Plutos Vermögensverwaltung

What Plutos Vermögensverwaltung does

Plutos Vermögensverwaltung AG is an independent, BaFin-licensed German wealth manager headquartered in Frankfurt am Main, operating under §15 WpIG (BaFin number 118244) and as a member of the Verband unabhängiger Vermögensverwalter (VuV). Founded in 1992 and structured as an Aktiengesellschaft with a two-person Vorstand (CEO Kai Heinrich and board member Thomas Gotta) supervised by an Aufsichtsrat chaired by Dr. Bernd Türk, the firm serves affluent to high-net-worth and ultra-high-net-worth individuals across Germany, with a recently added international desk serving Switzerland and the Asia-Pacific region.

The firm operates a three-tier product architecture: Plutos Starter provides digital self-service wealth management via V-Bank custody with full online onboarding and minimums from EUR 25,000-50,000; Plutos Essential offers professional discretionary portfolio management across defensive to 100%-equity strategies for clients starting around EUR 250,000; and Plutos Modular combines twelve specialist asset-class modules (Trend-Sectors, Dividends, Opportunities, Small- & Mid-Caps, Healthcare, Made in Germany, Real Estate, Megatrends, High Growth, Bonds, Crypto Assets, Precious Metals) for fully bespoke construction. Underlying technology is a digital onboarding and reporting platform integrated with V-Bank Munich for custody and settlement, complemented by HubSpot for marketing automation and an in-house distribution platform called FondsHub. Investment decisions are human-driven; AI/ML is referenced only as a thematic investment area, not as operational infrastructure.

Revenue is generated through annual management fees (around 1.19% incl. VAT on average depot value, billed quarterly), performance fees (17.85% incl. VAT on returns above a 4% hurdle rate), and pass-through custody/transaction fees from V-Bank, with no entry loads or hidden fees. Go-to-market combines content-led acquisition (financial blog, podcast, weekly Wochenausblick video, whitepapers) with both digital self-service onboarding and traditional relationship-led advisory, alongside a dedicated international channel under Thomas Chung.

Name

Plutos Vermögensverwaltung

Legal name

Plutos Vermögensverwaltung AG

Website

https://plutos.de

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

11–50 employees

Short description

Plutos Vermögensverwaltung AG is an independent, BaFin-licensed German wealth manager headquartered in Frankfurt, offering digital (from EUR 25,000-50,000) and bespoke discretionary portfolio management across modular, thematic, and traditional strategies for affluent and high-net-worth individuals in Germany, Switzerland, and Asia-Pacific.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Hybrid Advice (Advisor + Digital) Platforms (FSAAAAAE)

akta.pro secondary industries

Robo-Advisors & Digital Wealth Managers (FSAAAAAD), Digital/Hybrid Robo-Wealth & Retirement Advisory (FSAEABAK)

Keywords

• Wealth management services
• Discretionary portfolio management
• Independent asset management
• Digital wealth management
• Private banking

Headquarters

HQ city

Frankfurt

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Asset Management Fees (Verwaltungsgebühren): Annual fee charged as a percentage of the average portfolio/depot value (e.g., 1.19% incl. VAT for the Megatrend strategy), billed quarterly. This is the primary revenue stream based on assets under management.
2. Performance Fees (Erfolgsbonus): Success-based fee charged only when returns exceed a defined hurdle rate. For the Megatrend strategy: 17.85% incl. VAT of excess return above 4% return (high-water mark / hurdle rate structure).
3. Deposit Bank Fees (Depotbank-Gebühren): Fees charged by the V-Bank for custody and transaction services. For the Megatrend strategy: 0.0714% incl. VAT on total assets (minimum EUR 35.70 incl. VAT), plus EUR 5.00–25.00 per transaction (0.2% of order volume). These fees are passed through to clients.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Plutos Vermögensverwaltung AG is an independent German wealth manager (BaFin-licensed, §15 WpIG) that delivers discretionary portfolio management to affluent and high-net-worth individuals through three tiers: Plutos Modular (full customization across 12 asset-class modules), Plutos Essential (professionally managed portfolios across the risk spectrum from 25% to 100% equities, plus dividends, megatrends, small- & mid-caps, fund strategies, cryptocurrency, foundation strategy, and trend-following), and Plutos Starter (digital onboarding from EUR 25,000–50,000). The firm provides tailored wealth strategies with transparent asset-based and performance-linked fees and integrates digital self-serve onboarding with personal advisory relationships.

Product overview

Plutos Vermögensverwaltung AG is an independent wealth management firm offering three-tier discretionary portfolio management products: Plutos Modular (highest customization with 12 investment modules including equities, bonds, real estate, crypto, precious metals, healthcare, and megatrends), Plutos Essential (professionally managed with 10+ strategy options from defensive 25 to 100% equity), and Plutos Starter (digital entry point starting at EUR 25,000-50,000). The digital wealth management platform is powered by V-Bank as custody partner. Core strategies include equity (Growth, Chance), dividend-focused investing, small & mid-caps, trend following, megatrends, cryptocurrency, bonds, fund strategies, and foundation/endowment portfolios. The company also provides educational content via financial podcast, weekly market outlook videos, and downloadable whitepapers on dividend stocks and cryptocurrency investing.

