{"id":8357,"date":"2026-03-30T20:40:55","date_gmt":"2026-03-30T18:40:55","guid":{"rendered":"https:\/\/bicon.li\/?p=8357"},"modified":"2026-05-20T16:31:38","modified_gmt":"2026-05-20T14:31:38","slug":"etfs-oder-einzelaktien-zwei-robo-advisors-im-vergleich","status":"publish","type":"post","link":"https:\/\/bicon.li\/en\/2026\/03\/30\/etfs-oder-einzelaktien-zwei-robo-advisors-im-vergleich\/","title":{"rendered":"ETFs oder Einzelaktien? Zwei Robo-Advisors im Vergleich"},"content":{"rendered":"<h2 class=\"wp-block-heading\">Zwei Robo-Advisors im Vergleich: <a href=\"https:\/\/www.revolut.com\/en-LI\/robo-advisor\/\" target=\"_blank\" rel=\"noreferrer noopener\">Revolut <\/a>vs. <a href=\"https:\/\/willbe-invest.com\/de\/\" target=\"_blank\" rel=\"noreferrer noopener\">wiLLBe by LLB Banking<\/a><br><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Summary<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Beide Robo-Advisors stehen exemplarisch f\u00fcr die neue Generation der digitalen Verm\u00f6gensverwaltung:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>vollautomatisiert<\/li>\n\n\n\n<li>mobile-first &amp; skalierbar<\/li>\n\n\n\n<li>mit wachsender Bedeutung von Nachhaltigkeit (bei Revolut optional)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Doch entscheidend ist nicht die Oberfl\u00e4che \u2013 sondern die Logik dahinter.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Die Portfolioumsetzung unterscheidet sich fundamental:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2b1b\ufe0f <strong>Revolut:<\/strong><br>Globale, breite <strong>passive Diversifikation via ETFs<\/strong><br>\u2192 mit klarem US \ud83c\uddfa\ud83c\uddf8 Schwerpunkt (&gt;50%)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udfe9 <strong>wiLLBe:<\/strong><br>\u00dcberwiegend <strong>aktive Einzeltitelselektion<\/strong><br>\u2192 mit CH \ud83c\udde8\ud83c\udded Home Bias (~37%)<br>\u2192 erg\u00e4nzt durch Fondsbausteine (~33%)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Zwei L\u00f6sungen \u2013 zwei Investment-DNA.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">Detailanalyse \ud83d\udd0d<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">\u2b1b\ufe0f Revolut \u2013 am Beispiel der \"Aggressive Growth\" Strategie in EUR (CHF n.a.)<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Rein ETF-basiert, nahe an der strategischen Asset Allocation (SAA) bzw. benchmarknah umgesetzt<\/li>\n\n\n\n<li>Breite globale Diversifikation \u00fcber entwickelte M\u00e4rkte und Emerging Markets<\/li>\n\n\n\n<li>ETFs u. a. auf S&amp;P 500, Nasdaq 100, MSCI EM, Europe Stoxx 600, MSCI Europe Mid Caps, MSCI EM LA<\/li>\n\n\n\n<li>Die Allokation wurde 2026 sichtbar verbreitert \u2013 zuvor deutlich st\u00e4rker US- und Tech-lastig<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udcca<strong>Portfolio-Struktur:<\/strong><br>\u25ab\ufe0f 100 % Equity<br>\u25ab\ufe0f 13 ETFs<br>\u25ab\ufe0f Top 5 \u2248 66 %<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83c\udf0e <strong>Regionen:<\/strong><br>\u25ab\ufe0f 47 % USA \ud83c\uddfa\ud83c\uddf8<br>\u25ab\ufe0f 16 % Emerging Markets \ud83c\udde8\ud83c\uddf3\ud83c\uddf9\ud83c\uddfc\ud83c\uddee\ud83c\uddf3\ud83c\uddf0\ud83c\uddf7\ud83c\udde7\ud83c\uddf7\ud83c\uddf2\ud83c\uddfd\u2026<br>\u25ab\ufe0f 14 % Europa \ud83c\uddea\ud83c\uddfa\ud83c\uddec\ud83c\udde7\ud83c\uddf3\ud83c\uddf4\ud83c\udde8\ud83c\udded<br>\u25ab\ufe0f 3 % Japan \ud83c\uddef\ud83c\uddf5<br>\u25ab\ufe0f 20 % Sektor-ETFs \ud83c\udfed\ud83c\udfe6\u26cf\ufe0f<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udcf2 <strong>Operative Implementierung und Funktionalit\u00e4t:<\/strong><br>\u25ab\ufe0f\"Real Time\" Bewertung des Portfolios<br>\u25ab\ufe0fZeitnahe Umsetzung nach Einzahlung.<br>\u25ab\ufe0fGute Performanceauswertungen inkl. Benchmark-Vergleich.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udcb0 <strong>Kosten:<\/strong><br>\u25ab\ufe0f 0,75 % All-in-Fee<br>\u25ab\ufe0f + g\u00fcnstige ETF-Kosten<br>\u25ab\ufe0f teilweise synthetische Replikation \u2192 Quellensteueroptimiert<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kernlogik:<\/strong><br>Breite Diversifikation, geringe Komplexit\u00e4t, maximale Skalierbarkeit<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<h4 class=\"wp-block-heading\">\ud83d\udfe9 wiLLBe \u2013 am Beispiel der Strategie \"Share\" in CHF<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>wiLLBe folgt einem klar aktiven Investmentansatz<\/li>\n\n\n\n<li>Home Bias + selektive Konzentration statt maximaler Diversifikation<\/li>\n\n\n\n<li>Aktive Selektion von 21 Einzelaktien<\/li>\n\n\n\n<li>Erg\u00e4nzt durch