Return Calculator
Find out how your savings could develop over the years with froots. The orange line comes from you. We'll take care of the rest.
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EUR
Ohne eine Einmalzahlung von mind. 1500 EUR liegt das Minimum für einen monatlichen Sparplan bei 150 EUR.
Disclaimer: The return calculations provided by the calculator are based on assumptions derived from historical values (see the info icon at the top right of the calculator). Past performance is not a guarantee of future results. Actual returns may vary significantly from these estimates. Intermittent fluctuations in value are to be expected due to investments in capital markets.
Performance of Different Asset Classes Since 1801. The data presented here is general in nature. It is not tailored to the individual needs, knowledge, or risk tolerance of any investor. Past performance is not a reliable indicator of future results. Source: Jeremy Siegel-Stocks for the long run, froots Research
Why it Makes Sense to Invest Long-Term.
If you don't invest, you rely on bank savings interest. These are almost always significantly below annual inflation. This means your money loses value year after year.
Despite market fluctuations, investing long-term has always paid off historically.
Every investment carries risks as well as opportunities. At froots, you get a globally diversified investment portfolio tailored to your risk/reward preferences, actively managed to suit your needs.
How Your Investment Horizon Affects Your froots Portfolio
Every investment account combines two strategies, long-term growth and wealth preservation. This way we can accept volatility as long as its beneficial and phase it out before it becomes a risk.
This is how your portfolio would have developed with us.
Despite turbulent times, froots has managed to achieve attractive returns.
*We started to invest in September 2019. Performance of 2024 until end of Q2.
Customer Testimonials
Luna Medina
★ ★ ★ ★ ★
This is a great product. It’s easy to use and so necessary for those of us who are financially dislexic!
Beatrice Tourou
★ ★ ★ ★ ★
I have been looking for an alternative to a savings account for a long time, and I found it with Froots! Great in-person consultation!
Moritz Isola
★ ★ ★ ★ ★
Finally moving away from the savings account! Froots has a great team and guides you perfectly and effortlessly through the onboarding process!
Andrea Prinz
★ ★ ★ ★ ★
I actually waited far too long to do something with my savings. I'm now happy that I don't have to invest myself, but instead, experts are taking care of it.
Anna Zimm
★ ★ ★ ★ ★
I’ve been avoiding the topic of investing for a long time because I didn’t know much about it and found it too opaque. I’m so glad to have entrusted this matter to froots in such competent hands!!!
Mike Kottu
★ ★ ★ ★ ★
ETFs are not new to me; I've been investing in them for several years. However, I’m now leaving it to froots because they have a better handle on the market, allowing me to focus on other things. Thank you for your work :)
Larissa Ma
★ ★ ★ ★ ★
Very friendly and knowledgeable team – excellent, detailed, and easy-to-understand advice directly from the CEO. The way froots works was well explained, and the costs for me as an investor were clearly outlined. I especially liked the option to easily and quickly adjust my savings plans.
Michael K.
★ ★ ★ ★ ★
Super professional and personal. Even with smaller investments, you are treated excellently and everything is explained very transparently. All costs are absolutely manageable, and you don't need any expertise. You can also start with smaller amounts.
Dario Gröbner
★ ★ ★ ★ ★
I've been with Froots (asset management) for (almost) a year now and I am absolutely satisfied so far [...] All in all, it's a simple and convenient alternative for investing if you don't want to spend time analyzing the financial market yourself.
Regina Siska
★ ★ ★ ★ ★
I did a lot of comparing. With froots, the price-performance ratio is just right. I can highly recommend their services!
Frequently Asked Questions about the Return Calculator
Have all fees already been deducted?
Yes, all fees and costs have been deducted in the calculation.
How reliable is the return calculator?
The data in the calculator is based on conservative representative index data from the past 50 years, after accounting for our fees and product costs. For "Growth-Oriented," we project a 6.5% return; for "Balanced," a 5% return; and for "Conservative," a 4% return. The five lines represent weak (5th percentile/Light Gold), below-average (20th percentile/Gold), average (50th percentile/Petrol), above-average (80th percentile/Blue), and excellent (95th percentile/Light Blue) performance. There is a low probability that performance will fall outside these lines. Past performance is not a guarantee of future results. Actual returns may differ significantly from estimates.
What do "Conservative," "Balanced," and "Growth-Oriented" mean?
These are risk/reward profiles.
While everyone ideally wants to achieve the highest returns, people have varying tolerances for risk with their money.
When you start with froots, we ask a few questions to determine which risk/reward profile suits you and create a portfolio that matches your preferences.
What are the minimum investments required to start with froots?
The calculator is based on our current minimum investment amounts.
With a savings plan, you can start with froots from €75 per month. Without a savings plan, the minimum initial deposit is €1,500.
How does a froots savings plan differ from an ETF savings plan?
Instead of a rigid, one-size-fits-all plan, froots offers an ETF portfolio that is tailored to you and actively managed.
We use an active/passive approach to build your portfolio based on your personal goals, combining the best of both worlds.
ACTIVE: We personally select the investment products based on scientific research and our extensive experience, then actively manage your portfolio to minimize unnecessary risks. For example, we adjust the asset allocation according to your remaining investment horizon. As you near your investment goal, we shift your portfolio towards less volatile assets.
PASSIVE: The products we select are always passive. We use ETFs to invest diversely and cost-effectively in the financial markets, including bonds, stocks, and commodities like gold. Our decisions on when to invest in which products are driven by an algorithm, minimizing the risk of human error.
As part of our investment service, we offer personal information sessions, and you can always reach out to us. We're available online and at our office in Vienna.
Can I start with froots without a savings plan?
Yes, absolutely. You can open a froots account with an initial investment of €1,500. You can flexibly invest more at any time or start a savings plan later in the same or another account if needed.