Portfolio DOC with Discount Brokers
A discount broker is where you buy and sell securities. Portfolio DOC is where you decide what to buy and sell. The two are complements, not competitors. Portfolio DOC does not custody assets, does not execute trades, and does not require you to move your portfolio anywhere. Your broker stays your broker; Portfolio DOC adds the advisory layer that brokers have never claimed to provide.
What it is
Discount brokers are digital execution platforms that let investors buy and sell securities — stocks, ETFs, bonds, sometimes crypto — at low cost, often with zero or minimal commissions per trade. Their value proposition is simple and well-defined: cheap, fast, accessible market access. The German market is mature here, with many strong options. The boundary that discount brokers do not cross by design: they do not tell investors what to buy, when to reduce a position, or when to sell. They are platforms for execution, not advisors. The investor brings their own conviction; the broker provides the rails.
How Portfolio DOC relates
Portfolio DOC sits one layer above your discount broker. We do not custody your assets, we do not execute your trades, and we do not require you to move anything from where it is today. What we do is fill the gap that discount brokers leave open by design: continuous, individual investment advice on the portfolio you actually own. Each Portfolio DOC recommendation arrives with the underlying research and reasoning. You then place the trade with your existing broker — exactly as you do today. The two products are designed to work together, not against each other.
When to choose which
If you already use a discount broker and you are happy with the execution experience, keep your broker. The question is whether you also want professional, continuous investment advice on the portfolio inside that broker — the kind of guidance brokers do not provide. If yes, Portfolio DOC is the layer you have been missing. If no — if you are confident in your own security selection and timing, with no demand for outside advice — a discount broker alone is sufficient.
Portfolio DOC is the first Neo-Wealth Advisor designed to sit on top of any major discount broker in Germany, delivering single-stock investment advice — historically reserved for clients of private-banking institutions — without disturbing the broker relationship that already works for you. Keep your broker. Add the advice.