einen zentralen World-Index-Core-Baustein (~19 %)<\/li>\n\n\n\n<li>sowie zwei thematische Satelliten (~15 %)<\/li>\n\n\n\n<li>Regelm\u00e4ssige Umschichtungen<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\ud83d\udcca Portfolio-Struktur:<\/strong><br>\u25ab\ufe0f 100 % Equity<br>\u25ab\ufe0f 24 Positionen<br>\u25ab\ufe0f Top 7 \u2248 52 %<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83c\udf0d <strong>Regionen (mit Fund Look-Through):<\/strong><br>\u25ab\ufe0f 37 % Schweiz \ud83c\udde8\ud83c\udded<br>\u25ab\ufe0f 19 % Europa \ud83c\uddea\ud83c\uddfa\ud83c\uddec\ud83c\udde7\ud83c\uddf3\ud83c\uddf4<br>\u25ab\ufe0f 43 % Nordamerika \ud83c\uddfa\ud83c\uddf8\ud83c\udde8\ud83c\udde6<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udcf2 <strong><strong>Operative Implementierung und Funktionalit\u00e4t<\/strong>:<\/strong><br>\u25ab\ufe0fTiefgehende Allocation Analysen in der App inkl. Fund Look-Through<br>\u25ab\ufe0fAusf\u00fchrliches PB Style Reporting<br>\u25ab\ufe0fEinmal w\u00f6chentlich Umschichtung\/Rebalancing sowie Investition nach Einzahlung<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udcb0 <strong>Kosten:<\/strong><br>\u25ab\ufe0f 0,49 % Management Fee<br>\u25ab\ufe0f ~0,3 % FX-Spread (innerhalb des Mandats)<br>\u25ab\ufe0f Themenfonds mit hoher TER (~1.5-2 %)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kernlogik:<\/strong><br>Selektion, \u00dcberzeugung, aktives Steering<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u2696\ufe0f Was wirklich verglichen wird<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Das soll kein Featurevergleich sein, sondern ein aufzeigen von unterschiedlichen Investment-Ans\u00e4tze:<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u2b1b\ufe0f Modell 1: ETF-basierte SAA<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\u25ab\ufe0f kosteneffizient<br>\u25ab\ufe0f transparent<br>\u25ab\ufe0f standardisiert<br>\u25ab\ufe0f hoch skalierbar<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 Ziel: <strong>Marktrendite effizient abbilden<\/strong><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\ud83d\udfe9 Modell 2: Aktives Portfolio<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\u25ab\ufe0f fokussiert<br>\u25ab\ufe0f analyseintensiv<br>\u25ab\ufe0f erkl\u00e4rungsbed\u00fcrftig<br>\u25ab\ufe0f n\u00e4her an klassischer Verm\u00f6gensverwaltung<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udc49 Ziel: <strong>Mehrwert durch Selektion<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u265f\ufe0f Strategische Einordnung<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Die zentrale Frage ist nicht: <em>Was ist besser?<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sondern:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Wird sich die ETF-Logik durchsetzen<br>\u2013 als dominante, industrialisierte L\u00f6sung?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Oder bleibt aktives Management relevant<br>\u2013 als differenzierendes Modell?<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udc68\u200d\ud83d\udcbc Meine pers\u00f6nliche Sicht<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Die Richtung ist klar:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Die Basis wird ETF-getrieben. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Warum? Weil sie:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>g\u00fcnstiger<\/li>\n\n\n\n<li>transparenter<\/li>\n\n\n\n<li>einfacher skalierbar ist<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Aktives Management bleibt \u2013 aber nur, wenn es liefert:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Nicht Story<\/li>\n\n\n\n<li>Nicht Komplexit\u00e4t<\/li>\n\n\n\n<li>Sondern Performance<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udca1 Takeaway<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Indexnahes Beta wird zur Commodity<\/li>\n\n\n\n<li>Alpha \u2013 die \u00dcberrendite gegen\u00fcber der Benchmark \u2013 muss geliefert werden und ist nachweislich schwierig konsistent zu erreichen<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Oder anders gesagt:<br>Die Zukunft geh\u00f6rt nicht \u201eaktiv\u201c oder \u201epassiv\u201c \u2013 sondern denen, die ihren Ansatz nachweisbar rechtfertigen k\u00f6nnen.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u26a0\ufe0f Disclaimer<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Dies stellt keine Anlageberatung, Anlageempfehlung oder Aufforderung zum Kauf oder Verkauf von Finanzinstrumenten dar.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Ich bin in beide Robo-Advisors investiert und habe dadurch Einblick in die dargestellten Portfolien.