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Check holdings, ETF overlaps and deviations from your strategy. With a worked example and a comparison with Parqet and getquin.
What BaFin and ESMA actually require, which limits AI-generated ideas need, and how an investment mandate with honest monitoring keeps the investor in control.
AI agents can now move from a conversation to a securities order. The next question is not whether they can act. It is whether they understand the investor they are acting for.
Investing with a written mandate
Start with the Investment Policy Statement. Six chapters connect the written plan with cooling-off, behavior, intervention costs and ETF look-through.
The Investment Policy Statement, translated for the self-directed investor: a set of rules you write yourself, to bind today's calm mind to tomorrow's stressed one.
Why a short, pre-set waiting period lets the hot impulse cool and gives calm reflection back the room that arousal takes from it.
The most expensive line item in a portfolio is rarely the market, but the distance between the return of a strategy and what the investor actually keeps from it through their own timing.
For most investors, trading less beats trading a lot, because activity feels productive but as a rule it costs return.
Why frequent reshuffling costs return, and what a calm portfolio preserves.
MSCI World and S&P 500: why shared holdings, weighted overlap and portfolio exposure answer different questions.
By topic
Check holdings, ETF overlaps and deviations from your strategy. With a worked example and a comparison with Parqet and getquin.
In 2026 Ray Dalio warns of concentrated AI risk and still considers his risk-balanced core essential. What All Weather means now, and why the familiar 30/55/15 mix is not his current recommendation.
The screen shows today's return. What actually decides your long-term net return sits elsewhere: what you really own, what it costs, what survives tax, and whether you are still following your plan.
Basiszins, calculation and practical tips on the Vorabpauschale for accumulating ETFs.
How to make the most of your EUR 1,000 allowance across several custody accounts.
Usually the bank settles the tax. The Anlage KAP is for the years in which it could not know everything.
Work out your personal provision need realistically
The foundation of every solid financial strategy
Saving systematically toward a home purchase
Step by step to a securities account for your child
Make your child's investment income tax-free up to the allowance
Give tax-free every 10 years: how to do it right
See taxes, dividends and allocation for your whole portfolio in one place.