Scalable Capital review and test 2023

Scalable Capital review and test 2023

A provider who scores points by managing the customer’s assets in such a way that the customer will make a profit in the end? This may seem strange at first, but it can certainly be recommended when it comes to Scalable Capital. If you look at the Scalable Capital experience, you will notice relatively quickly that the provider has probably already created a large fan base for itself. But is the online broker still convincing after an extensive Scalable Capital test or do the first weaknesses become visible when you look behind the scenes?

Scalable Capital is a neo-broker with automated asset management, but it is also possible to trade shares, funds and ETFs manually with Scalable Capital. This means that, on the one hand, trading is carried out with a Scalable Capital Robo Advisor, which then uses state-of-the-art risk management technology to ensure that the money is managed with the intention of increasing assets. An ETF portfolio is available that not only adapts to the client’s investment goals, but also takes into account risk tolerance. For example, the provider provides 23 risk categories so that individual risk affinity can be easily taken into account. On the other hand, you can also become active manually via the Scalable Capital Broker and, thanks to the trading flat rate, you don’t have to worry about high costs.

Scalable Capital, founded in 2014, is based in Munich, but scores not only with a wide range of products, but also with a very well-structured website. So when you go to the homepage of Scalable Capital, you won’t have any difficulties – no matter what you’re looking for. The Scalable Capital experience shows that even beginners have no difficulties here. This is because Scalable Capital has created a site that has been built logically and comprehensibly. In addition, you will be offered a Scalable Capital App, which also offers good handling.

For the final Scalable Capital valuation, this can only be a plus. Above all, because it is sometimes not so easy to offer the offer provided here by Scalable Capital in simple words. And the provider has succeeded in doing so – this is proven by the Scalable Capital Test as well as the many Scalable Capital testimonials that can be found on the Internet.

The Scalable Capital Test shows that ten questions have to be answered in the course of registration, which then deal with the financial viability, risk tolerance as well as the experience and level of knowledge regarding finances. The so-called Securities Trading Act Sheet – WpHG – is used because Scalable Capital is an asset manager regulated by BaFin – the Federal Financial Supervisory Authority. And at this point, this is the first and clear indication that Scalable Capital is reputable.

If the customer has answered the questions truthfully, Scalable Capital subsequently determines the risk class. After that, the question is whether a one-time payment should be made (minimum amount: 10,000 euros) or whether you would rather open a Scalable Capital savings plan. The Scalable Capital experience shows that the registration only takes a few minutes and Scalable Capital makes an excellent assessment or makes sure that the investor actually falls into his desired risk class. The Scalable Capital Test has also shown that you don’t have to worry about this.

The investment strategies presented by Scalable Capital are the same for all available portfolios, including the Scalable Capital testimonials. This is because the risk is not always in the range of market risk, but is dynamically controlled so that the investor’s risk capacity and risk appetite can be easily addressed. The fact that Scalable Capital offers 23 risk categories may also have a positive impact on the Scalable Capital rating. Because here you can actually respond to your individual preferences or Scalable Capital can easily take individual wishes into account.

The measure of risk used here? Value at Risk – VaR for short. This means that Scalable Capital deals with how high the maximum annual loss may be; here the information is given as a percentage. The maximum annual loss is then not exceeded by 95 percent. And if you follow the Scalable Capital experience, then this is actually true.

If you opt for a VaR (Value at Risk) of 15 percent, this means that 95 percent of the annual loss remains below 15 percent. Even if the tactic cannot be compared with other providers, Scalable Capital’s experience shows that it works completely. This is mainly due to the fact that the risk requirements are meticulously adhered to.

By the way, investments are made in ETFs – and there are 17 available here. These are reviewed at regular intervals and sometimes replaced by better ETFs, if one comes to the conclusion that one or the other ETF no longer brings the desired success. On the basis of portfolio risks, an optimal weighting is created here, which consists of bonds, real estate such as equities, commodities and overnight money. Regarding interest and dividends: Scalable Capital reinvests – that is, additional profits are automatically reinvested, so that there is a kind of compound interest effect.

The Scalable Capital Test shows that the different risk classes are addressed individually and that they always try to adhere to the customer’s specifications. And in the end with success – this is also proven by the Scalable Capital experience.

