Smavesto invests for me

Saving is a thing of the past

Our robo-advisor manages your investments for you.


If you invest your money with Smavesto, you won’t
need to keep regularly checking your portfolio yourself.
Smavesto will take care of it for you. Smavesto’s AI-based
technology, which was previously only available to large
investors, responds automatically to developments on
the market based on your investment criteria and goals.
Your portfolio is regularly restructured and reinvested
in a way that’s transparent and maximally tailored to
your needs. Meaning you have time to focus on your
professional or personal goals without constantly
needing to check on the stock markets.


The heart of Smavesto is a self-learning algorithm that
our partner GET Capital has been using successfully for
years. The algorithm’s systems analyse large volumes of
online price data over time so as to produce estimates
of current risks and opportunities on various capital
For Smavesto, a rate-of-return calculator was developed
based on machine learning methods. It can be used to
predict trends on capital markets over various periods
of time. Smavesto continuously optimises your portfolio
using the latest market analysis results.

Smavesto is Individually tailored

We know your circumstances are as individual as you are. Whether you have a large sum free to invest or need to be a little more financially prudent at the moment, you can decide whether you want to make a one-off investment (min. €1,000) or if you’d simply like to top up your portfolio by an amount of your choice each month (min. €50). Or a mix of both. With Smavesto, you have complete flexibility over how much to invest and how it’s invested. Enter your risk profile, expected return and ESG criteria, and you’ll get a Smavesto portfolio that’s individually tailored to you. Read on to learn more about how Smavesto works.

Smavesto is Convenient

It takes a lot of time to put together and monitor a balanced ETF and ETC (exchange-traded funds and commodities) portfolio. Smavesto simplifies the process and manages your investments on an ongoing basis.
  • Quick and easy registration process
  • Fully automated portfolio creation based on your individual requirements
  • Powerful algorithm constantly monitors your portfolio and restructures it if necessary
  • All decisions by the algorithm are reviewed for plausibility by an experienced portfolio manager
  • 24-hour customer service

Smavesto also Allows you to invest sustainably

Profit and sustainability are perfectly compatible. With Smavesto, you can choose to invest in line with strict ESG criteria. That means Smavesto will choose investments for you that are environmentally, socially and ethically responsible.
  • Compliance with strict ESG criteria ensures sustainable investment.
  • You can also choose not to invest in emerging markets or foreign currencies.
  • Smavesto’s processes are almost entirely paperless.

Smavesto also builds your wealth

Needless to say, investment is more fun when it’s profitable. There are many reasons why you might want to build your wealth – for your retirement, for big purchases, for financial security.
Smavesto is a cutting-edge strategy for making more out of your existing money.
  • Our algorithm harnesses the dynamism of the market to generate yields that outperform current interest rates.
  • No minimum terms or notice periods. However experience shows that longer-term investments have a higher return.
  • Check your portfolio at any time on your browser or in the app
  • Make deposits and withdrawals at any time* free of charge
  • Get started from just €50 per month or a one-off deposit of €1,000
* Processing time: three to five working days

How to get started

  • In the app or on

    It couldn’t be easier to get started with Smavesto: enter the amount you want to invest, choose your risk profile and select suitable investment products. Then you create an account and we’ll verify your identity using the incredibly straightforward WebID process.

  • Enter the amount

    Decide how much you want to invest – either a one-off investment starting at €1,000 or a monthly payment starting at €50.

  • Choose your risk profile

    Smavesto will create your portfolio using stocks that are subject to market fluctuations. A graph will show you the risks and opportunities associated with each risk profile. It’s up to you what level of risk you feel comfortable with.

  • Configure your individual settings

    You can decide whether to only include sustainable investment products in your portfolio, and whether or not you want to invest in foreign currencies and emerging markets.

  • Registration with WebID

    After you create your personal account, we simply need to verify your identity using WebID. All you’ll need is a webcam and your personal ID.

Risk note

Investing in capital markets is associated with risks and can lead to the complete loss of the invested assets. Further information can be found at


Please note that furhter information and contracts are only available in German. 

Responsible for content:

Smavesto GmbH · Universitätsallee 14 · 28359 Bremen · Germany.
Investing using a digital asset manager is subject to risk. Before investing your money, please read our risk guidance at


Commercial register court: Amtsgericht Bremen, HRB 32644
Management: Thorsten Roth, Patrick Paech


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