LIQID Investments

What LIQID Investments does

LIQID Investments is a Berlin-based digital wealth management firm founded in 2016 that delivers professional, Family-Office-style investment solutions to affluent and high-net-worth individuals across Germany and Europe. The company operates a dual-entity structure: LIQID Investments GmbH holds the technology, product, marketing, operations, finance, legal, and people functions, while its wholly-owned subsidiary LIQID Asset Management GmbH holds the BaFin license under the German Securities Institutions Act (WpIG) for financial portfolio management, investment advisory, and brokerage. As of late 2025, LIQID supervises more than EUR 4 billion in client assets for over 10,000 customers.

The platform combines a digital self-service front end (web and mobile app with paperless onboarding and Google SSO) with high-touch relationship management available via phone, video, chat, or in-person meetings in Berlin and Munich. Core technology includes daily algorithmic rebalancing across multiple risk classes and multi-provider ESG data integration (MSCI, Morningstar, ISS ESG, LSEG Data & Analytics, Sustainalytics, plus LGT Bank's proprietary Sustainability Rating). The product suite spans Cash Management (EUR 100,000 minimum, 0.45% max all-in cost, 2.8% expected return), Wealth Management (EUR 100,000 minimum, ETF-based with optional active funds or sustainability overlays), Private Markets NXT (EUR 20,000 minimum, ELTIF-structured Private Equity, Private Debt, and Infrastructure for retail), Private Markets PRO (EUR 200,000 minimum, professional PE and VC), and ESG-focused LIQID Global Future / Global Future+ strategies.

Revenue is generated through recurring AUM-linked management and product fees across the tiered product stack, with pricing decreasing at higher investment amounts. GTM is hybrid: content marketing (LIQID Smart Letter newsletter, That's Smart Money podcast, Smart Saturday webinars, LIQID Essentials) drives top-of-funnel awareness, while dedicated relationship managers convert and retain clients in the higher tiers. Strategic data and infrastructure partnerships (Upvest for banking, IVA for independent portfolio certification) and a 7-fold Capital magazine award profile underpin brand positioning. Cumulative disclosed funding since founding totals approximately $190 million, with the most recent Series C (~$104 million) led by LGT group in July 2021.

Name

LIQID Investments

Legal name

LIQID Investments GmbH

Website

https://liqid.de

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

101–250 employees

Short description

LIQID Investments is a Berlin-based, BaFin-regulated digital wealth manager founded in 2016 that serves affluent and high-net-worth investors across Germany and Europe with algorithmically rebalanced ETF portfolios, cash solutions, and ELTIF-structured private markets access from EUR 20,000, managing over EUR 4 billion in client assets for more than 10,000 customers.

Ownership category

akta.pro rank

Product category

Digital Wealth Management

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394), All Other Financial Investment Activities (52399)

SIC

Investment Advice (6282)

akta.pro primary industry

Alternatives & Multi-Asset Digital Wealth Platforms (PE/VC/Real Assets access) (FSAGAEAL)

akta.pro secondary industries

High-Net-Worth & Private Wealth Digital Platforms (Digital Private Banking) (FSAGAEAI), Alternative Investments for Private Wealth (Hedge Funds, PE/VC Access, Private Credit) (FSAAABAI)

Keywords

• Digital wealth management
• Private equity access
• Portfolio management
• Investment advisory services
• Alternative investments

Headquarters

HQ city

Berlin

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Wealth Management Fees: Ongoing management fees for diversified ETF portfolios and personalized investment strategies. Fees decrease with increasing investment amounts. Maximum management and transaction costs of 0.45% p.a. stated for Cash Management product.
2. Private Markets Access Fees: Fees for access to Private Equity, Private Debt, Infrastructure, and Venture Capital products. Products include NXT tier (from 20,000 EUR) and PRO tier (from 200,000 EUR).
3. Cash Management Fees: Management fees for institutional money market and bond portfolios with 2.8% expected return

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels8 records

Core offering

LIQID provides digital wealth management services to affluent and high-net-worth individuals, offering customized ETF-based wealth portfolios, institutional money market and bond cash management, and access to private market investments (Private Equity, Private Debt, Infrastructure, Venture Capital) through ELTIF structures. The platform combines algorithmic portfolio rebalancing, multi-provider ESG integration, and a mobile/web app with relationship manager advisory support. Minimum investments range from 20,000 EUR (Private Markets NXT) to 200,000 EUR (Private Markets PRO).

