemptions for equity funds. Most investors don't structure their portfolio to make full use of these, leaving money on the table every year. A Torc Wealth advisor will show you exactly how to claim yours.
Your tailored solution is ready
Book a free consultation to unlock your personalised investment strategy, the exact portfolio, provider, and structure for your goals, risk profile, and tax situation.
Free of Charge
Book your 1 to 1 consultation
Our advisors will walk you through your personalised strategy, no cost, no obligation. We'll be in touch within 24 hours.
Your situation summary
n/a
Your answers are already filled into the form below, so we're fully prepared for your call. Just add your contact details.
Build a strategy around your individual financial goals.
Portfolio Structure
Create a diversified portfolio suited to your circumstances.
Regular & Lump Sum Investing
Invest monthly, existing capital, or a combination.
Existing Investment Review
Understand how your current investments fit together.
Frequently Asked Questions
How much money do I need to start investing?
You do not need a large amount of capital to begin investing. A strategy can be built around regular monthly contributions, an existing lump sum, or a combination of both. What matters more is that the investment approach fits your goals, timeframe and financial situation.
What should I invest in?
That depends on what you are investing for, how long you plan to invest and how much risk you are comfortable taking. Rather than starting with a particular product, we first look at your objectives and then determine what type of investment strategy may be suitable.
Should I invest monthly or as a lump sum?
Both can form part of an investment strategy. Regular investing allows you to build wealth gradually, while a lump sum puts more capital to work immediately. The appropriate approach depends on your available capital, goals, timeframe and attitude towards risk.
Can Torc review investments I already have?
Yes. We can review your existing investments and look at how they fit with your goals, risk profile and wider financial plan. This can also help identify unnecessary complexity, gaps or areas that may need reconsideration.
How much risk should I take when investing?
The appropriate level of risk depends on factors such as your goals, investment horizon, financial position and ability to tolerate fluctuations in value. Your investment strategy should reflect your individual circumstances rather than simply aiming for the highest possible return.
What happens to my investments if I leave Germany?
This depends on the investments you hold, the provider and the country you move to. Moving abroad can also change the tax and regulatory treatment of your investments, so internationally mobile investors should consider portability when building their strategy.
This website provides general information only and does not constitute personal financial advice or a recommendation. Any suitable course of action depends on your individual circumstances. Investments carry risk and can fall as well as rise, and you may get back less than you invest. Tax treatment depends on individual circumstances and may change. Cross border situations can add additional complexity.
Chris Everitt (Senior Partner) and Jasper Bossmann Everitt (Partner) are IHK-qualified financial consultants (IHK Berlin), registered as insurance intermediaries under §34d GewO and as financial investment intermediaries under §34f GewO.
