Oskar VL, if AnSpZ doesn't play a role for you anyway. No blocking periods, transfers to your own custody account possible from €1000 etc.. Your employer is not allowed to specify the product. They get an account number and a reason for payment (as with any VL investment; standardized Vorgang🤷🏼♂️) and simply transfer the money. Shouldn't be a problem.
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@All-in-or-nothing. I also invest in this and think it's good. Investment in 11 ESG-etfs, basically a small ACWI. The average return for me is 6.5% p.a. But I've only been invested for 3 years.
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•@All-in-or-nothing Info from MS Copilot:
"**Oskar VL** is a provider of capital-forming benefits (VL) that specializes in investing in ETFs. Here is the most important information about the fees:
### 💰 **Fee structure at Oskar VL**
- **Custody account management fee**:
Oskar charges **1% of the custody account value per year** as a management fee. For a custody account value of €2,000, for example, this means around €20 per year[1](https://www.vermoegenswirksame-leistungen.de/vl-depot/).
- **ETF costs**:
In addition, there are **ETF-internal costs from approx. 0.13% per year**, which are already included in the prices of the ETFs.[2](https://onlinebanken.com/depots/erfahrungen/oskar/)
- **Order fees**:
There are **no order fees** - i.e. no costs for purchases or sales.[2](https://onlinebanken.com/depots/erfahrungen/oskar/)
- **Minimum savings rate**:
The minimum monthly savings rate is **€25**.[3](https://depotstudent.de/oskar-vl-erfahrungen-vl-sparen-mit-etfs-im-test/)
- **No basic fee**:
There is **no separate basic fee** for the VL account - only the regular Oskar fees apply.[4](https://www.oskar.de/vermoegenswirksame-leistungen/)
- **No state subsidy**:
Oskar VL is **not eligible** for the employee savings allowance.[3](https://depotstudent.de/oskar-vl-erfahrungen-vl-sparen-mit-etfs-im-test/)
### 📌 Special features
- The investment is made exclusively in **sustainable ETFs** with global diversification.
- The management is handled by **Scalable Capital**, the custody account is managed by **Baader Bank**.
- There is **no minimum term** - the statutory lock-up period of 7 years does not apply.
Would you like a comparison with other VL providers such as Finvesto or Comdirect?"
"**Oskar VL** is a provider of capital-forming benefits (VL) that specializes in investing in ETFs. Here is the most important information about the fees:
### 💰 **Fee structure at Oskar VL**
- **Custody account management fee**:
Oskar charges **1% of the custody account value per year** as a management fee. For a custody account value of €2,000, for example, this means around €20 per year[1](https://www.vermoegenswirksame-leistungen.de/vl-depot/).
- **ETF costs**:
In addition, there are **ETF-internal costs from approx. 0.13% per year**, which are already included in the prices of the ETFs.[2](https://onlinebanken.com/depots/erfahrungen/oskar/)
- **Order fees**:
There are **no order fees** - i.e. no costs for purchases or sales.[2](https://onlinebanken.com/depots/erfahrungen/oskar/)
- **Minimum savings rate**:
The minimum monthly savings rate is **€25**.[3](https://depotstudent.de/oskar-vl-erfahrungen-vl-sparen-mit-etfs-im-test/)
- **No basic fee**:
There is **no separate basic fee** for the VL account - only the regular Oskar fees apply.[4](https://www.oskar.de/vermoegenswirksame-leistungen/)
- **No state subsidy**:
Oskar VL is **not eligible** for the employee savings allowance.[3](https://depotstudent.de/oskar-vl-erfahrungen-vl-sparen-mit-etfs-im-test/)
### 📌 Special features
- The investment is made exclusively in **sustainable ETFs** with global diversification.
- The management is handled by **Scalable Capital**, the custody account is managed by **Baader Bank**.
- There is **no minimum term** - the statutory lock-up period of 7 years does not apply.
Would you like a comparison with other VL providers such as Finvesto or Comdirect?"
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@All-in-or-nothing Hm, I've just seen that Oskar VL only invests in ESG ETFs. You have to expect a noticeably lower return (6% p.a.) than with a standard world ETF such as MSCI World or ACWI (8% p.a.)... which has a negative impact on the compound interest effect of accumulating ETFs in particular.
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@AlexBloch That's correct, as is the cost overview. I accepted it at the time for the flexibility and simplicity. As long as I had the funds in my custody account (change of provider due to a change of employer and my new employer's wish for "loyalty to the association"), the performance was solid and reasonable and didn't have to lag behind a world ETF. So the Robo does a very reasonable job scheinbar🤷🏼♂️.
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