Smart Wealth Building

Based on your goals, your money is invested in equity and bond ETFs, as well as ETCs, and rebalanced according to market developments and your investment horizon. This way, you benefit from attractive market opportunities while avoiding unnecessary risks.

Learn more about our investment approach here.

Your froots portfolio includes ETFs, but that’s where the similarities end.

We follow an active/passive approach, combining the best of both worlds:

Active management – We carefully select ETFs based on our proven investment strategy and adjust their weighting to manage risk. As you get closer to your investment goal, we shift towards more stable assets.

Passive investment products – We use ETFs for cost-efficient diversification, investing in stocks, bonds, and commodities like gold. Our systematic approach eliminates human error in investment decisions.

Unlike a standard ETF savings plan, froots actively manages your portfolio and provides personalized support—online or at our office in Vienna.

We charge an all-in fee of 0.7% to a maximum of 1% per year, billed quarterly. This covers everything—from account management and portfolio management to transactions.

The only additional costs are:

ETF & ETC product fees (approx. 0.17% p.a. on average)

Capital gains tax, which is automatically deducted

We believe in full transparency—see our detailed pricing and FAQs here.

Yes, investing on your own can be cheaper—if you don’t factor in opportunity costs. But cost isn’t just about fees. It also includes:

Emotional investment mistakes that could impact returns

Time spent researching, monitoring, and adjusting your portfolio

Stress during volatile market phases

Our view is simple:

If you’re confident in your investment skills, enjoy tracking markets, and find decision-making under uncertainty exciting, managing your own portfolio might be the right choice.

For everyone else, a professional investment service saves time, reduces stress, and optimizes performance. And when it comes to managed investing in Austria, we believe froots is the best choice.

Yes, the capital gains tax is automatically deducted for Austrian tax residents.

froots is ideal for anyone looking to reassess and optimize their current investment situation.

Our portfolio management service is accessible without significant entry barriers. You can start with a savings plan from €75 per month or a one-time investment of €1,500.

Selected services, such as analyzing your existing portfolio or assistance with transferring existing investment accounts to froots, are available starting from €50,000. Learn more about these services here.

With our return calculator, you can explore different growth scenarios and see potential outcomes for your investment.

Please keep in mind the important notes on interpreting the results, as past performance does not guarantee future returns.

Am I tied to froots?

No, froots gives you complete flexibility—you’re never locked in.

Withdraw anytime – Your money can be transferred back to your account within a few business days.

Close your account for free – No hidden fees, no commitments.

Adjust or pause your savings plan – Modify it anytime to fit your needs.

Create additional portfolios – Set up separate accounts, e.g., for your children, or adjust your investment horizon as your financial goals evolve.

With froots, your investment adapts to your life—not the other way around.

How secure is my money with froots?

Security is everything—especially when it comes to your money. There are two key aspects to consider:

1) Investment risk and market fluctuations

Investing always comes with risks, such as market volatility. Our proven investment approach aims to deliver attractive returns while balancing risk according to your personal preferences. If you’d like to learn more, feel free to schedule a personal consultation.

2) What happens if froots or our partner bank ceases to exist?

In the unlikely event that something happens to froots, you only lose your portfolio manager—your money remains secure.

Your investments are held in your name at our Austrian partner bank, Schelhammer Capital Bank. You can access or withdraw your funds at any time.

Even in the highly unlikely case of our partner bank going bankrupt, your securities remain separate from the bank’s assets and always belong to you.

For more details, check out our security information page.

Of course! You can book your information session either online or in person at our Vienna office, conveniently located near Stephansplatz on Rauhensteingasse

You can book an appointment here.

We are an independent wealth manager, not a bank.

This means that your portfolio is not held directly by us, but by our partner bank, Schelhammer Capital Bank, and is only managed by us.

We believe that in the 21st century, no one should have to compromise when it comes to investing. Unlike some banks, froots offers you these advantages:

Full Independence: Our investment approach eliminates conflicts of interest. We don’t include expensive in-house products in your portfolio, only products that stand out in an objective selection process. Learn more here.

Tailored Solutions with Personal Service: Typically, bespoke solutions and personal service are only available in private banking and are accessible only to very wealthy individuals. With froots, you can have your money managed in a way that fits your life, without high entry barriers.

Full Flexibility - No Binding Commitments: You’re never locked in with froots. You can make deposits or withdrawals at any time, without transaction fees, or adjust your investment strategy to reflect new priorities in your life (e.g., buying a house, having children, parental leave, inheritance, or gifts).

Full Transparency: In your client portal, you can always see how we’re managing your investments and what fees apply. We have nothing to hide when it comes to our terms. Learn more here.

froots was founded in 2020 by David Mayer-Heinisch and Dirk van Wassenaer, with Andreas Treichl, former CEO of ERSTE Group, as the seed-investor.

Today, froots has a team of 20+ experts dedicated to making investing simple and accessible.

Learn more about our mission here.