Product overview

LIQID is a digital wealth management platform offering a tiered suite of investment solutions. The core platform provides Wealth Management (customized ETF portfolios) and Cash Management (institutional money market and bond portfolios at 2.8% expected returns), both accessible from 100,000 EUR. The Private Markets NXT sub-brand democratizes Private Equity, Private Debt, and Infrastructure for retail investors starting at 20,000 EUR via ELTIF structures. For experienced investors (200,000 EUR minimum), Private Markets PRO provides access to professional-grade Private Equity and Venture Capital funds. LIQID Global Future and LIQID Global Future+ are ESG-focused investment strategies (Art. 8 SFDR) with algorithmic rebalancing, offering 10 and 9 risk classes respectively, and certified by the Institut für Vermögensaufbau (IVA). The ecosystem is tied together through a digital app for portfolio monitoring.

Differentiator

Problem solved

Functional benefit

Brands

• Private Markets NXT: Private Equity, Private Debt, and Infrastructure products designed specifically for retail investors starting at 20,000 EUR
• Private Equity PRO
• Venture PRO
• Wealth Management
• Cash Management

Products and services

• Wealth Management Individually tailored ETF portfolios for wealth preservation and growth, optionally including active funds, Private Equity, or sustainable investing strategies. Minimum investment 100,000 EUR. Targeted at affluent and high-net-worth individuals seeking diversified, professionally managed portfolios at lower cost than traditional banks.
• Cash Management Institutional-grade money market and bond portfolios offering 2.8% expected annual return with daily tradability, broad diversification, and asset segregation protection. Maximum management and transaction costs of 0.45% p.a. Minimum investment 100,000 EUR. Positioned as a smart alternative to term and savings deposits.
• Private Markets NXT Sub-brand encompassing Private Equity NXT, Private Debt NXT, and Infrastructure NXT products that democratize institutional-grade alternative investments for retail investors through semi-liquid ELTIF structures, with a minimum entry of 20,000 EUR.
• Private Equity NXT Semi-liquid ELTIF product providing growth potential through non-public equity investments in the global mid-market, accessible to retail investors as an extension to public-market portfolios.
• Private Debt NXT Provides steady returns through secured lending to businesses, offering regular distributions and diversification from traditional equity and bond markets.
• Infrastructure NXT Offers stable returns through investments in real assets such as infrastructure projects, providing inflation protection and long-term cash flows.
• Private Equity PRO Professional Private Equity portfolio offering curated access to leading Private Equity funds for experienced investors with a minimum investment of 200,000 EUR, accessible via a specialized onboarding portal for accredited investor verification.
• Venture PRO Professional Venture Capital portfolio providing curated access to leading venture capital funds for experienced investors with a minimum investment of 200,000 EUR.
• LIQID Global Future Passive, rule-based investment strategy considering environmental and social factors, offered across ten risk classes (10-100). Uses ESG-rated funds and algorithmic rebalancing to optimize risk-return profiles while promoting sustainability characteristics per Art. 8 SFDR. Holds the highest IVA certification (5/5 stars and 5/5 trees).
• LIQID Global Future+ Advanced version of LIQID Global Future that supplements the liquid portfolio of stocks, bonds, gold, and money market with an allocation in ELTIFs (European Long-Term Investment Funds), offering semi-liquid Private Markets exposure to retail investors across nine risk classes.

