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German robo-advisors: March of the machines driving passive investments

February 24, 2020

German robo-advisors: March of the machines driving passive investments

Region:

Germany Monitor Household finance

Topic:

Banking and financial markets

Analyst:

German retail clients have shown relatively little interest in passive investment alternatives, compared to traditional mutual funds. Robo-advisors, which primarily invest in ETFs, have seen the number of their clients and AuM grow. German robo-advisors could manage about EUR 25-35 bn in 2025, up from EUR 4 bn today. Their pioneer clients are largely male, middle-aged and high-income. They value full control and autonomy in their financial decisions and deal with financial matters mostly online. Still, they visit bank branches quite frequently. [more]

More documents contained in "Germany Monitor,Germany Monitor Household finance"

Federal budget 2021: Will the credit high be followed by a debt hangover?

December 7, 2020

Region:

Topic:

Analyst:

Sebastian Becker

Germany Monitor

1

There’s no denying that the federal budget is increasingly in trouble. [more]

Dax reform: Reasonable, but won't cure German stock market's illness

December 4, 2020

Region:

Topic:

Banking and financial markets

Analyst:

Germany Monitor

2

Germany’s main stock market index, Dax, is undergoing its biggest rule makeover so far. [more]

Surge in corporate insolvencies hitting German banks

November 6, 2020

Region:

Topic:

Banking and financial markets

Analyst:

Germany Monitor

3

The corporate sector in Germany and particularly SMEs have become more resilient in terms of funding which should help them weather the corona shock. [more]

Working from home: Be careful what you wish for

September 9, 2020

Region:

Topic:

Macroeconomics, Real estate

Analyst:

Jochen Moebert, Marc Schattenberg

Germany Monitor

4

The corona crisis has forced many employees to work from home. A consensus seems to be emerging that this is becoming the new normal. [more]

Immigration may increase the population up until 2030

July 13, 2020

Region:

Topic:

Analyst:

Germany Monitor

5

In 2019, net migration to Germany amounted to +327,100, a significant decrease compared to the previous years. Particularly striking is the sharp decline in immigration from Poland and the sharp increase in the number of immigrants from India. [more]

Paying in times of crisis: Coronavirus, cards and cash

May 26, 2020

Region:

Topic:

Banking and financial markets

Analyst:

Germany Monitor Household finance

6

Cash was in high demand throughout Europe at the start of the coronavirus crisis. In March, euro circulation skyrocketed by EUR 36 bn month on month. [more]

German property market outlook 2020

May 5, 2020

Region:

Topic:

Macroeconomics, Real estate

Analyst:

Jochen Moebert, Marc Schattenberg

Germany Monitor

7

The corona crisis is currently overshadowing all other aspects of the German property market. [more]

German industry: Coronavirus crisis distracts from structural problems

May 5, 2020

Region:

Topic:

Economic and european policy, Sectors and resources

Analyst:

Germany Monitor

8

Due to the coronavirus, production in the manufacturing sector in Germany is expected to fall by roughly 10% to 15% in real terms in 2020. [more]

The COVID-19 crisis and the German real estate market

April 3, 2020

Region:

Topic:

Analyst:

Jochen Moebert, Marc Schattenberg

Germany Monitor

9

Due to the COVID-19 pandemic, uncertainties about the future development of German real estate prices have increased considerably. A global flight to safety should drive prices for residential properties up. [more]

Cost of negative interest rates to German households

March 24, 2020

Region:

Topic:

Banking and financial markets

Analyst:

Heike Mai, Orçun Kaya

Germany Monitor Household finance

10

We identify the impact of negative rates on household portfolios in Germany. Real returns on cash and deposits stood at -1.2% in Q1 2019. Due to that, Germans lost around EUR 150 in real terms in 2019 per person, compared to the 1991-2014 average. [more]

Berlin housing market: Rent cap may decouple real estate cycle from economic supercycle for a number of years

February 27, 2020

Region:

Topic:

Analyst:

Germany Monitor

11

The key message: If the Berlin rent cap is constitutional, the situation for investors will change dramatically. The realignment of housing policy in Berlin and the rent cap represent a radical attempt to sideline market-based mechanisms. [more]

E-mobility: Remaining a niche phenomenon for now – at least without subsidies

January 9, 2020

Region:

Topic:

Sectors and resources

Analyst:

Germany Monitor

12

The shift towards alternative propulsion technologies, such as e-mobility, is currently the biggest challenge for the global auto industry. So far, this structural change is driven mainly by government regulation and not so much by market forces. [more]

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