wiLLBe – for a high-impact, high-performance portfolio. Keep an overview of returns and the sustainable impact of your investments and donations.
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Getting started with wiLLBe
wiLLBe is a digital asset management platform with the unique combination of the active involvement of Liechtenstein's largest asset management team and cutting-edge technology. wiLLBe enables you to invest your money in topics that interest you, from just CHF 2,000. wiLLBe is fully backed by LLB, with its 160 years of banking experience.
wiLLBe is the only place you can benefit from the unique combination of a 30-strong asset management team, 160 years of banking experience and cutting-edge technology. And wiLLBe offers cheaper pricing than other platforms. You can make sustainable investments with wiLLBe starting from just CHF 2,000.
wiLLBe enables you to decide which sustainable areas you invest in by focusing on up to seven topics. These topic clusters are based on the UN’s 17 Sustainable Development Goals. This enables us to ensure your investments have the greatest possible impact and really contribute to a more sustainable world. You are able to find out directly the impact you really make. In short, you can invest so your money contributes to a more sustainable world and still generates profits – and that wasn't a possibility for everyone in the past.
Our experienced asset management professionals select the investment opportunities close to your heart. We have been doing this successfully for our asset management clients for decades, and have regularly won awards for it. Thanks to wiLLBe, it’s so easy for you to access our skills.
Download the app from the store of your choice (Apple or Google) and register with wiLLBe. With a few clicks and some info, you can open your account, choose your investment strategy and select the topics that interest you. Enter your existing account for your first deposit; as soon as you have deposited CHF 2,000 into wiLLBe, you can invest sustainably.
No, you don't need an LLB account beforehand. You can open one with just a couple of clicks when you register for the app. It’s very simple – we promise.
Have the following documents to hand to get going right away:
a valid ID card or your passport
the account number of your existing payment account
your email address
your mobile phone
That’s it.
We have kept registration as short as possible. You can get started with your sustainable investments in just five steps. If you have all your documentation at your fingertips, registration will take about 15 minutes. Your assets will be then invested during the next optimisation.
is happy to help if you experience technical issues.
Yes, an app can be easily downloaded free of charge from the Apple Store (for iPhones) or the Google Play Store (for Android).
The minimum investment with wiLLBe is just CHF 2,000 – so you not only generate returns, but also do something for a more sustainable world. If you want to work up to the minimum investment amount in several steps, you can pay in a certain amount every month with your personal savings plan. As soon as you reach CHF 2,000, we start your personal portfolio.
No matter whether you want to invest your money as a one-off or put in a regular amount, wiLLBe lets you invest your money however it suits you.
There is no minimum term. You can leave wiLLBe at any time, even though we will be very sorry to see you go. Depending on the optimisation frequency, we need up to two weeks to carry out the transactions.
You can make sustainable investments via wiLLBe from the age of 18.
At present, you must be resident in Switzerland, Liechtenstein or Germany to be able to invest sustainably with wiLLBe.
The temperature on the dashboard shows how companies in your portfolio are helping to combat global warming. To calculate this value, all of the company’s emissions – from their raw materials, their own production activities and company products – are added together and translated into their contribution to global warming. As an example, if the reading is 1.8°, then your portfolio reflects companies that are trying to keep global warming below 1.8°C within this century. You can find further details on the methodology used on the website of our data provider MSCI.
We calculate energy consumption for all of the companies in your portfolio and compare it against the global average. The amount saved corresponds to the difference accounted for in your portfolio with each centime or cent invested. We believe in investing in energy-efficient companies and we see this key figure as a tangible indicator of the difference between a carefully created, sustainable portfolio and a simple investment in a broadly diversified fund or ETF. The benchmark is taken from the MSCI All World Index.
Pretty much everything we do relates to CO₂ emissions. With wiLLBe, you’re consciously investing in companies that produce less CO₂. The «CO₂ savings» key figure compares companies’ emissions in your portfolio against the average emissions profile in the market. The amount saved corresponds to the difference accounted for in your portfolio with each centime or cent invested. To calculate this, we calculate your share in the company in the portfolio and allocate this share to the company’s total emissions. The benchmark is taken from MSCI All World Index.
