willbe: saving and investment

willbe brings the values of Liechtensteinische Landesbank (LLB), a highly secure bank, to your smartphone investments. That includes active asset management at ETF prices, as well as gold, savings solutions and foreign currencies. Stability and growth – clever, fair, simple. willbe is the smart way to diversify your assets and give them a solid foundation for the long term – with attractive savings interest, gold and sustainable investments. Download the willbe app to benefit from the following features:

willbe cash account:

• Worry-free, risk free savings
• Benefit from top interest rates in four currencies (EUR, CHF, USD, GBP)
• No fees, no tie-in, daily access

willbe fixed deposit account:

• Fixed interest rates from 1 month to 10 years
• Save in four currencies (EUR, CHF, USD, GBP)
• Free of charge, no hidden fees, cancellable daily

willbe Gold:

- Invest in real gold, safely stored in Liechtenstein
- Guaranteed top quality and purity
- Flexible amounts from 1g to 1kg

willbe asset management:

• 0.49% annual fee, backed by 160 years of LLB expertise
• Investments in line with the UN’s Sustainable Development Goals
• Simple, effective donations

What willbe is all about – and why you will love this app:

SAVE: as much as you want from the very first day

Start saving securely step by step with the cash account at attractive interest rates, available daily. Or secure guaranteed interest over a fixed term with our fixed-term deposit account. Your money grows from day one - with no fees. And it's in good hands with one of the safest banks in the world. You also benefit from deposit protection of up to CHF 100,000 (or equivalent) in Liechtenstein.

INVEST: sustainably and profitably

Want to invest in a company that’s fighting Alzheimer’s? Or in the development of renewable energies? And do it without neglecting performance? willbe’s goal is to offer investment and donation ideas that have the biggest impact, without sacrificing your returns. You will also find plenty to learn here, such as our seven impact topics based on the 17 UN Sustainable Development Goals: education and equal opportunities, environmental protection and biodiversity, clean water, clean energy, sustainable use of resources, sustainable living and working, and healthcare and medicine. No matter how much experience you have with investing, willbe can help you make a difference – supported by the award-winning expertise of LLB’s asset management and its over 160 years of banking experience. And you can start from just EUR/CHF 200.

FEES: fair for you

willbe is simple, transparent investing. That goes for fees, as well. That’s why the cash account and fixed-term deposit account are free of charge for you. For willbe Gold the storage costs are 0.5% per year. willbe applies an annual fee of 0.49% to your assets under management, plus external costs indicated on the website. Our fee is 0.49%, regardless of the volume of your assets. For example, if we manage assets of CHF 2,000, you pay CHF 9.80 a year in fees. This covers the development of your investment strategy and your personal investment proposal. External third-party costs, such as taxes on products that fit your investment strategy, are beyond our control. We regularly bill you for these costs without a mark-up and check that we are offering you the most favourable fees possible. We believe in transparency, and that applies to fees, as well. So we have created a competitor comparison for you (https://willbe-invest.com/en/willbe/sustainable-investing/pricing).

A SECURE VALUE WITH TRADITION

willbe is published by the Liechtensteinische Landesbank (LLB), based in Vaduz, Principality of Liechtenstein. The LLB is one of the safest and best-capitalized universal banks in the world and, with an Aa2 deposit rating from Moody's, is in the top league of financial institutions in Liechtenstein and Switzerland. With its 160-year history, the LLB is the bank with the richest tradition in Liechtenstein.