With the Best of Funds strategy, you invest in a carefully compiled portfolio of actively managed investment funds, supplemented by selected individual stocks. We rely on experienced fund managers and regularly verify whether they continue to meet our high quality standards.
15-20
Funds and individual securities in the portfolio
€100,000
Minimum investment with LLB custody account
Five
Variations from 20 to 100% equity allocation
LLB
Held in custody with the long-established Liechtensteinische Landesbank
There are experienced fund managers worldwide who invest according to investment principles similar to ours. With Best of Funds, we leverage their expertise. We analyze their investment strategies, verify their long-term results, and select those funds that meet our quality standards.
The result is a broadly diversified portfolio of actively managed investment funds that predominantly invest according to value and quality principles. It is supplemented by bond funds and selected individual stocks. By combining different fund managers, regions, sectors, and investment styles, we distribute assets across numerous companies and reduce dependence on individual investment decisions.
While we select individual companies ourselves in Modern Value, we rely on the expertise of specialized fund managers in Best of Funds. Our task consists of selecting the right managers and continuously reviewing their work.
A further advantage: whenever possible, we invest in institutional share classes, which are often not directly accessible to private investors. These generally offer significantly more favorable conditions than the corresponding share classes for private investors.
01
We examine the experience of the responsible fund managers, their past performance, and the continuity of the management team. It is particularly important to us how those responsible acted during difficult market phases and whether they are invested in the funds themselves.
02
We prefer fund managers who think long-term, pay attention to the quality of their investments, and place great value on an appropriate valuation. Their investment philosophy must be compatible with our own investment principles.
03
In addition to the quality of the fund management, we take all ongoing costs into account. In doing so, we pay particular attention to low-cost institutional share classes in order to keep the fee burden for our clients as low as possible.
04
Good performance in rising markets alone does not convince us. We analyze how a fund has performed during past crises, how significant the losses were, and how long the subsequent recovery took.
We regularly review whether the selected funds continue to meet our quality standards. In this process, we consider the investment philosophy, costs, and the composition of the management team in addition to performance. If essential prerequisites change, we examine a possible replacement. We are happy to explain the reasons for the selection of each individual fund to you at any time.
Best of Funds 60 means: a maximum of 60 percent equities, the rest is in bond funds. All five variations follow the same principles – they differ only in the equity allocation and thus in how much fluctuation you are willing to bear.
Best of Funds 20
For assets that should primarily remain stable.
Best of Funds 40
Bonds provide support, equities supplement.
Best of Funds 60
Balanced, diversified across all regions.
Best of Funds 80
Growth in focus, with a buffer remaining.
Best of Funds 100
Fully in equity funds, for long periods.
We will clarify which variation suits you best in a consultation – or you can open your account directly online – a short questionnaire will suggest a suitable variation for you.
Diversification is not a renunciation of conviction. It is the decision to give room to several good judgments instead of just one.
Your account and custody account are in your name, managed by Liechtensteinische Landesbank or Baader Bank. Estably manages, the bank safeguards. You have full oversight at all times.
At Estably, you have personal contacts who are familiar with your investment strategy and will assist you with any questions. You can reach us Monday to Friday via a direct phone number.
Via the Estably Dashboard, you can at any time track the composition and performance of your portfolio and view your investments. Additionally, you will annually receive your tax documents.
Distributions and interest are credited to your settlement account and reinvested with the next investment. Additional payments are invested weekly.
There is no minimum term and no notice period.
Best of Funds offers five variations with different equity allocations. The fund selection follows the same investment principles in each case. Depending on the chosen variation, the return opportunities and potential fluctuations in value differ.