ESG stands for environmental, social and governance. This is the methodology the finance sector uses to try and measure the sustainability of investments. We calculate your portfolio’s ESG score and compare it against the market average. The benchmark is the MSCI All World Index. You can find out more about ESG rating methodology on the website of our data provider MSCI. With increasing criticism of the methodology behind the ESG score, it only plays a subordinate role for investment decisions at wiLLBe.
The UN’s 17 sustainable development goals form the basis for wiLLBe’s «topic scores». For each investment in your portfolio, we measure how much it contributes to achieving each individual goal. We then group the results, meaning the 17 goals become seven investment topics. We don’t prioritise individual issues, which is a conscious decision. If companies don’t perform well in the 17 goals, we exclude them as investments. This means that companies have to do more than achieve good average values for the UN goals within a wiLLBe topic to qualify for a position in your wiLLBe portfolio. The «topic scores» in your dashboard show the focal points of your portfolio. You can find further details on the methodology used on the website of our data provider MSCI.
If you work for a listed company or have access to privileged information, then check your wiLLBe portfolio regularly to see whether it contains shares of your employer. In particular, trading rules of your company's shares or any temporary trading bans that may are applicable also for your wiLLBe. Therefore, check your portfolio regularly and suspend payments - regular as well as one-time - in wiLLBe if necessary, so that you do not infringe the trading requirements of your employer or any stock exchange regulations.
A registered account is an account with the customer’s main bank that is stored in the wiLLBe system. The registered account is specified when creating a savings plan/standing order and is automatically validated when the first successful deposit is made. Payments in and out can be made only via this account. Multiple accounts can be registered in the app.
A validated account is a registered account that is specified when creating a savings plan/standing order and validated when the first successful deposit is made. An account can be registered but not yet validated. The registered account must be in the customer’s name in order to be validated. And/or relationships that include the customer’s name are also accepted.
You can find your validated account under your profile picture > Manage my account > Change validated accounts.
Go to the red button with the three dots (bottom right in the app)
Select «Deposit»
Enter your payment amount and tap «Next»
In the IBAN field, tap on the arrow
Tap «Add account»
Enter the IBAN number for your bank account and confirm
This account is now registered in the wiLLBe system and can be used for deposits.
Please note: for customers from the EU, the amount entered is automatically collected via SEPA direct debit. Customers from Switzerland and Liechtenstein are required to instruct their bank to make a payment.
EUR account
If you have selected EUR as your account currency and your registered account is with an EU bank in EUR, we will automatically collect your selected payment amount.
If you have selected «recurring payment», we will debit the amount from your account each month.
The account opening process will guide you through the steps to make your first payment.
CHF account
If you have selected CHF as the account currency, you are required to make manual deposits for one-off payments and savings plans/standing orders.
Step 1: Your profile picture (top right in the app) > Manage my account > wiLLBe payment account – you will find the IBAN for your wiLLBe account there
Step 2: Send the IBAN to your bank’s payment system and make a transfer
EUR
Payments can be made at a later date via the red button with the three dots (top right in the app)> Deposit or savings plan.
CHF
The process is the same as the process for the first payment:
Go to the red button with the three dots (bottom right in the app)
Select «Deposit»
Enter your payment amount and tap «Next»
In the IBAN field, tap on the arrow
Tap «Add account»
Enter the IBAN number for your bank account and confirm
This account is now registered in the wiLLBe system and can be used for deposits.
Please note: for customers from the EU, the amount entered is automatically collected via SEPA direct debit. Customers from Switzerland and Liechtenstein are required to instruct their bank to make a payment.
Step 1: Check the status of your account
Go to «Manage my account» via your profile picture (top right)
Tap «Validate account»
You will see that the IBAN for your account has been entered for your bank, but not validated
Step 2: Initiate validation
In order to validate the account, wiLLBe/LLB must receive your first payment:
Go to the red button with the three dots (bottom right in the app)
Select «Deposit»
Enter your payment amount and tap «Next»
In the IBAN field, tap on the arrow
Tap «Add account»
Enter the IBAN number for your bank account and confirm
This account is now registered in the wiLLBe system and can be used for deposits.
