A day with Simone (48)

Architect
and comdirect customer
since May 2012

"I’m on the road a lot with my job. Appointments with customers, appointments on the construction site. It’s stressful, but more exciting than sitting at a desk from morning till night."

"Still, I do sometimes ask myself on Saturdays if all I’ve done all week is work, or lived a little, too. I don’t get the balance right all the time."

"It’s all the more important to me, then, that in my brief leisure time I’m not tied down with paperwork or annoying errands. So I appreciate everything that’s easy and gives me more free time ... and that can include small things, too.

Just like shopping or booking a holiday, I’ve been doing my banking exclusively on my smartphone for a good while now. It saves hanging around in queues for ages."

"I’d rather be hanging around in my garden.

I opened my current account with comdirect a few years ago. Initially only as a second account. But a lot’s changed since then. Most recently with the smartPay app. Since then, I don’t need to enter the 22-character IBAN when paying bills – and all important documents are stored in the digital archive at my bank, secure and accessible at any time.

At some point, I closed my other current account because I wasn’t using it any more. It also was expensive."

"Because I work a lot for my money, of course I want my money to work for me too. I want more than zero per cent interest. On the other hand, I’m not a stock market expert.

But now I’ve actually become an investor with the comdirect InvestmentAssistant. At first, I just played around with it and then thought, why not?

Since then, I’ve been saving monthly with ETFs for my next trip to South America. It’s not a huge amount and it’s low risk, but it definitely offers a greater return than a savings account."

  • 1. Launch AnlageAssistant: enter savings rate, duration and risk appetite. And the investment structure is ready straight away.

  • 2. Now, the funds are selected: you can choose between two complete packages comprising funds and ETFs, as well as an individual fund mix.

  • 3. Confirm selection and set up savings plan straight away

  • 4. If you don’t have a free comdirect custody account yet, you can open one directly in the AnlageAssistant.

"When my old fixed-term deposit matures next month, I’ll definitely need some more information. It’s a reasonable sum that should provide a good yield over the long term. I’ll let an expert explain the procedure within the one-off-investment to me in more detail, so that I can make a decision that makes sense in the long term."

"That’s also included in comdirect’s services. I’ve already arranged the appointment for the consultation."

comdirect – a bank that’s intuitive to use

We give customers like Sabine a little bit of their life back. Extremely simple operation, intuitive functions and clear information reduce the amount of time that customers need to sort out their finances. With innovations such as smartPay, we go beyond the usual range of services offered by a bank, and we are on hand to provide customers with support and inspiration – though always unobtrusively – in making their daily financial decisions.

Borne of the conviction that a bank must adapt products and processes to the customer and not the other way around, we make investing and saving with securities simpler. All investors, whether safety-conscious or risk-oriented, can quickly find the right solution, sensibly saving and providing for themselves even in the current interest environment.

With its quality-tested investment proposals, the comdirect InvestmentAssistant enables customers to design their own asset accumulation. If customers would like more help in making a decision, we explain the suggestions made by the InvestmentAssistant in more detail in a personal meeting. Those, however, who want to put their investment entirely in expert hands can use a digital asset manager with the fintego Managed Depot by ebase, based on ETF sample portfolios. And, of course, this can all be done conveniently via smartphone, wherever and whenever.

"We want to get customers to get into smart investment solutions", says comdirect Chief Marketing Officer, Dr Sven Deglow. "No one should see their savings lose value because of low interest." With this consistently customer-oriented approach, comdirect is aiming to take the lead across Germany in digital asset management.

comdirect – a bank that’s intuitive to use

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We give customers like Sabine a little bit of their life back. Extremely simple operation, intuitive functions and clear information reduce the amount of time that customers need to sort out their finances. With innovations such as smartPay, we go beyond the usual range of services offered by a bank, and we are on hand to provide customers with support and inspiration – though always unobtrusively – in making their daily financial decisions.

Borne of the conviction that a bank must adapt products and processes to the customer and not the other way around, we make investing and saving with securities simpler. All investors, whether safety-conscious or risk-oriented, can quickly find the right solution, sensibly saving and providing for themselves even in the current interest environment.

With its quality-tested investment proposals, the comdirect InvestmentAssistant enables customers to design their own asset accumulation. If customers would like more help in making a decision, we explain the suggestions made by the InvestmentAssistant in more detail in a personal meeting. Those, however, who want to put their investment entirely in expert hands can use a digital asset manager with the fintego Managed Depot by ebase, based on ETF sample portfolios. And, of course, this can all be done conveniently via smartphone, wherever and whenever.

"We want to get customers to get into smart investment solutions", says comdirect Chief Marketing Officer, Dr Sven Deglow. "No one should see their savings lose value because of low interest." With this consistently customer-oriented approach, comdirect is aiming to take the lead across Germany in digital asset management.