<br>An der Entwicklung oder Umsetzung der L\u00f6sungen war ich in keiner Form beruflich beteiligt.<\/em><\/p>","protected":false},"excerpt":{"rendered":"<p>Zwei Robo-Advisors im Vergleich: Revolut vs. wiLLBe by LLB Banking ... <\/p>\n<p class=\"read-more-container\"><a title=\"ETFs oder Einzelaktien? 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Zwei sehr erfolgreiche Banken (\"best in class\"), die auf den ersten Blick kaum unterschiedlicher sein k\u00f6nnten: hier die global skalierende Finanzplattform, dort der spezialisierte internationale Wealth Manager. Beide sind hoch\u2026","rel":"","context":"In &quot;Client Management&quot;","block_context":{"text":"Client Management","link":"https:\/\/bicon.li\/en\/category\/clientmanagement\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2026\/03\/Revolut-vs-LGT-scaled.png?fit=1200%2C561&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2026\/03\/Revolut-vs-LGT-scaled.png?fit=1200%2C561&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2026\/03\/Revolut-vs-LGT-scaled.png?fit=1200%2C561&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2026\/03\/Revolut-vs-LGT-scaled.png?fit=1200%2C561&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2026\/03\/Revolut-vs-LGT-scaled.png?fit=1200%2C561&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":5396,"url":"https:\/\/bicon.li\/en\/2022\/12\/23\/disruptive-digitale-innovationen-im-banking\/","url_meta":{"origin":8357,"position":2},"title":"Disruptive Digitale Innovationen im Banking","author":"Volkmar Ritter","date":"2022-12-23","format":false,"excerpt":"Digitale Innovationen verfolgen grunds\u00e4tzlich zwei Ziele: Mehr Effizienz und Automatisierung einerseits sowie Markt-, Service- und Produktneuheiten andererseits. Es gibt im Banking viele Beispiele von Innovationen f\u00fcr zus\u00e4tzliche Effizienz. Man denke beispielsweise an Neo-Banken, SEPA Instant Payments, elektronische B\u00f6rsen, Trading Apps oder Robo-Advisors. Alle befassen sich mit klassischen Bankprodukten und -services\u2026","rel":"","context":"In &quot;Artificial Intelligence&quot;","block_context":{"text":"Artificial Intelligence","link":"https:\/\/bicon.li\/en\/category\/artificialintelligence\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2022\/03\/img_2467.jpg?fit=1200%2C711&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2022\/03\/img_2467.jpg?fit=1200%2C711&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2022\/03\/img_2467.jpg?fit=1200%2C711&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2022\/03\/img_2467.jpg?fit=1200%2C711&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2022\/03\/img_2467.jpg?fit=1200%2C711&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":6644,"url":"https:\/\/bicon.li\/en\/2024\/03\/03\/the-transformative-impact-of-exchange-traded-funds\/","url_meta":{"origin":8357,"position":3},"title":"The Transformative Impact of Exchange-Traded Funds (ETFs)","author":"Volkmar Ritter","date":"2024-03-03","format":false,"excerpt":"Exchange-Traded Funds (ETFs) have emerged as a pivotal innovation in financial markets, markedly influencing investment strategies, wealth management, and overall market efficiency. This article explores the multifaceted role of ETFs in: Democratizing investing Disrupting traditional wealth management paradigms Enhancing financial market efficiency This article aims to shed light on the\u2026","rel":"","context":"In &quot;Asset Management&quot;","block_context":{"text":"Asset Management","link":"https:\/\/bicon.li\/en\/category\/assetmanagement\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2024\/03\/img_5923.jpg?fit=562%2C240&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2024\/03\/img_5923.jpg?fit=562%2C240&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/bicon.li\/wp-content\/uploads\/2024\/03\/img_5923.jpg?fit=562%2C240&ssl=1&resize=525%2C300 1.5x"},"classes":[]},{"id":7027,"url":"https:\/\/bicon.li\/en\/2025\/04\/16\/ai-in-financial-services-applications-industry-comparisons-and-practical-impact\/","url_meta":{"origin":8357,"position":4},"title":"AI in Financial Services: Applications, Industry Comparisons and Practical Impact","author":"Volkmar Ritter","date":"2025-04-16","format":false,"excerpt":"Artificial Intelligence (AI) has become a transformative force across multiple industries, including finance, where its integration has enhanced efficiency, risk management, compliance, and customer engagement. 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Die Smartphone-Bank Revolut hat im letzten Jahr auch hierzulande m\u00e4chtig zugelegt. 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