Please note: for customers from the EU, the amount entered is automatically collected via SEPA direct debit. Customers from Switzerland and Liechtenstein are required to instruct their bank to make a payment.
Transfers usually take one banking day. If the account you used to make the payment is not in your name, we cannot accept the payment and will return the funds. The processing of rejected payments can take a few days.
You must activate your new smartphone for the wiLLBe app.
Option 1: You still have your old smartphone:
My profile > My profile > 2 FA devices > Activate new device
Use your phone to scan the QR code
Download the app
Log in again using your email and password
Option 2: You no longer have your old smartphone:
Download the wiLLBe app from your app store
Open the app
On the login screen: tap «More options»
Tap «Request activation letter». You can now close the app.
You will receive the letter in the post in two to three days
When you receive the letter, please go to the login screen again and tap «More options»
Tap «Scan QR code»
Your wiLLBe profile will be transferred to the app on your new phone and you will be able to log in using your email and password
Example:
Deposit is CHF 100
Performance is +2%
Deposit value is 101 but should be 102.
Reason:
Performance is calculated once a day based on the previous day’s official closing price. However, payments are shown straight away. This can result in discrepancies
We calculate performance based on international standards for financial service providers (Global Investment Performance Standards, GIPS). Payments in, payments out, dividends, etc, are also taken into account in addition to price changes. The value calculated can therefore differ from a straightforward calculation.
wiLLBe invests funds once a week, which helps us to keep costs low for customers. Thus, your deposit might be in your account for a few days before it is invested. Please see the overview below:
All deposits received by wiLLBe by 12:00 pm on Wednesday will be invested on the following trading day (e.g. Thursday). If the funds are received later, they will be invested with the next round of investment on the following Thursday.
When investing, your funds are traded at different times and come out of or go into your account. That’s why your account may look incomplete for up to a week. As an overview:
Thursday at 9:00 am: European shares are traded
Thursday at 3:30 pm: American shares are traded
Friday 1:00 am: portfolio key figures are recalculated
Friday to Tuesday: fund transactions are carried out
Background: for accounts with Austrian banks or financial service providers, the final taxation principle applies; i.e. the company deducts tax directly from the customer and these go to the tax office. So the customer does not have to disclose any assets to the tax office.
Unfortunately, with wiLLBe, this is not possible for customers based in Austria. Customers receive a free tax report from wiLLBe that explains exactly how to declare their wiLLBe account for the tax adjustment.
This means your ID card will not be accepted because a small piece of plastic has broken off the card or it has a crack/hole.
Other reasons for rejection of your ID with the «ID broken/ID beschädigt» message include:
A passport page is torn
Part of the ID card has broken off
There is a hole all the way through the ID
A security feature cannot be recognised; e.g. because the film on the ID card or passport is badly damaged
The ID card is held together with tape
The machine-readable area is damaged
The app uses the same language as your smartphone. This means you must change your phone language settings. Please search for instructions for your specific operating system via Google. The wiLLBe app is available in German and English.
On the start/login screen, tap the «More options» field, then «Forgot password», then «Request a password letter».
Please note: unfortunately, we are obliged to send a hard copy for legal reasons and cannot send a password reset by email.
wiLLBe customers can enter their password incorrectly five times. For security reasons, the account will be locked on the sixth incorrect attempt.
On the start/login screen, tap the «More options» field, then «Forgot password», then «Request a password letter»
Please note: unfortunately, we are obliged to send a hard copy for legal reasons and cannot send a password reset by email.
You can do this directly in the app. Go to your profile picture at top right, then tap «Manage my account» > «End customer relationship». You must select a validated account for withdrawal of your funds.
