Investing with Sutor Bank

Profit from the capital market and grow your wealth

Icon advice

Profit from the capital market and grow your wealth

Anyone can invest in the performance of the capital market to build up long-term wealth. Equity and bond funds and ETFs offer you a wide range of options for investing your money. Some people want to invest a large sum at once, others want to save a small amount each month. Some want to make provision for old age. Perhaps you are also looking for a flexible solution? The Sutor Bank is always the right choice for you: with or without state subsidies, as a self-investor or with asset management.
 

A good option for investing in the capital market is a savings plan, for example, through which regular payments are made into equity or bond funds. This allows you to build up a securities portfolio over the long term. Before deciding in favour of one investment or another, you should weigh up the costs, return and risk as well as personal factors.
 

But be careful: don't invest in anything you don't understand. When investing in securities, it is generally true that the riskof suffering losses with the investment increases with the potential returns. If you are unsure, you should seek advice before investing or appoint an asset management team to look after your investment portfolio.
 

It's actually quite simple: with a well-diversified mix of investment funds with shares or bonds, you can participate in the capital market. In the long term, investors who want to achieve solid returns cannot ignore equities. The longer you stay invested, the more likely it is that fluctuations on the stock market will be evened out.

Investment savings with selected funds

Classic fund saving with equity and bond funds and ETFs is probably the most flexible solution for targeted asset accumulation. You invest in one or more funds - our fund universe provides you with a product-neutral and diverse selection. You do not have to specify a duration and are not tied to any fixed deadlines. Payments are variable from a low minimum amount, whether as a one-off investment or as a regular savings rate. All according to your personal investment profile.

Scheme of a savings plan

Grow wealth with a savings plan

From the very first rate, you invest in a broadly diversified portfolio with one or more funds. Even small monthly savings amounts can become large sums over the years. As a rule, savers not only benefit from a positive return in the long term, but also remain flexible with funds units.

Cost-Average-Effect

Cost-Average-Effect

If you regularly save in investment funds, you are doing it exactly right. This is because you buy more fund units when stock market sentiment is poor, while you buy comparatively fewer in good stock market phases. This so-called cost-average effect can lead to more favourable average prices for your fund units. And if you remain invested over the long term, you will be rewarded with attractive returns.

Investment savings with an independent wealth management

With our portfolios, you enjoy all the advantages of professional wealth management that was previously only available to a few wealthy clients. The Sutor asset management team puts together each portfolio according to the same scientifically orientated principles. Investments are made in broadly diversified portfolios with ETFs, equity and bond funds. We avoid speculation and unnecessary risks. Ideal for long-term wealth accumulation. Our financial experts regularly review the portfolios and adjust them to developments on the capital market so that the risk/return ratio remains within the chosen range.

Chancen-Risiko-Profil verschiedener Strategien

Professional & individual

At Sutor Bank, everyone has the opportunity to build up or expand their assets on the capital markets. There are various individual investment strategies to choose from. They differ in the ratio of bond and equity funds to each other: a higher proportion of bond funds means a lower riskand a lower expected return. More equity funds mean a higher expected return with a higher risk. Which investment strategy is right for you depends on your personal risk profile, your investment horizon and your expected return.

Seal from the Focus Money bank test

Top-rated wealth management

The wealth management services of leading banks are put to the test every year in the FOCUS Money and n-tv bank test. Sutor Bank is once again one of the top addresses in Germany this year.
 

To the current bank test

Get active for your private pension provision

Pension schemes are basically nothing more than long-term wealth building. Depending on your personal life situation and individual risk tolerance, there are various ways to save for your retirement. In addition to the state pension, everyone can save for their pension themselves. This is particularly important today, as the level of the state pension is constantly falling. This is why private pension provision is even rewarded by the state with subsidies or tax benefits.

Fortunately, there are various ways in which you can become active yourself. To this end, we focus on investments in securities such as equity and bond funds. In our view, equity returns are essential for long-term private pension provision.

Rürup pension as the basis for a carefree old age

The Rürup pension, also known as basic pension, is aimed in particular at those who are not compulsorily insured in the state pension scheme. In principle, however, anyone can sign it up. Developed in 2005 for the self-employed and freelancers, the Rürup pension is now also attractive for high-earning employees and civil servants. If you save for old age with a Rürup contract, you will receive tax relief from the state.

Manage the Rürup return yourself

Many Rürup contracts are conventional or fund-linked pension insurance schemes. For savers who want to benefit from the opportunities of the capital market in addition to the tax advantage, Rürup contracts are also offered as fund savings plans with equity and bond ETFs: Here you can flexibly manage your fund investment yourself. In any case, you should carefully compare the various offers in terms of costs and also in terms of risk and return.

Capital market investments with VL and state incentives

Many employers pay up to 40 euros a month in capital-forming benefits (VL) for their trainees and employees in addition to their salary. In addition, there is an employee savings allowance of up to 80 euros per year from the state - for VL equity funds and depending on income and marital status. With no other investment of your capital-building benefits will you receive a higher state subsidy!

Freely available after 7 years

You can freely dispose of your savings amount and the state allowance after the 7-year term. These 7 years are divided into a 6-year payment-in phase and the subsequent rest phase, which ends on 31 December of the 7th year. Tip: After the 6-year payment-in phase, you can already pay into the next VL contract and thus build up long-term assets.

Precious metal savings - the brilliant investment

With fine gold, silver, platinum and palladium, you can invest in four precious metals that are considered comparatively crisis-proof. You invest in real tangible assets and can help to diversify and spread the risk of your investment.

Investing in precious metals can offer attractive potential returns depending on the market situation and the economy. However, it is also associated with price risks, comparable to fluctuations in securities on the capital market. If paper money loses value due to high inflation, sought-after precious metals such as gold, silver, platinum and palladium are regarded as a stable value, similar to property. 

The advantages of the cost-average effect also come into play with regular precious metal savings.