Differentiator

Problem solved

Functional benefit

Brands

• Plutos Modular: Highest individuality with maximum flexibility - clients choose from 12 different investment class modules to create their individual portfolio
• Plutos Essential
• Plutos Starter
• Plutos Megatrend
• Plutos Trendfolge
• Plutos Stiftungsstrategie
• Plutos Kryptowährungen
• Fondsstrategie 100
• Fondstrategie 75
• Small- & Mid-Caps Strategie
• Plutos Dividendenstrategie
• High-Growth-Investing Strategie

Products and services

• Plutos Modular Plutos Modular is a discretionary modular portfolio management offering combining 12 dedicated asset-class modules (Trend-Sectors, Dividends, Opportunities, Small- & Mid-Caps, Healthcare, Made in Germany, Real Estate, Megatrends, High Growth, Bonds, Crypto Assets, Precious Metals) each managed by a specialist portfolio manager. The client and personal advisor compose a fully customized portfolio from these modules.
• Plutos Essential Plutos Essential is a professionally managed wealth management service combining active investment decisions with flexibility to accommodate individual client preferences. It includes strategies ranging from defensive (Defensiv 25, up to 25% equities) to pure equity (Chance 100, up to 100%) portfolios, plus specialized strategies for dividends, small & mid-caps, fund strategies, cryptocurrency, foundations (Stiftungsstrategie), megatrends, and trend following.
• Plutos Starter Plutos Starter is an entry-level digital wealth management solution starting at EUR 50,000 minimum investment. It offers strategies including Balance (up to 50% equities), Growth (up to 75% equities), Chance (up to 100% equities), and Megatrends, with efficient online onboarding and transparent costs.
• Plutos Balance 50 Plutos Balance 50 is a balanced digital investment strategy with up to 50% equities, combining interest income with capital appreciation potential. It invests in global equities, global bonds with European focus, and may include precious metals.
• Plutos Chance 100 Plutos Chance 100 is a maximum-equity digital strategy (up to 100% equities) for investors with high risk tolerance, targeting maximum capital growth through equity and currency gains in developed and emerging markets.
• Plutos Trendfolge Plutos Trendfolge is a systematic equity selection strategy following the rule 'Let profits run, limit your losses.' It invests from a universe of approximately 1,000 stocks, equally weighted at purchase, holding until sell signals are triggered, using asymmetrical entry and exit rules based on trend indicators without forecasting. Minimum investment EUR 250,000.
• Plutos Megatrends (fund-based) Plutos Megatrends is a long-term thematic investment strategy focused on global megatrends such as renewable energy, artificial intelligence, and healthcare technologies. It combines a global fund strategy with thematic fund selection for sustainable, long-term growth. Minimum investment EUR 100,000.
• Plutos Megatrend Strategy Plutos Megatrend Strategy is a multi-asset strategy investing in global equities focused on megatrends such as renewable energy, artificial intelligence, and health technologies, with up to 100% equity allocation. Minimum investment EUR 50,000 with a 7-year recommended minimum investment horizon; 1.19% p.a. management fee plus a 17.85% performance fee above a 4% hurdle rate.
• Plutos Dividendenstrategie Plutos Dividendenstrategie is a dividend-focused equity strategy investing in global dividend-paying stocks with established quality parameters. It targets regular liquidity flow from portfolios through consistent dividend payments, focusing on historically reliable dividend-strong sectors including utilities, insurers, pharma, and chemicals.
• Small- & Mid-Caps Strategy Small- & Mid-Caps Strategy invests in globally diversified and concentrated portfolios of small and mid-cap stocks. The strategy targets companies with risk-adjusted outperformance versus blue chips and positive diversification effects, leveraging the agility, niche dominance, and innovation potential of smaller companies.
• Plutos Kryptowährungen Strategy Plutos Kryptowährungen Strategy is a cryptocurrency investment strategy investing in the six largest cryptocurrencies covering approximately 80% of the market. It uses market-cap weighting with regular rebalancing and positions cryptocurrency as an alternative asset class for portfolio diversification independent of traditional markets.
• Plutos Stiftungsstrategie Plutos Stiftungsstrategie is a conservative 40% equities / 60% bonds portfolio designed for foundations and endowments. It combines the stability of bond income with growth potential from equities, with a fixed allocation and annual rebalancing for stable returns at reduced risk.
• Fondsstrategie 100 Fondsstrategie 100 is a fully equity fund investment strategy combining Plutos forecasts on economic indicators, megatrend investments, and selection of top-performing fund managers across megatrends including biotechnology, climate change, cybersecurity, and generative AI.
• Fondsstrategie 75 Fondsstrategie 75 is a balanced fund strategy combining 75% equity funds with 25% bond and mixed funds, balancing growth opportunities and stability through Plutos forecasts, megatrend investments, and active fund manager selection.
• High-Growth-Investing Strategy (HGI) High-Growth-Investing (HGI) is an actively managed portfolio investing in global technology and growth stocks including standard values and second/third-tier companies with high potential, with possible ETF and cryptocurrency allocations. Minimum investment EUR 25,000. The strategy is supplied as an exclusively licensed model portfolio from Stefan Waldhauser, with each transaction reviewed by Plutos for regulatory and contractual compliance.

