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The ZKB has done it again! They are changing their fees on the 3a retirement savings app Frankly again! But in our favor 🙂
Who our great Frankly Review has not yet seen the should definitely take a look. Who is already a customer and is now wondering, learns what the Frankly fees 2021 make.
If you have any more questions on the topic, we look forward to an exchange in the comments!
The ZKB works with the Frankly Community Discount, where with increasing pension assets in Frankly, an increased community discount is passed on. In other words, the more assets, the cheaper it is for us customers.
In November 2021, the 1000 million mark has now been exceeded, making the Frankly fee drops from 0.46% to 0.45%!
On a more positive note, of course, the 0.44% is now within reach and the community can look forward to even lower Frankly fees.
Frankly fees are straightforwardly structured with what is called an all-in fee. The different Frankly Investment strategies include various products and differ, for example, in their equity content. By the way, you can find the details in the Frankly ReviewWe do not wish to repeat them here.
If you look closely at the details of the individual Frankly strategies, you will see that the products used incur different fees. For clients this does not matter, the Frankly All-In fee remains constant at its current 0.47% for clients. This is straightforward, but in detail ZKB obviously earns less on some strategies than others.
Simple example: A strategy with fewer shares costs ZKB itself less in fees than a Frankly strategy with a high share quota. The flat Frankly fee for us clients therefore results in higher income for ZKB for strategies with few shares.
Is that unfair? No, every service provider has to earn its money somewhere. Especially since the All In fee is particularly inexpensive compared to the competition, especially with high share quotas.
Kann you use this information in a targeted manner? If you use a high equity allocation with Frankly (such as the "Ambitioniert" or "Chancenorientiert" strategy), you will receive a high equity allocation with relatively very low fees.
Until the next community discount level is reached probably still some time will pass. But the current 0.45% were reached quickly and we are of course happy about the lowered Frankly Fees. Do you take your Retirement 2021 or have you already solved the 3rd pillar for yourself via a savings plan?
Do you have any more questions or suggestions on this topic?
Leave us a comment there!
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