Quantifiable outcome

• Assets under management exceed 4 billion EUR
• +5 more outcomes

Named customers7 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability1 record

Feature4 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• LGT Bank (Switzerland) Ltd.coreTechnology or IntegrationProvides proprietary Sustainability Rating data integrated into LIQID's ESG analysis for portfolio construction and client reporting.
• MSCIcoreTechnology or IntegrationPrimary ESG data provider for measuring and evaluating sustainability of investments. Used for rating securities and constructing sustainable portfolios.
• MorningstarcoreTechnology or IntegrationProvides ESG ratings and sustainability data for investment analysis and annual reporting for PAI statements.
• ISS ESGcoreTechnology or IntegrationIndependent ESG rating provider used for portfolio certification and sustainability analysis. Part of consensus rating methodology.
• LSEG Data & AnalyticscoreTechnology or IntegrationIndependent data provider for ESG ratings and analytics. Used for fund selection and portfolio sustainability assessment.
• SustainalyticscoreTechnology or IntegrationESG risk rating provider integrated into consensus rating methodology for portfolio certification by IVA.
• VuV - Verband unabhängiger Vermögensverwalter Deutschland e.V.coreOthersMember of the Association of Independent Asset Managers Germany. Required to participate in dispute resolution through VuV Ombudsstelle for wealth-related disputes.
• Institut für Vermögensaufbau (IVA)coreStrategic or Co-development PartnerIndependent German institution for wealth building certification. Quarterly reviews and certifies LIQID Global Future portfolios for risk-return and ESG quality.
• Miles & MoreminorOthersLoyalty program partnership offering Miles & More points as employee benefit.
• UpvestcoreTechnology or IntegrationBanking infrastructure partner enabling modern fintech solutions. Part of LIQID's approach to breaking traditional conservative financial structures with smart technology.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Scalable Capital: Munich-based digital wealth and brokerage platform serving German/European retail and HNW clients with ETF portfolios and trading. Directly comparable to LIQID on geography, customer base and digital wealth model, though Scalable leans more toward self-directed trading and B2B.
• Moneyfarm: UK-founded, Italy-headquartered digital wealth manager offering managed ETF portfolios and pension products across Europe. Closely comparable on digital advisory model, multi-country European footprint and managed-portfolio fee structure.
• Nutmeg: JPMorgan-owned UK digital wealth manager offering diversified ETF portfolios, ISAs and SIPPs with similar minimums and fee structure. Comparable on managed ETF portfolios, fee-based revenue and European retail/HNW targeting.
• Moonfare: Berlin-based digital platform providing curated private equity and private debt fund access to individual investors via feeder structures. Directly comparable to LIQID's Private Markets NXT/PRO tiers and a key competitor in German retail private markets.

Emerging players

• Trade Republic: Berlin-based mobile broker with a fast-growing savings/wealth product set (Tagesgeld, savings plans, managed portfolios). Increasingly overlapping with LIQID in German affluent retail, though Trade Republic's DNA is brokerage-first and tickets are lower.
• Bitpanda: Vienna-based retail investment platform expanding from crypto into stocks, ETFs and wealth products. Comparable as a European digital investment platform targeting retail, though with broader product breadth and lower minimums than LIQID.

Broad incumbents

• Wealthsimple: Canadian digital wealth manager offering managed portfolios, trading and private market/alternative products (e.g., private equity, venture). Similar model to LIQID's digital + advisor hybrid and alternative-asset expansion, though operating in North America.
• DWS Group: Frankfurt-listed global asset manager (Deutsche Bank subsidiary) offering institutional and digital wealth products. Comparable as a major German asset manager with digital distribution, though at vastly larger scale and across more traditional channels.
• Vanguard Personal Advisor: Hybrid robo-advisor from Vanguard offering ongoing portfolio management and advisor access with low fees. Comparable on digital wealth model and low-cost index investing philosophy, though with global scale and a much larger fund ecosystem.

Regional players

• Raisin: Berlin-based deposit and investment marketplace across Europe offering savings, term deposits and curated investment products. Comparable as a German-anchored European fintech democratizing access to financial products, though heavier on deposits than wealth management.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/liqid
• Xx.com/liqid
• Facebookfacebook.com/LIQIDInvestments

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles21 records

Subsidiaries1 record

Funding overview

Funding rounds6 records

Investors7 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about LIQID Investments