If you look at the returns that have been achieved since 2016, you will probably be surprised at the profits that have already been possible here:

• Value at Risk 20 percent to VaR 25 percent: return between 15 percent and 18 percent
• Value at Risk 10 percent to VaR 19 percent: return between 15 percent and 17 percent
• Value at Risk 5 percent to VaR 9 percent: return between 8 percent and 15 percent

Of course, the composition of the portfolio depends on the investor’s risk requirements. In the end, Scalable Capital meets the requirements 100 percent; this was not only proven by the Scalable Capital Test, but also by many Scalable Capital experiences. Thus, this can very well be used for a positive scalable capital valuation.

The portfolio in the Scalable Capital Test:

If you are planning to open a savings plan, you can become active here from as little as 1 euro. Simply use the Scalable Capital login, call up the desired asset, and you can start investing. The search for the asset is possible without any problems – simply enter the share or ETF in the given search field, you will be redirected and can then “set up the savings plan”. There are no Scalable Capital testimonials that talk about having difficulties here – and there were no problems in the course of the Scalable Capital test.

It should be noted that the savings plans can be executed on nine different days. Scalable Capital offers the 1st, 4th, 7th, 10th, 13th, 16th, 19th, 22nd and 25th of a month.

However, you can also have a one-off sum invested. It should be noted, however, that a minimum sum of 10,000 euros must be invested here.

The Scalable Capital experience shows that the savings plans go in the direction of beginners since you do not need a minimum savings rate here either, the one-time investment, so that Scalable Capital then carries out the automated management, is recommended to more experienced traders as well as professionals – this is also underpinned by the minimum deposit, which is 10,000 euros.

In the course of the Scalable Capital Test, we are of course primarily concerned with the passive investment offered. Ultimately, Scalable Capital’s experience also shows that Scalable Capital has taken a new path here in order to win new customers who are not looking for a classic online broker but want a bit of a special program. The Scalable Capital offer test shows that there is a special program here.

The provider provides the possibility of passive investment, whereby dynamic risk management technologies are advertised here. This means – and this is also proven by the Scalable Capital Test – that it is not a matter of bringing the portfolios of the users to rigid weights at certain intervals, so that the equity component remains at 60 percent and the proportion of bonds is always at 40 percent, but one also tries to take into account the market environment. This means that it is always a matter of ensuring that the customer’s risk behavior, as stated at the beginning, is always adhered to. The Scalable Capital experience shows that the provider succeeds in doing so, even if, for example, there is no Scalable Capital CFD trading. This is because the portfolios are managed individually – there is no bundling in model portfolios. This is also the reason why the Scalable Capital testimonials are predominantly positive, as excellent results can be achieved with this strategy. Of course, this may speak for a positive Scalable Capital valuation.

The provider checks at regular intervals how the current risk actually works. If the forecast shows that the potential for loss has increased, an automatic reallocation to other asset classes is carried out, which – according to the forecasts – is less risky. If, on the other hand, there is a quiet market phase, then there is a shift back to asset classes that can bring a few more opportunities. Scalable Capital day trading, which is a good choice for many strategies, could also be interesting.

The following section highlights the possibility of manual use and has nothing to do with automated investment. The Scalable Capital Test shows that when using the manual offer, three fee models are offered – that is, the Scalable Capital costs are based on three different tariffs, which must be examined in advance in order to be able to find the right model for you.

Scalable Capital offers the following models:

• FREE Broker
• PRIME Broker
• PRIME Broker Flex

FREE Broker is a fee model that stipulates that there are fees of 0.99 euros per trade Scalable Capital. However, all 600 ETFs of the PRIME partners – including Xtrackers, Invesco and iShares – are excluded. For trades from 250 euros, these are permanently possible without order fees; with the partners you can reduce scalable capital costs. A savings plan is free of charge.

At PRIME Broker, customers are offered a trading flat rate. From an order value of 250 euros, unlimited trading takes place; Scalable Capital’s experience shows that there are no further order fees to be paid here, no matter which asset is used. It should be noted that the trading flat rate or PRIME broker thus causes a monthly Scalable Capital fee of 2.99 euros, provided that you opt for the annual payment method (35.88 euros/year).

There are also positive Scalable Capital testimonials about PRIME Broker Flex. This is where the advantages of PRIME Broker are available, but with flexible monthly payment – the Scalable Capital fee is 4.99 euros per month.

