ETF-savings plan 2.0

Investing is the new saving

At froots you don't have to be an investment pro to invest like one. You just need to open your account; we take care of the rest.

Known from

In the long run, investing has always made sense

In the long run, investing has always worked to protect against inflation. By combining the right mix of asset classes one can optimise the relationship between risk and returns.

Past performance is no indicator for future returns.

The benefits of a froots ETF savings plan

Experts behind the steering wheel

Our investment committee has over 50 years of experience in asset management and has managed billions for sovereign wealth funds and billionaires around the world.

Tailored to your life

We tailor a well-diversified ETF portfolio to your life and investment objectives, and actively adjust it according to your changing life situation.

Everything on Autopilot

Our team of experts takes care of everything. All investment decisions, opening of your personal investment account and tax filing are all taken care of by froots.

Safety of an Austrian bank

In the unlikely case that something would happen to froots or our partnerbank, your investments will always be safe, independent of their value. Additionally, you will always have access to your money.

Full Flexibility

You can always pause, adjust or withdrawal from your savings plan, and closing your account is possible at any time and free of cost.

Personal Service and Advice

You are always welcome for personal advice, even if you aren’t a client yet. This can be online, over the phone, or physically in our office in Vienna.

Anna C., 37

Art historian

If I had known investing was this easy, I would have started a long time ago. Thank you froots.

Odilia N., 32


It's great that you guys offer informational interviews. When you're not sure what you want, it's invaluable.

Rudi L., 34

Marketing manager

With you, it's easy to see that you really do it for the people. You're more authentic, more committed and more honest than anyone else.

Jorg B., 55

Managing Director

Great support, great investment approach. I feel in good hands with you guys. Please keep it up!

Regina S., 32

Product manager

I have compared a lot. With froots, the price-performance ratio is simply right.

Max B., 35

Management Consultant

ETFs are not new to me, I have been investing like this for several years. But now I leave it to froots, because they have a better overview of the market and I can take care of other things.

Barbara M., 43


Actually, I waited far too long to do something with my savings. I'm now happy that I don't have to invest it myself, but that experts are now taking care of it.

Dirk W., 69


I had been looking for an alternative to my expensive investment products for quite some time. With froots I know that my money is in good hands.

How it works

Define your profile in a few minutes

In the first step, we would like to get to know you and your current situation better. This includes the creation of a risk profile through a short online process.

Receive a tailored investment proposal

Based on your profile, you get a first glance at what your portfolio would look like. Possible details on savings plans and durations can be adjusted at any time afterwards.

We open an account in your name

An investment account will be opened in your name at our Austrian partner bank, Schelhammer Capital Bank. Monthly savings plans can automatically be deducted from your savings account, and paused or adjusted by you at any time.

froots takes care of everything

You will only have to stick to your savingsplan, froots takes care of the rest. We will actively monitor your investment account, with the single aim to reach the objectives that you invest for. You are always welcome with questions regarding your portfolio or anything else.

How froots compares to other savings plans

Online Broker
Classical bank
Active management by experts
Personal advice and service
100% independent product selection
100% personalized
Physical office in Vienna
Attractively priced
Tax optimized, Austrian bank account

What differentiates froots from other ETF-savings plans

Tailored to your personal situation

We don’t believe in one size fits all. Based on your situation and objectives, we independently select a well-diversified ETF portfolio that suits you.

Continuous adjustment to your time horizon

Over time, we continuously adjust your portfolio to keep the right risk/reward ratio for your investment horizon.

Flexibel & Transparent

You can adjust, pause or even stop your savings rates at any time via our froots customer portal. In addition, you have access to your money at any time. With our all-in fee of 1% per year, we not only ensure attractive conditions, but also 100% transparency.

Personal advice and service

You can always contact us if you need advice or service on your investments. We are here for you online and in our office in Vienna.

Patrick, 39

Invest with experts

Patrick is deeply involved in finance and has been investing in several ETFs. However, with the market developments of the last few months, he has noticed that he has become more uncertain whether he has always made the right decisions. With froots, he has found a partner that offers professional portfolio management, independently selects the best ETFs worldwide, and has a transparent cost structure.

Anna, 37

Start small

Anna started saving for an ETF recommended by her husband some time ago. However, she was never sure if it was the right thing for her and also has too little time to deal with it sufficiently. With froots, she now has the opportunity to invest the same, small amounts in a broadly diversified ETF portfolio that also suits her conservative attitude to risk.

Dirk, 69

Savings plan for grandchildren

Dirk set up two savings plans for his grandchildren at his local bank a few years ago. However, he is not satisfied with the costs, the support or the performance. The low costs and personal service at froots now make it easy for him to build up a long-term financial cushion for his grandchildren. In addition, he can flexibly adjust the savings plans at any time and keep track of everything.

Elisabeth, 25

Start now

Elisabeth wants to build up a financial nest egg for the long term, but has far too little experience to take care of it herself. She has heard a lot about ETFs, but has never really started investing. With froots she can now simply open a custody account and leave the ETF selection to experts. It caters to her risk tolerance and personal goals without requiring her to make a long-term commitment.

This is how our portfolios developed

Despite turbulent times, froots has managed to achieve solid returns.


*We have been investing according to our investment approach since September 2019, performance 2024 until end Q2.

We think you'll find this interesting...

What is froots and how does the investing process work there exactly?

froots is an Austrian securities company that offers personalized investing. We create a customized investment strategy for you and invest your money in a diversified portfolio of ETFs. You can track the progress online, and we take care of the tax processing.

How much risk am I taking with froots?

At froots, we place great emphasis on actively managing risk and tailoring it to your personal risk tolerance. We consider your investment horizon and risk appetite to create a customized investment strategy for you.

What does froots do differently from when I invest on my own?

  1. Continuous Portfolio Adjustment: The portfolio is continuously adjusted to the changing global economy to achieve optimal returns.
  2. Emotion-Free Decisions: Individual investors can easily be influenced by emotions. However, froots employs scientific and analytical methods to avoid emotional decisions.
  3. Professional Portfolio Construction: Proper diversification requires knowledge, skill, and effort to ensure that the various components of a portfolio work together optimally under different market conditions.
  4. Optimal Balance of Personal Service & Technology: Automation saves costs, while our team is utilized where it adds value. You thus receive the experience of a Wealth Manager without hidden costs.
  5. Time Efficiency & Focus on Essentials: Professional investing demands extensive research and significant time. As a customer, you can rely on an experienced team to monitor the markets and make the right decisions for you.

How much should I invest monthly?

The amount of monthly investments depends on individual factors such as income, financial goals, and your risk tolerance. It's important to analyze your financial situation and goals to determine an appropriate investment amount. With froots, you can also adjust or pause the savings rate flexibly at any time.

With what amounts can I begin?

You can start with as little as 150 EUR per month or a one-time payment of 1,500 EUR. You can also adjust the monthly payment anytime and one-time payments can be initiated by you at any time as well.

Johanna Ronay

Customer Excellence

Marlène Pfandl

Customer Exellence

David Mayer-Heinisch

Founder & CEO