Savings plan (Sparplan)
An automatic, regular investment of a fixed amount into ETFs, funds or stocks.
In short
As of 5 October 2026A savings plan is an automatic, regular investment of a fixed amount into ETFs, funds or stocks, at many providers from 1 to 25 euros per instalment. You do not need to time the market: at low prices you buy more units, at high prices fewer. Saving 100 euros a month means 12,000 euros paid in after ten years.
With a savings plan (German: Sparplan) you invest a fixed amount every month or quarter without placing an order yourself each time. Many providers allow rates from 1 to 25 euros.
The benefit: you don't need to time the market. When prices are low you automatically buy more units, when they are high fewer. This is called cost averaging.
Example: you save 100 euros a month into an MSCI World ETF. After ten years you have paid in 12,000 euros. What it grows to depends on the market and is not guaranteed. Savings plans are very common in Germany.
Sources
As of 5 October 2026 · Educational content, not investment or tax advice.