Marco VegaFounder, CEO
Financial Advisor
Financial Advisor
Grow your wealth with
sustainable investing
Earn 3.5% more annually than
with your bank account
Our
Partners:
ETF
Providers:
Meet
Sagefund Stability
- A secure place to grow your savings.inflation and building a rainy-day fund.
Perfect for protecting yourself from - Retain flexibility.
Deposit or withdraw at any time, or setup an automatic monthly deposit. - Do good on the planet.
Invest responsibly, in accordance with UN sustainability goals.
How does it work?
Open your account - in 15 minutes
Just fill in your details, verify your identity, and you are done! Our banking partners will process your application immediately.
Don’t know how much to invest?
We handle all transactions
Track your investment
Want to make a change?
Calculate your earnings
Use our calculator to estimate your future returns. But note that markets are in constant flux so your results can be higher or lower. Saving should be a lifelong habit, so we highly recommend setting up a monthly deposit. And don’t forget, investments compound , so think long-term!
Initial
investment 30,000€
investment 30,000€
Monthly
investment500€
investment500€
Why is my profit negative?
Select the period of investing
Past performance doesn't predict future growth. Target returns and estimated profits are only a reasonable estimate.After 10 years you are expected to have a
balance of 115,900€ in your account.
You will have paid 6,196€ in fees
,
and made 25,900€
in
profit
.
€104,800
Worse than expected
€115,900
Expected
€128,000
Better than expected
Investment overview
We use Markowitz’ Nobel prize winning strategy to create your
ETF
portfolio
.
The goal is to optimally spread your money globally and across industries to ensure that your eggs are never in one basket. You will invest in large public companies, and also corporate and government development bonds with a strong track-record of both stability and performance.
Countries
Industries
Stocks
sustainable development
Bonds
Invest in line with
UN Sustainability goals
- We use strong exclusion principles to filter out harmful industries, and support the most sustainable companies in regular industries.
- 41% of your investment flows exclusively into projects aimed at curbing climate change.
- Sustainable investing has outperformed conventional investing and has been more resilient during the Covid-Crisis.
- Sustainable investing has shown to avoid carbon emissions by 27%
carbon emissions
& biodiversity
"Future You" will thank you
People who invest their savings retire 250% richer than those who don't invest.*
Learn the basics of investing
with our newsletter.
Performance & stability
Your investment balance will fluctuate slightly over time. Sometimes down, but mostly up. As you can see in the graph, Sagefund is designed for stability - ideal for growing your savings. Even in times of crisis (such as the recent Covid crash), the portfolio remained highly resilient, and has already recovered all it’s value, and more.
12-month
return
8.09%
Five year
return
27.4%
Average
volatility
5.8%
Max
drawdown
-13.2%
*Please note that past performance doesn't predict future growth, and should only be treated as a reasonable estimate.
12-month
return
5.6%
Five year
return
25.5%
Average
volatility
5.5%
Max
drawdown
-12.0%
*Please note that past performance doesn't predict future growth, and should only be treated as a reasonable estimate.
Portfolio breakdown
- Sagefund Stability is made of a mixture of sustainable
ETF bonds, stocks, real estate, and commodities
(clean energy, timber, and gold). - Each ETF has been selected for being the best in class.
The bonds provide stability; the stocks provide growth;
and the rest is for sound diversification. - In order to ensure optimal balance and diversification
over time, your investment is rebalanced annually, and
your dividends automatically reinvested. - Sagefund Stability was constructed and stress-tested in collaboration with Bank für Vermögen.
Green Bonds
Solactive Green ESG Bond19%
Development Bank Bonds
Solactive Global Multilateral Development Bank Bond20%
Government Bonds
J.P. Morgan Global Government ESG Liquid Bond19%
Corporate Bonds
Barclays MSCI Global Liquid Corporates Sustainable Bond14.5%
What are the costs?
Your monthly fees are based on your account balance. We have three pricing tiers, so higher
account balances have smaller yearly percentage fees. Fees are charged on a monthly basis,
and you can cancel at anytime. Use the slider to estimate your fees:
Account
Balance
You pay
7.08€
Per monthTier 1 yearly fees (80€ + 0.49%)
Management fees
80€/year
Ensures the platform is running smoothly.Banking
partner fees
0.26%/year
Covers all transaction costs and insurances.Fund fees
0.23%/year
Pays for the maintenance fees of your investment funds.People don’t get rich from their
salaries
Letting your money work for you is key to growing your wealth.
About Us
At Sagefund, our goal is to make wealth management accessible to everyone and sustainable investing the norm. For this reason, we have partnered with industry experts to ensure strong performance, flexibility, and legal compliance. All three organizations are regulated by BaFin, Germany’s financial regulatory authority. Learn more about each of us here:
Core Team
Freelancers
FAQ's
Q
How is my investment protected?
Q
Am I guaranteed to make 3.5% per year (after fees)?
Q
How is my data protected?
Q
Can I choose or edit the investment portfolio?