Grow your wealth with
sustainable investing

Earn 3.5% more annually than
with your bank account

Our
Partners:

ETF
Providers:

How does it work?

  1. 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.

  2. Don’t know how much to invest?

  3. We handle all transactions

  4. Track your investment

  5. 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€
Monthly
investment
500€

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 115,910€ in your account.

You will have paid 6,196€ in fees ,
and made 25,910€ in profit .

€105K
Worse than expected
€116K
Expected
€128K
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.

Learn More in our Blog
investment overview map
50+
Countries
20+
Industries
1500+
Stocks
Clean energy &
sustainable development
2500+
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%
See our sustainability criteria
Reducing carbon emissions
Reducing
carbon emissions
Protecting water and biodiversity
Protecting water
& biodiversity
Board diversity
Board diversity
Labour rights
Labour rights

"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

-10.7%

*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.

Stocks

14%

Bonds

78%

Other

9%

Stocks

14%

Bonds

78%

Other

9%

Green Bonds

Solactive Green ESG Bond

19%

Development Bank Bonds

Solactive Global Multilateral Development Bank Bond

20%

Government Bonds

J.P. Morgan Global Government ESG Liquid Bond

19%

Corporate Bonds

Barclays MSCI Global Liquid Corporates Sustainable Bond

19.5%

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

1,000€

You pay

7.08€

Per month

Tier 1 yearly fees (80€ + 0.50%)

Management fees

80€/year

Ensures the platform is running smoothly.

Banking
partner fees

0.26%/year

Covers all transaction costs and insurances.

Fund fees

0.24%/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:

partner 1partner 3partner 2
partner 1partner 3partner 2

As investment advisors, our job is to carefully craft investment portfolios that meet your needs, while ensuring high sustainability standards - because making money doesn’t need to hurt others! We grow and maintain the platform, and are your first point of contact for any questions and feedback. Our mission is to ensure that sustainable investing is easy and accessible to everyone. The truth is that investing just works - but not enough people do it. Our long term vision is to create a fully sustainable wealth management platform that helps you manage all major aspects of your financial life.

Core Team

Marco VegaFounder, CEO
Financial Advisor
Sana Al-BadriFounder, CPO
Financial Advisor
Džanan GanićFounder, CTO

Freelancers

Jean-Baptiste DupasUX/UI
Kenan BalijaWeb
Development
Ninad KetkaleDesign & Branding

Partners & Advisors

Marc SattlerBoard of Directors
Bank für Vermögen
Lisa LaufenbergPrivate Investing
Bank für Vermögen
Franz UhlBanking Services
Baader Bank
Aleksandar OrlićSenior Tech Advisor

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?

If you have any questions
don’t hesitate to get in touch