Return per Calendar Year
VARIATION
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
avg. p.a.
since inception
Best of Funds 20
5,23 %
3,82 %
−4.81%
12,26 %
4,16 %
5,50 %
−8.36%
8,64 %
9,37 %
0,76 %
4,11 %
3,62 %
46,54 %
Best of Funds 40
5,97 %
5,31 %
−4.31%
14,99 %
3,46 %
10,59 %
−9.20%
9,92 %
11,69 %
−0.57%
4,74 %
4,66 %
63,11 %
Best of Funds 60
6,76 %
6,47 %
−3.82%
17,95 %
2,18 %
17,08 %
−9.72%
11,19 %
13,99 %
−0.23%
4,75 %
5,86 %
84,48 %
Best of Funds 80
7,62 %
8,04 %
−3.54%
21,13 %
1,31 %
22,44 %
−10.79%
12,48 %
16,39 %
0,11 %
3,99 %
6,90 %
104,88 %
Best of Funds 100
8,98 %
9,66 %
−2.89%
24,32 %
−0.10%
29,24 %
−11.46%
13,78 %
18,77 %
0,54 %
5,88 %
8,37 %
137,24 %
Year-end values of Estably model portfolios Best of Funds 20 to 100, starting from €100,000 in January 2016, as of September 30, 2026. Values before 2020 are based on back-calculations; values from 2020 onwards are based on the development of the model portfolios. "ø p.a." is the annualized return over the entire period, not the average of the annual values. 2026 includes January to September. Figures before costs and taxes. Past performance is not a reliable indicator of future results.
The management fee is based on the invested amount. We do not receive any commissions or rebates from product providers.
Management fee p.a.
In addition
0.30% custody fees. This covers account and custody account management, transaction costs, cross-border fees, and the annual tax report for private clients.
Performance-based
10% on profits, but only when your portfolio reaches a new high. According to the high-water mark principle, it only applies again when this high is surpassed – not just when the portfolio has recovered from a decline.
Broad diversification dampens fluctuations, but it does not eliminate them. The portfolio can be below what you invested for months or years.
Limited influence on individual positions. The selection of securities within a fund lies with the respective fund management. We select the funds carefully and review their investment strategies, but we have no direct influence on individual investment decisions.
Risks of fund management. Changes in the management team, deviations from the previous investment philosophy, or an increasing fund size can impair performance. We review these factors regularly and adjust our fund selection if necessary.
Currency and tax risks. International investments may be subject to exchange rate fluctuations, which have a positive or negative effect on performance. The tax treatment of income is based on your country of residence and your personal circumstances.
Best of Funds
Modern Value
What you own
Best of Funds
Actively managed equity and bond funds, supplemented by individual stocks
Modern Value
35 to 40 individual companies, supplemented by bond funds
Diversification
Best of Funds
Broadly across regions, sectors, and managers
Modern Value
Concentrated – Focus on individual companies
Fluctuation
Best of Funds
Smoothed by broader diversification
Modern Value
Higher, because individual securities have a greater impact
Suits you if
Best of Funds
quieter performance is more important to you than individual traceability
Modern Value
you want to invest in companies for the long term
Both investment strategies are available in five variations with different equity allocations. They are suitable for both private individuals and companies and can be managed as a joint custody account. Modern Value and Best of Funds can also be combined with each other.
How much influence do I have over my portfolio?
You decide which variation suits your investment goals and risk tolerance. The selection of individual funds is performed by us within the framework of the discretionary mandate. If you wish to take individual specifications for your portfolio into account, this is possible within the scope of Estably Premium .
How do you proceed in turbulent markets?
Even in difficult market phases, we adhere to our long-term investment principles. We continuously verify whether the selected fund managers consistently pursue their investment strategies and meet our quality standards. With the Asset Protect Strategy , your portfolio can additionally be supplemented by precious metals. However, price losses cannot be completely excluded.
Can I transfer an existing custody account?
A transfer of existing securities is generally possible. Since your assets are invested according to our investment strategy, existing positions may have to be sold if necessary. In many cases, it is therefore simpler to transfer the desired investment amount directly to your new account.
When will my money be invested?
As soon as your capital has been received in the account at your custodian bank, it is invested within the framework of our weekly investment cycle. Fees are only incurred once your assets have been invested.
How will I be informed about my portfolio?
Via your dashboard, you can view daily information on your portfolio and track the performance of your investments. Additionally, you will receive a full cost breakdown and the necessary tax documents once a year.
We would be happy to discuss this with you personally. Or you can open your portfolio directly online – a short questionnaire will suggest a suitable variant for you.
