froots invests for you while you stay in control.

Based on your goals, your money is invested in equity and bond ETFs as well as ETCs, and adjusted over time in line with market developments and your investment horizon. This allows you to benefit from the opportunities of financial markets without taking unnecessary risk.

Find out more about our investment approach here.

We keep our pricing simple and transparent.

We charge an all-in fee of up to 1% p.a. including VAT, plus ETF product costs of around 0.17% p.a., which are reflected in performance. Capital gains tax is handled automatically.

The all-in fee covers everything. Portfolio management, transactions, custody, and personal support. Withdrawals and account closure are always free.

The fee is charged quarterly, fully transparent, and decreases with higher invested assets and the length of your relationship with us.

Find a full fee overview and FAQs here.

If you’re under 27, the first €10,000 are managed free of charge. Learn more here.

When it comes to money, security is key. Your money is held in your name in your own account with our Austrian partner bank, Schelhammer Capital Bank AG, founded in 1832 and based in Vienna.

If our partner bank were to face difficulties, your investments remain protected as segregated assets.

If froots were no longer around, you would simply lose your portfolio manager, not your assets.

Please also note that investing in capital markets involves risk. Market fluctuations are normal and to be expected. With our investment approach, we aim to deliver a risk return profile that aligns with your individual preferences.

With froots’ tailored investment service, you stay fully flexible. You’re never locked in.

You can withdraw your money at any time within just a few business days.

You can also close your account at any time, free of charge.

If you have a monthly savings plan, you can easily adjust or pause it whenever it suits you.

With just a few clicks, you can open additional accounts, for example for your children, or adjust your investment horizon so your portfolio always fits your financial plan.

froots is not a private bank, but an independent asset manager.

We believe independence is essential to avoid conflicts of interest and keep costs low. That is why froots does not use in-house financial products and remains fully free from ties to external product providers.

This independence also allows us to offer better pricing. We only stay personal where it adds real value, and automate everything else.

With froots, you benefit from:

No expensive funds. We follow an independent investment approach. Unlike some banks, this means your portfolio only includes products selected through an objective process — not high-cost in-house funds.

No sales pressure in personal advice. Our team earns no commissions. Their only goal is to support you and develop a strategy that truly fits your needs.

The three key differences at a glance:

Diversification across asset classes. Not just equities.
Most investors think of ETF savings plans as purely equity-based. At froots, we also invest in bonds and commodities, such as gold, depending on market conditions, your time horizon, and your risk profile. This helps avoid unnecessary risk. How we allocate across asset classes is based on our systematic investment approach and your personal goals.

Product selection and diversification. Taken care of for you.
With an ETF savings plan, you are responsible for selecting products, setting the allocation, and deciding how to react to market volatility or life changes. With froots, we take care of this for you. We follow a clear, systematic investment approach and only include products that meet our standards. We do not receive commissions for selling financial products.

Personal service. Talk to a real person.
As a hybrid wealth manager, froots is there for you whenever you have questions or need guidance.

In most cases, yes — if you ignore opportunity costs. And by that, we don’t just mean the cost of emotional investment mistakes, but also your time and the stress that can come with volatile markets.

Our view is simple:

You should manage your portfolio yourself if you feel confident doing so and if following markets and making investment decisions under uncertainty is something you genuinely enjoy.

For everyone else, using a professional investment service makes sense. We believe froots is the most compelling choice in Austria.

Use our return calculator to explore different growth scenarios.

Please make sure to read the notes carefully to understand how to interpret the results.

froots is accessible without significant entry barriers. You can get started with a one-time investment of €1,500 or a savings plan from €75 per month.

If you start with a savings plan, keep in mind that your portfolio is built up gradually over the first months, so you won’t be fully invested right away.

You can add funds at any time, which are typically invested within a few business days.

Selected services, such as analyzing your existing portfolio or supporting a portfolio transfer to froots, are available from €50,000.

Transferring existing portfolios is generally possible.

In most cases, however, it is simpler and more cost-efficient to sell your assets and invest the proceeds directly with us.

We’re happy to look at your situation individually. You can find more information about our portfolio transfer service here.