Note on the withdrawal process:
After the closing order has been made, your investments will be sold. This happens on the next rebalancing date, which is usually a Thursday. Most securities are posted on the rebalancing day and the sale amount is then paid out to you promptly. For some special securities such as funds, the sale is posted only after one week or more. Payments for these parts of the portfolio can therefore take up to four weeks. Important: this means you will receive several payments over a certain period of time.
After the closing order has been made, your investments will be sold. This happens on the next rebalancing date, which is usually a Thursday. Most securities are posted on the rebalancing day and the sale amount is then paid out to you promptly. For some special securities such as funds, the sale is posted only after one week or more. Payments for these parts of the portfolio can therefore take up to four weeks. Important: this means you will receive several payments over a certain period of time.
Tap on your profile picture (top right in the app) > Manage my account > wiLLBe payment account – you will find the IBAN for your wiLLBe account there
Yes, you can. If you want to install the wiLLBe app on a second device, you must have your first device with you. Go to your profile picture (top right in the app) > My profile > Manage registered devices > select your current device > – a QR code will be shown. Use your new device to scan this QR code and download the wiLLBe app.
If no other device is available, download the wiLLBe app from your app store and request an activation letter. Follow these steps:
Download the wiLLBe app from your app store
Open the app
On the login screen: tap «More options»
Tap «Request activation letter». You can now close the app.
You will receive the letter in the post in two to three days
When you receive the letter, please go to the login screen again and tap «More options»
Tap «Scan QR code»
Your wiLLBe profile will be transferred to the app on your new phone and you will be able to log in using your email and password
For Samsung devices, links that you want to open in an app first have to be approved as «supported web addresses» via app information in the device’s settings:
Settings > Apps > wiLLBe app > Set as default > Supported web addresses > app.willbe-invest.com, then move the slider to the right.
Funds are not invested if they total less than CHF 2,000. When you open an account, the capital stays in the account in cash until you reach the threshold of CHF 2,000 by making additional payments or through the savings plan.
If a residual amount of less than CHF 2,000 remains invested after a withdrawal, these investments will be excluded from the weekly rebalancing and may stay invested in less optimal securities, even be over a longer period of time.
For every recommendation you make to friends, we thank you with a bonus of CHF 50 on your deposit. Use your referral code, which you can find in your profile. When someone registers with your referral code and invests the minimum amount of CHF 2,000, it counts as a valid referral.
Withdrawals are free of charge from wiLLBe. It is possible that your bank will charge for an incoming payment in a foreign currency (CHF if you have an EUR account or vice versa).
There are too many reflections that are interfering with reading your ID document. Make sure there is sufficient indirect light and try again.
Investing with wiLLBe
wiLLBe’s 7 topic clusters are based on the UN’s 17 Sustainable Development Goals. You choose the wiLLBe topics you want to support, whether it’s one or several. We ensure that your investments have the biggest possible impact and contribute to a more sustainable world. And you don’t have to sacrifice your chances of returns.
At wiLLBe, you can invest in hand-picked stocks that make the biggest impact, no matter whether stocks, bonds or ETFs. We enable you to invest in the same investment strategies as our private banking clients. When we evaluate your investment options, we trust our 30-strong asset management team and the guidelines issued by index provider MSCI ESG. Our intelligent algorithms combine the ideas suggested by the team, always following our asset management strategy and implementing the tactical asset allocation of our Chief Investment Officer in your portfolio. This enables you to benefit from our award-winning asset management, even with small investments.
Increasing numbers of investors are putting their money into ESG investments; namely, investments that meet environmental, social and governance (ESG) criteria. In our selection, we rely on a narrower definition of sustainability that far exceeds these ESG criteria. Plus, our investment experts select the stocks that fit best with our 7 topics based on the UN’s 17 Sustainable Development Goals.
We explicitly exclude sectors such as gambling, tobacco, military goods and adult entertainment. It’s important to us that the shares we select also offer the prospect of returns, have low volatility and that the companies selected not only show a commitment to a sustainable world, but are also economically sound.
Companies are selected for your sustainable portfolio via a three-stage investment process:
In phase 1, we comb through the global range of equities, looking for stocks that best represent our 7 investment topics in line with the UN Sustainable Development Goals (SDGs). This is how we define the stocks you can invest in at wiLLBe.