Further scalable capital costs arise from order executions via Xetra: Each client has to pay 3.99 euros per trade – the trading fee is 0.01 percent of the order volume, with the minimum fee being 1.50 euros. Other scalable capital fees, for example in the area of custody account management or third-party costs, are not charged – the scalable capital costs therefore remain low.

Scalable Capital Test: No variety in deposit options

In some Scalable Capital testimonials you can find the desire that more payment options should be accepted. This is because Scalable Capital only accepts the classic deposit via bank transfer. You can also apply for a SEPA direct debit so that the amount is collected automatically – for example, when opening a savings plan or Scalable Capital crypto.

Is that already too little today when other providers allow credit card payments and eWallets? For the final Scalable Capital valuation, the lack of breadth of deposit methods may not have much of an impact. This is because the Scalable Capital deposit by bank transfer offers a variant that every trader can use. However, there is no plus point for the Scalable Capital valuation. The Scalable Capital payout can also be requested in this form, so that a secure and simple payment method provides a good basis.

The Scalable Capital shows that there are various ways to contact us. For example, it is possible to contact employees by e-mail or telephone hotline. The Scalable Capital experience is also about a large FAQ area, which is very extensive. Among other things, information about the Scalable Capital free share or Scalable Capital discount codes is provided here.

A live chat would be desirable, but does not tarnish the overall appearance on this issue; For the Scalable Capital valuation, it may not matter much that the live chat is missing, because a hotline is available to be able to contact the employees immediately. Even if you have any questions about the Scalable Capital tax, you will receive valuable information from customer service and can thus take advantage of tax-free income.

As mentioned earlier, Scalable Capital is reputable. Why? Because the provider is regulated by the German Federal Financial Supervisory Authority.

Florian Prucker and Erik Poduzweit, the two managing directors of Scalable Capital, together with Stefan Mittnik, the scientific advisory board, founded the asset manager and broker respectively. The fact that Mittnik is also a professor of finance and also director of the Center for Quantiative Risk Analysis at the Ludwig Maximilian University in Munich may also be seen as an advantage. In addition, with Prucker, there is a man in the team who has been active in the financial industry for around a decade – for example at Goldman Sachs.

Scalable Capital Vermögensverwaltung GmbH is a financial services institution. With regard to deposit insurance, the upper limit of 100,000 euros/customer applies. However, Scalable Capital is also a member of EdW – the compensation scheme for securities trading companies. The amount of compensation is therefore 90 percent of the sum claimed, up to a maximum of 20,000 euros/investor.

There is no Scalable Capital experience that is about worrying when it comes to taking advantage of Scalable Capital’s offer.

It should be noted that there is no Scalable Capital demo account. This is probably due to the fact that Scalable Capital is not a classic online broker. Due to the fact that there is no Scalable Capital demo account, the savings must be invested immediately. If this does not suit you, you can of course cancel the Scalable Capital account at any time.

Stock Trading Offer: A Look at the ETF

The supply of stocks may be compelling. As already mentioned, automated investing involves investing in certain ETFs – so here it is important to take a look at the content in advance, i.e. which stocks are included. However, you can also invest manually in funds, stocks and/or ETFs yourself.

The Scalable Capital costs depend on the selected fee model

Scalable Capital scores with fair trading conditions and tries to present them as transparently as possible.

The Scalable Capital Test shows that there is a corresponding selection of stocks; this may be a clear plus point for the Scalable Capital valuation.

Stock Trading Offer: A Look at the ETF

The supply of stocks may be compelling. As already mentioned, automated investing involves investing in certain ETFs – so here it is important to take a look at the content in advance, i.e. which stocks are included. However, you can also invest manually in funds, stocks and/or ETFs yourself.

The Scalable Capital costs depend on the selected fee model

Scalable Capital scores with fair trading conditions and tries to present them as transparently as possible.

The Scalable Capital Test shows that there is a corresponding selection of stocks; this may be a clear plus point for the Scalable Capital valuation.

In the end, all that remains to be said is that Scalable Capital convinces. There is therefore a clear positive Scalable Capital assessment. The fact that there is no Scalable Capital demo account does not have to be negative, as the business model would ultimately not justify such an account at all. Especially the trading flat rate (included in the Prime Broker model) made up some plus points here.

The Scalable Capital Test, in conjunction with the Scalable Capital experience, has shown that it is a recommendable provider among neo-brokers who does not pursue an 0815 business model, but has taken other paths here.