FAQ

FAQ

Here you will find answers to frequently asked questions about Zeedin - the digital wealth management solution.

General Questions

Zeedin, the name of our digital wealth management, stands for the combination of the best of two worlds: the digital, modern aspect on the one hand, and the long-standing tradition and expertise of our company on the other. The word "zeed" stands for growth and return of the investment you entrust us with, as well as for our future. "In" stands for intelligence, innovation and individuality. In other words, the characteristics that distinguish our digital wealth management.

Our offering is aimed, among others, at customers who want to invest for the medium to long term without wanting or being able to look after their investments themselves on a daily basis. With our many years of tradition and expertise in the securities business, we offer these customers the opportunity to have their assets professionally managed.

For fund-based wealth management, the minimum investment amount is €25,000. If you would like to receive wealth management based on individual securities, the minimum investment amount is €150,000 - for both the classic and the ethical-sustainable variant.

Hauck Aufhäuser Lampe has many years of expertise in the analysis of individual stocks and the identification of potential for value growth. In this way, we try to identify companies even in market phases with weaker development that can decouple themselves from this trend and show a positive value development despite the market environment. Similarly, the companies identified in this way also show the potential to outperform the general trend in good market phases. By actively selecting individual stocks, we as asset managers are able to individually adjust your portfolio to market conditions at any time within the framework of your chosen investment strategy.

After you complete the onboarding process, we will create your account and custody account and inform you about the account and custody account opening. After successful transfer of the investment amount, we will set up your target portfolio in about 2-3 business days.

 

To become a customer with us, you first start with a questionnaire in which we ask you about investment objectives, risk tolerance and your experience in the capital market. Then we need your address and contact information, date of birth, account details and tax ID. You will also need your ID card as part of the online identification check.

Yes, it is also possible to become a customer with us if you do not have a German passport. However, you must be a resident and taxpayer in Germany. If you are a US citizen, please contact our customer support, as we need some additional information in this case.

 

Once you have become a Zeedin customer, you will be given access to your custody account and clearing account via Hauck Aufhäuser Lampe's modern online banking portal (including app). This allows you to track performance and monitor the composition of your portfolio at any time and from anywhere - conveniently via computer, tablet or smartphone. In addition, once a quarter you will receive a comprehensive written report on the respective reporting period.

Currently, we only offer our digital wealth management for opening by individuals.

Yes - in principle this is possible. The minimum deposit volume for this is 300,000 euros. A corresponding request can be sent to us via our online banking.

 

Do you also want to invest intelligently?

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GENERATE INVESTMENTPROPOSAL

Our strategy for your money

The investment concept is based on your individual investment preferences. The investment concept is implemented in accordance with the specifications we have collected for you. It is subject to regular monitoring and, if necessary, adjustments by us using proven statistical models as well as a structured, qualitative review of the quantitative models. The portfolio composition is based on the current market assessment of our team of experts as well as a selective choice of portfolio securities and (shares, bonds, risk-adjusted investments, ETFs and funds) to achieve an optimal risk/return structure.

Within the framework of professional wealth management, we are very interested in achieving your desired financial goals in highly complex and confusing markets. All without you having to worry about managing your investments. Therefore, the HAL investment team takes over the investment decision-making. There is no active intervention by you as a client - beyond the choice of investment strategy.

ETFs are exchange-traded investment funds. They are also called index funds, because they usually try to replicate a specific index like the Dax 1:1. The investor thus buys virtually the entire index in a mutual fund. Since ETFs only replicate an index, the fund manager only has to replicate the composition of the index. For this reason, ETFs are also referred to as passive investments. In actively managed funds, on the other hand, the fund manager tries to actively allocate the fund's assets in order to outperform its benchmark, which is usually also an index or a basket of indices. In this way, the fund manager is trying to beat the market through active management, rather than tracking it like an ETF.

Of the four underlying asset classes - i.e. the main asset classes equities and bonds and gold, plus risk-adjusted investments as an admixture for return/risk diversification - equities have the highest volatility over the long term. The portfolios determined for the individual risk classes in our strategic asset allocation therefore show an increase in the neutral/strategic equity ratio for higher risk classes.

The investment universe depends on the product features you select. In the case of unit-linked asset management, we invest your capital in ETFs and actively managed funds. For further diversification, gold and risk-adjusted investments are also used, provided you have not deselected these as part of the individual configuration of your investment proposal.

