Scalable Capital
Manage your Scalable Capital ETF portfolio in Index Balance. TWRR performance, drawdown analysis, rebalancing and investment projections. Free.
Scalable Capital is the go-to neobroker in Germany for passive investors. Founded in Munich in 2014 and regulated by BaFin as a securities trading bank (Wertpapierhandelsbank), it combines online brokerage with a robo-adviser service for those who prefer delegated management. With over 7 million clients across Europe, it is the preferred platform of the German investing community for building low-cost index ETF portfolios. Its main advantage for passive investing is the Sparplan (ETF savings plan): automatic periodic contributions across more than 3,000 UCITS ETFs, entirely free of charge. This makes Scalable Capital the ideal platform for implementing a DCA (systematic investing) strategy in ETFs such as the Vanguard FTSE All-World (VWCE), the iShares Core MSCI World (IWDA) or the iShares Core S&P 500 (CSPX). Pricing is flexible: a free tier with a €0.99 custody charge per trade, or the Prime plan at €2.99/month for unlimited trades. Cash balances also earn 2.5% interest per annum — unusual among European brokers. The platform is available in English, making it accessible to expatriates living in Germany. To analyse your Scalable Capital portfolio in Index Balance, enter each ETF with its ISIN and the history of your contributions. Index Balance will calculate your real TWRR return, benchmark it against the MSCI World and suggest the optimal rebalancing. Automatic import from Scalable Capital is under development.
Frequently asked questions
What are the advantages of Scalable Capital for index investing?
Scalable Capital stands out for its completely free Sparpläne (ETF savings plans), access to more than 3,000 UCITS ETFs, trades at just €0.99 per order for one-off purchases or sales, 2.5% interest on cash balances and an English-language platform. It is the ideal choice for the boglehead strategy in Germany: make regular contributions to low-cost ETFs and leave the portfolio alone.
Which index ETFs can I buy on Scalable Capital?
The most popular among its clients are: Vanguard FTSE All-World UCITS ETF (VWCE), iShares Core MSCI World UCITS ETF (IWDA), Amundi Prime All Country World UCITS ETF, iShares Core S&P 500 UCITS ETF (CSPX) and Vanguard FTSE Emerging Markets UCITS ETF. All with a TER between 0.07% and 0.22% per year.
What is the difference between the free plan and the Prime plan?
With the free plan (Free Broker) you pay €0.99 per buy or sell order, but periodic savings plans are always free. With the Prime plan (€2.99/month) you get unlimited trades at no extra cost — ideal if you trade frequently or want to rebalance your portfolio regularly.
How can I analyse my Scalable Capital portfolio in Index Balance?
Enter each ETF with its ISIN, the number of units purchased and the date of each contribution. Index Balance will calculate your TWRR return, maximum drawdown, benchmark against the MSCI World and show you how much you need to contribute to each ETF to restore your target weights. Automatic import is under development.