Yes, an honest answer is important to us: investing always involves risks and market fluctuations. The value of your investments can decline, especially in the short term.

The good news is: in the long run, financial markets tend to rise. The longer your investment horizon, the lower the risk of a loss. That’s why it’s crucial to hold on to your investments even during crises and to not sell in a panic.

We don’t rely on speculative bets but on a proven long-term strategy. Your money is widely spread across thousands of companies, industries, and regions. With such broad diversification, a total loss is virtually impossible. And so far, the markets have recovered from every crisis.