In the case of classic individual securities asset management, instead of investing in funds, we invest your assets as far as possible in individual securities (equities and bonds) that have been fundamentally evaluated by our investment team as part of our in-house research process and are considered attractive.

As part of our ethical single stock asset management, we invest globally in bonds and equities of large and mid-capitalized companies and issuers that demonstrate a high-profile sense of responsibility towards the environment and society. In addition, the securities are screened according to the strict principles of an independent ethics committee. In order to ensure transparent implementation of the ethical criteria, this strategy focuses on individual stocks.

In single stock asset management, the portfolio is basically actively managed, i.e. depending on the market situation, equities, regions and currencies are overweighted or underweighted within the ranges that suit you. In order to be able to ensure sufficient diversification in the case of small equity quotas, an internal fund solution can be used for this proportion. Derivatives are not used.

Dividends are always reinvested.

Your way to Zeedin

The deposit is made by bank transfer to your new account at Hauck Aufhäuser Lampe.

It is currently not possible to transfer existing custody accounts, as we only compile customer custody accounts from scratch on the basis of your chosen investment strategy. In this way, we ensure that our expertise is fully incorporated into the design of your custody account right from the start.

Currently, only natural persons can sign up for Zeedin digital asset management.

With Zeedin, you can legitimize yourself from the comfort of your own home using the modern VideoIdent procedure from IDnow. To do this, you need Internet access, a computer with webcam or a tablet or smartphone, and a valid identification document (ideally an ID card). Alternatively, you can use the POSTIDENT procedure at a post office of your choice. All you need is a printout of the POSTIDENT coupon created for you online and a valid ID card or passport. We describe the two procedures in detail in the section on opening a securities account.

As a bank, we are required by law to carry out an identity check every time an account or securities account is opened. The purpose of this is to be able to assign account and securities account balances directly to an account holder, e.g., to prevent money laundering. In this way, you also prove that you are not acting on behalf of a third party, but in your own name.

The conclusion of the digital asset management Zeedin is currently only possible for new customers and comes with a different service and advisory model. However, if you are already a customer of Hauck Aufhäuser Lampe, you can conclude an asset management contract much more easily, as various steps such as legitimization or the collection of various personal data are no longer required. If you are interested, you can contact your client advisor directly, who will be happy to look after your investment personally.

Around the customer relationship

You can issue an exemption order at any time. You can obtain the appropriate form from our Digital Wealth Channel Zeedin Team. You can reach them between 09:00 and 17:00 by phone at +49 69 2161-1113 or by e-mail at zeedin@hal-privatbank.com.

You can change your risk class at any time. To do so, simply fill out the risk questionnaire again.

To change your address or reference account, please contact our Digital Wealth Channel Zeedin Team directly. You can reach them between 09:00 and 17:00 by phone at +49 69 2161-1113 or by e-mail at zeedin@hal-privatbank.com.

Increases in the investment amount as well as reductions up to the level of the minimum investment amount are possible at any time. If you would like to increase your investment amount, simply transfer the corresponding amount to your clearing account at Hauck Aufhäuser Lampe. The investment will then be made automatically. In the event of a desired reduction, please inform us of the order with the desired amount using the contact form in your online banking portal.

A reference account is a current account specified by you. To ensure security for our customers and thus prevent fraud, withdrawals are only made to a reference account specified by you.

Your investment strategy should adapt to your personal life planning: If this changes, you can also change your investment strategy. To do this, you can easily determine a new investment proposal via the Zeedin investment section. Please contact our Zeedin Customer Service Team with this proposal and they will be happy to implement it together with you. Please note that major adjustments may require a contract amendment. If necessary, this would have to be confirmed by you again.

You can reach our Digital Wealth Channel Zeedin Team between 09:00 and 17:00 by phone at +49 69 2161-1113 or by e-mail at zeedin@hal-privatbank.com.

 

Our know-how for your investment success

Our fund wealth management allows an optimal allocation in your portfolio, even for smaller investment amounts that could not be sufficiently diversified with an individual stock selection. We use the expertise of the Hauck Aufhäuser Lampe investment team to select the best investment funds and create a portfolio structure based on your investment strategy. The mix of actively managed funds and exchange traded funds that track an index allows, to a certain extent, to decouple from the general development of the financial market indices.

It is not possible to predict an exact portfolio return. However, complex calculation methods are used to determine portfolios that have an optimal weighting based on the stored historical return and risk ratios of the individual asset classes. We thus find the right portfolio for each client in line with their individual risk tolerance.

