Gerd Kommer Capital

finvesto

Finvesto is a German digital brokerage platform offering self-directed securities trading, ETF savings plans, and robo-advisory portfolios. All services are delivered online through its proprietary web and mobile apps; account opening, order placement, and portfolio monitoring are fully digital. The pricing model is mid-range: €4.90–€9.90 flat fee per stock trade, 0.20 %–0.45 % p.a. all-in fee for managed portfolios, and ETF savings plans from €1 per execution with no front-end load. The broker is owned by Donner & Reuschel, a 225-year-old Hamburg private bank, giving it a banking license and deposit-protection umbrella rare among German fintechs. Its robo-advisor automatically invests in 5–25 ETFs while offering free daily liquidity, and customers can switch between self-trading and automated management within the same account. A standout feature is the “Finvesto Akademie,” an integrated education hub with live webinars and DIIA-certified courses included at no extra cost. Core users are 25–50-year-old German residents who want bank-grade security without branch visits and prefer transparent, flat-fee pricing over percentage-of-assets models. They value long-term ETF compounding, ESG-screened portfolios, and the flexibility to trade individual stocks when opportunities arise. The brand speaks to time-pressed professionals who equate financial independence with disciplined, low-cost investing rather than speculative trading. Finvesto competes with both neo-brokers that lure users via zero-commission hype and incumbent banks that push percentage-based advisory contracts. It differentiates by combining a full banking license, flat-fee transparency, and hybrid self-directed/robo functionality in one interface, positioning itself as the midpoint between cut-price apps and high-touch private banks.

Banking security meets flat-fee clarity, no branch required

Kommunalkreditinvest

Kommunalkreditinvest ist ein Finanzdienstleister, der sich auf kommunale Kredit- und Investitionslösungen spezialisiert.

Kommunale Träume finanzieren, nachhaltig wachsen, Zukunft gestalten

Fonds Super Markt

Plattform für Investmentfonds-Supermarkt mit Zugang zu einer breiten Palette von Investmentfonds und Portfoliomanagement.

Alle Fonds an einem Ort, dein Portfolio im Griff

quirion

Quirion ist eine digitale Finanzberatungs- und Robo-Advisor-Plattform, die automatisierte Anlage- und Vermögensmanagement-Dienstleistungen anbietet. Die Marke zeichnet sich durch die Bereitstellung von algorithmisch gesteuerten Finanzplanungslösungen aus.

Intelligente Geldanlage, die sich selbst um dein Vermögen kümmert

Letsinvest

Letsinvest is an EU-licensed crowdfunding platform that packages buy-to-let residential properties into fractional shares starting at €100. The site lists pre-vetted apartments and houses in Germany, the Netherlands and the Baltic states, grouped into “Bundles” (budget, €100-€500 per share) and single-asset “Premium” listings (mid-range, €500-€2,000 per share). All investing, KYC and portfolio tracking are handled online; no physical branches or brokers are used. The company turns landlords into micro-REITs within 30 days, offers immediate rental yield distributions, and provides a secondary market where investors can resell shares after a 12-month lock-up. Every property is insured, renovated and already tenanted before listing, giving buyers day-one cash flow without management duties. Its best-known products are the “German Residential Bundle” and “Tallinn Cash-Flow Series,” which have historically delivered 6-8 % net annual yields. Core users are 25-45-year-old EU residents who want property exposure but lack the capital or credit for a full down-payment. They value transparency—monthly dashboards show rent collected, expenses and occupancy—and prefer passive income that beats low bank deposit rates. The brand speaks to mobile, digital-first savers who distrust volatile crypto yet find ETFs too abstract. Letsinvest competes with both equity-crowdfunding sites and old-school buy-to-let by combining low entry tickets with hard-asset security. Unlike open-ended property funds it charges no management fee, only a 2 % entry spread and 20 % performance cut on exit, aligning its upside with investors.

Own European property, collect rent, never manage tenants

Coinpanion

Eine digitale Kryptowährungs- oder Investitionsplattform, die digitale Vermögensverwaltung und Finanzdienstleistungen anbietet.

Dein digitales Vermögen wächst, während du schläfst

zinsbaustein

Zinsbaustein ist eine deutsche digitale Investitionsplattform, die Immobilien-Crowdfunding und alternative Investitionsmöglichkeiten für Privatanleger anbietet.

Immobilien-Investitionen für alle, einfach digital und transparent

Enki Institut

ENKI Institut sells small-batch, research-grade skincare actives and professional-use devices that target pigmentation, barrier repair and collagen renewal. Price points sit in the mid-to-premium tier: single serums €55-€90, clinical pens and masks €240-€420. Everything is released in limited drops and sold exclusively through the house e-commerce site, with no third-party retailers or marketplaces. The lab’s identity rests on its “post-cosmetic” philosophy: formulas are built around unpublished in-vivo data from the affiliated ENKI derm-science group, then stability-tested at 40 °C for 90 days before release. Best-known SKUs include the 0.3 % iso-quercitrin “Photon” serum that suppresses UV-induced pigmentation without cytotoxicity, and the cordless 1072 nm LED “LumaPen” used by EU med-spas for post-laser healing. Every box carries a QR code linking to the exact assay sheet of the batch inside. Core buyers are licensed estheticians and ingredient-educated consumers aged 28-45 who track dermatology journals and Reddit skincare forums; 68 % of site traffic arrives from mobile devices during journal-club hours (20:00-23:00 CET). They value open data, medical co-authorships and the ability to replicate clinic results at home without prescription drugs. ENKI competes in the narrow space between mass “clinical” brands and venture-backed biotech start-ups by keeping volumes artisanal and publishing negative trial results alongside positive ones. Where rivals chase viral actives, ENKI limits each molecule to one SKU, maintains GMP pharmaceutical production, and offers a 30-day money-back guarantee contingent on submitting pre/post corneometer readings—turning compliance into a citizen-science dataset that feeds the next formulation cycle.

Data-backed formulas that actually let you see the science

• Handgemacht