In phase 2, we analyse the individual companies and define the stocks in which we want to invest. In this analysis phase, we rely on LLB asset management’s proprietary quantitative multi-factor model. Stocks must stand out positively across five factors:
The stocks must be well rated in comparison with an underlying evaluation benchmark.
The company must be highly profitable, show solid growth and have a healthy balance sheet structure.
The stock must display a clearly positive pricing trend.
The company must have a shareholder-friendly approach to the entrusted capital.
The stock price should have a low, stable volatility.
Our fund managers like to see the process as a pentathlon: the selected stocks should perform well across all five factors. We invest only in those stocks that stand out positively in these five criteria.
In phase 3, we build the portfolio using an optimiser. Financial and economic criteria (e.g. share volatility, expected returns) and suitability in terms of individual SDG topics play a part. The portfolios generated in this way, in which you invest via wiLLBe, are actively managed and monitored by us.
Although investing is not only for the wealthy, not all investors can buy all the stocks that their efficient portfolio needs due to the high absolute stock prices. wiLLBe works with fractional shares; that means wiLLBe enables you to purchase a fraction of a stock (or an ETF). You benefit from increasing prices and portfolio diversification. You will receive a pro rata dividend based on your participation. Furthermore, fractional shares offer the same advantages and disadvantages as stocks or ETFs, along with the major benefit that you can buy more shares, even with a small amount of money.
The right time to invest is now. The longer your investment horizon (the period over which you invest your money), the more profit you can generate and the more risk you can take. This is why it pays not to wait for the «right time», but to start investing right away. You can minimise the price risk at a certain point in time by not investing all your money at once, but investing a fixed amount every month instead.
In the app, we show you how your portfolio is doing in terms of the following criteria: temperature, CO₂ and energy intensity.
You can. We believe that a good, sustainable investment cannot be judged solely by its CO₂ emissions. As our current energy system is converted to meet our desired climate neutrality, the production of certain sustainable energy sources may temporarily lead to higher CO₂ emissions. That's why the value in your portfolio may in the short term be higher than the MSCI All Country World Index benchmark. For portfolios that show a negative CO₂ footprint compared with the benchmark at the end of the year, wiLLBe compensates this difference; for example, via our partner Compensators.
We focus on the long-term impact of our sustainable investments, without neglecting the aspects of return and profitability. It is important to us that all wiLLBe investments have a certain minimum liquidity. This means that you can flexibly deposit or withdraw at any time. As a result, we cannot offer certain assets (e.g., direct investments in wind farm projects). Such investments sound good in advertising but freeze your money between seven and ten years. This would simply make us too inflexible.
Geographically, we concentrate on the markets where our experts have the most knowledge. These are Switzerland, Europe and North America. We cover other markets through selected funds and ETF. LLB's own asset managers look for opportunities to generate returns and monitor investments on an ongoing basis. LLB has already received several awards for these tasks.
At wiLLBe, we analyse your portfolio from an overall perspective. Thanks to wiLLBe’s asset management expertise and its combination of SDG and ESG criteria, you have the opportunity to build your portfolio in alignment with the asset management risk profile and your sustainability priorities – and ensure it performs accordingly.
As a first step, wiLLBe’s investment opportunities are defined by LLB’s sustainable investment cluster. The LLB approach to sustainable investing is based on a mix of negative exclusion criteria and positive selection. Teams of analysts at our data suppliers identify and evaluate the severity of controversial cases involving companies from their cluster on an ongoing basis.
The following criteria are used for the purposes of negative selection:
Breaches of international and national standards such as the UN Global Compact, the Ottawa Convention on Anti-Personnel Mines or the Nuclear Non-Proliferation Treaty.
Turnover-based exclusions are also applied for controversial products associated with tobacco, military weapons, gambling, adult entertainment, the thermal use of coal, and shale oil and gas. The threshold is 10%.
We exclude stocks involved in particularly severe controversies from the investment cluster.
We also exclude stocks with an ESG rating lower than BBB.