The investment decisions are made by an experienced and specialized investment team, which on average has a professional experience of more than 10 years.

 

If you have any questions, please feel free to contact our Digital Wealth Channel Zeedin Team directly. You can reach them between 09:00 and 17:00 by phone at +49 69 2161-1113 or by e-mail at zeedin@hal-privatbank.com.

If you have already created a personal investment proposal via Zeedin and still have questions regarding the content, you are welcome to discuss these with one of our customer advisors in an appointment via co-browsing. To do so, simply make an appointment with Calendly. You will then receive an invitation and our customer advisor will call you at the telephone number provided on the selected date. You will then start the co-browsing session together with him via your laptop, PC or tablet.

Co-browsing, or screen-sharing, allows you as a customer to share specific, shared browser content with one of our customer service representatives in view. This allows us to quickly help you with any problems or provide explanations about our website. To use the feature, please access the co-browsing feature in the upper right margin on our website and follow the instructions.

Your advantages at a glance:

  • Individual wealth management from 25,000 euros
  • Test winner sustainable digital wealth management
  • Simply online from home, 24/7
  • A professional team of investment experts behind you
  • Detailed investment discussion by phone or in person

GENERATE INVESTMENTPROPOSAL

 

Our service offer

There is an administrative fee, which is billed semi-annually. This includes the costs for the transaction, foreign charges and (if relevant) foreign currency conversion costs. In addition, some investment instruments incur costs within the product (e.g. a management fee within funds). We have no influence on these, but will of course disclose them as part of the investment advice. You can find more information on the exact costs under Products & Conditions.

In principle, you can access your money at any time, but it may be necessary for us to sell shares of your securities for this purpose. This can take up to three days.

The frequency and timing of portfolio rebalancing depends on the prevailing conditions in the financial markets, so that we can always optimally align your portfolio in this way. There are no transaction costs for you due to portfolio reallocations. This is already covered in the general management fees.

It is currently not possible to use a savings plan with Hauck Aufhäuser Lampe's digital offering. However, you can top up your digital asset management at any time. To do so, simply transfer the desired amount to your clearing account at Hauck Aufhäuser Lampe.

First, you can select the investment universe in Zeedin's investment section based on three product variants. After viewing the determined investment proposal in Zeedin's dashboard, you can further individualize your asset investment by deselecting the asset class Gold and/or Risk-Adjusted Investments as well as potentially fine-tuning the asset class weighting. Last but not least, you have the option to tailor the service model to your personal needs through further optional free additional services.

Many investors feel the desire to exert a positive influence on society and the environment with their investments. In addition, there is a growing realization that taking social and ecological criteria into account can also go hand in hand with a solid return. It is good that our cooperation partner Arete Ethik Invest AG has been pioneering an ethically-sustainable investment process for over 20 years. This investment strategy is now also accessible to you by means of the digital asset management Zeedin, starting at 150,000 euros. The goal of this investment strategy is a profitable, but at the same time socially and ecologically responsible investment behavior that is focused on sustainable entrepreneurial value creation.

The costs are calculated semi-annually and debited from your clearing account. Sufficient liquidity is always automatically held for the debit.

Any distribution fees incurred are not retained by Hauck Aufhäuser Lampe, but are credited to your clearing account in a quarterly settlement cycle. However, we mainly use ETFs as financial instruments that do not pay out any distribution fees to the financial institutions.

No, if you choose to terminate, you will not incur any additional costs.

Your investment in good hands

Your securities account is held at Hauck Aufhäuser Lampe Privatbank AG. This means that the associated clearing account is also subject to our comprehensive deposit protection.

No, the securities in your custody account are treated as separate assets under German law. This means that they are separate from the rest of the bank's assets and are not available to satisfy creditors' claims in the event of insolvency. If there are additional deposits in your account with us, these are protected by the statutory deposit protection. You can find out the exact scope of deposit protection at www.einlagensicherung.de. As a rule, it amounts to 100,000 euros per bank and customer.

Yes, your data is transmitted to us exclusively via encrypted and secured connections. Our data center uses state-of-the-art encryption technologies and protection mechanisms to protect your data from external access.

No, your data will not be passed on to third parties without authorization. If we use other business partners to process your data, this is done within the framework of the data protection agreements concluded with you and the legal requirements.

We will be happy to answer any questions you may have

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