Quantifiable outcome

• Trend-Sector module: +40.81% (2 years), +9.24% (1 year), per March 26, 2025
• +4 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

Four partnerships are on record, tiered core and minor.

• V-Bank AG (Munich)coreTechnology or IntegrationV-Bank serves as the custody and settlement bank for all client assets held in depot at Plutos. The bank's technology platform powers the digital wealth management offerings, enabling fully digital onboarding, transaction processing, and reporting. Client securities are held in the client's own name (not as issuer risk), providing regulatory protection. Plutos acts as the investment manager, V-Bank as the custodian.
• Verband unabhängiger Vermögensverwalter Deutschland e.V. (VuV)minorOthersPlutos Vermögensverwaltung AG is a member of the Association of Independent Asset Managers Germany (VuV). The VuV operates an ombudsman scheme (VuV-Ombudsstelle) for dispute resolution in financial services. Membership obligates Plutos to participate in VuV arbitration proceedings for asset-related disputes.
• Stefan Waldhauser (High-Growth Investing Strategy)coreStrategic or Co-development PartnerStefan Waldhauser provides an exclusively licensed High-Growth Investing (HGI) strategy to Plutos, supplying a model portfolio and trade signals. Plutos reviews each transaction for regulatory and contractual compliance before execution. This is a core digital strategy offering for the Plutos Starter tier.
• FondsHubminorChannel Partner/ Reseller/ DistributorFondsHub is a digital platform operated by Plutos where selected fund strategies are offered. Plutos plans to expand the platform to allow other companies to offer their fund strategies. It represents a channel partnership for distributing Plutos's fund strategies.

Scale indicators5 records

Recent moves6 records

Expansion highlights7 records

Direct peers

• Flossbach von Storch AG: One of Germany's largest independent asset managers, offering discretionary wealth management and mutual funds to affluent and HNW clients. Directly comparable to Plutos as an unabhängiger Vermögensverwalter with multi-strategy capabilities, though at significantly larger scale.
• DJE Kapital AG: German independent asset manager (Dr. Jens Ehrhardt group) offering multi-strategy discretionary wealth management and funds, based near Munich. Comparable to Plutos as an independent German wealth manager with multi-strategy capabilities.
• GANÉ Aktiengesellschaft: Independent German wealth manager founded 2002, focused on dividend strategies and equity-oriented discretionary portfolios for HNW clients. Strongly comparable to Plutos on independence, equity/dividend strategy focus, and HNW German clientele.
• Quirin Privatbank AG: Berlin-based German private bank operating a hybrid digital wealth management platform ( quirion) alongside advisor-led private banking. Direct peer to Plutos on the hybrid digital + advisor model and German HNW target market.
• Scalable Capital: One of Germany's largest digital wealth managers / robo-advisors, offering low-cost online portfolio management to affluent investors. Directly comparable to Plutos Starter on digital onboarding and lower entry thresholds, but pure-play digital versus Plutos' hybrid model.
• Liqid Asset Management: Berlin-based German digital wealth manager offering professionally managed ETF and active portfolios to affluent and HNW investors. Comparable to Plutos Starter on the digital managed-portfolio model, particularly for HNW entry points.

Broad incumbents

• Hauck & Aufhäuser Lampe Privatbank AG: Frankfurt-based German private bank offering wealth and asset management alongside corporate banking. Comparable to Plutos on wealth management services for HNW clients, but with a broader product portfolio and institutional scale.
• Berenberg Privatbankiers: Major Hamburg-based German private bank offering private wealth management, asset management, and investment banking. Comparable to Plutos on German HNW wealth management, though at materially larger scale and with broader capabilities.
• Warburg Bank (M.M. Warburg & CO): Hamburg-based independent German private bank offering wealth management, asset management, and corporate banking. Comparable to Plutos on independent German private banking and HNW wealth management, though with broader institutional capabilities.

Emerging players

• Whitebox GmbH: German robo-advisor offering factor-based ETF portfolios via a digital platform. Comparable to Plutos Starter on the digital wealth management model, but more narrowly focused on systematic factor investing.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeplutos.de/finanzpodcast
• Xx.com/plutos_ag
• Facebookfacebook.com/PlutosAG

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles22 records

Funding overview

Funding rounds

Investors

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 Plutos Vermögensverwaltung