Our sustainability process also takes positive selection factors into account. We select stocks that have an ESG score of BBB and higher for our investment cluster. The rating identifies between six and ten central ESG topics (key issue scores) that are of major environmental or social importance for the sector in question; it measures corporate governance on a uniform basis.
In addition to the above criteria for sustainable investing at LLB, impact criteria are applied for wiLLBe portfolios.
That means there is no place for these eight factors in a wiLLBe portfolio:
Pollution
Discrimination
Child labour
Controversial products
Human rights abuses
Nuclear weapons
Anti-personnel mines and cluster munitions
Forced labour
Our experts continuously analyze the market to find the best products to supplement your wiLLBe individual stock portfolio. Of course, we pay attention to the sustainability and impact of the products compared to their economic suitability for your portfolio. wiLLBe does not earn product fees from third parties, i.e. we select the product with the best price/performance ratio for you with a view to these parameters and try to keep the costs for your portfolio as low as possible.
The fraction is a proportion of the stick. You will also receive the pro rata dividend.
Do good
wiLLBe is committed to working together for global sustainable development. To this end, wiLLBe ensures its investment process focuses consistently on the UN’s 17 Sustainable Development Goals, and thus goes far beyond ESG criteria. In addition, wiLLBe investors can find out directly in the app the impact they make for a more sustainable world. We want to promote sustainability as specifically as possible through our partnerships with non-profit organisations (NPOs). The app shows which NPO generates the impact. There is also the opportunity to donate automatically to the NPO and further boost your impact; for example, by making an annual donation of 20 % of your investment. If you support our partner NPO Compensators, you are able to see right away how much CO₂ emissions allowance you have withdrawn from the market with your donation.
At wiLLBe, sustainable investment is more than just a buzzword. Anyone can make an investment. But until now it has not been possible for everyone to invest their money in such a way that they contribute to a more sustainable world while still generating returns. With wiLLBe, you can invest in the specific topics that are close to your heart, even with only a small amount of capital. Our investment cluster with 7 investment topics is focused consistently on the United Nations’ 17 Sustainable Development Goals and based on the MSCI ESG ratings, combined with LLB’s strict sustainability process. This enables us to identify precisely which companies are particularly suitable for sustainable investment and have the biggest impact in terms of sustainability. That’s why wiLLBe maintains partnerships with non-profit organisations (NPOs) so it can encourage sustainability in as specific a manner as possible. For example, if you support our partner NPO Compensators, you are able to see right away how much CO₂ emissions allowance you have withdrawn from the market with your donation.
We want to use wiLLBe to have an impact and make a mark – in as concrete a manner as possible. Helping two girls go to school? Or financing an entire solar energy system? With wiLLBe, investors can find out directly in the app the impact they really have with a particular NPO. In short, we want our words to be backed up by actions; for example, with the option to donate automatically to the NPO and further boost your impact, such as by making an annual donation of 20 % of your investment.
We are striving to build up additional partnerships with NPOs. Our goal is to construct these partnerships in line with the 7 investment topics for investment opportunities.
No. With their award-winning asset management experience and established ratings, our investment experts select the investments that are available via wiLLBe. They constantly look for companies with the biggest impact in terms of sustainability and which still generate returns.
However, our goal at wiLLBe is to always do more. And we want to make it as easy as possible for you too. This means that at the end of the year, you can easily pass some of your returns on to the organisation. It’s easy and convenient.
Yes, for your donation via wiLLBe you will receive a donation receipt from the respective NGO(s) upon request. You can request this directly when choosing the organisation and you will receive it at the beginning of each calendar year for your donations in the previous year.
Security and the bank
wiLLBe was created by Liechtensteinische Landesbank (LLB), based in Vaduz (Principality of Liechtenstein). This has been one of the world’s safest and best-capitalised full-service banks for years, boasting an Aa2 deposit rating from Moody’s that puts it in the premier league of financial institutions in Liechtenstein and Switzerland. With a history stretching back almost 160 years, LLB is steeped in more tradition than any other bank in Liechtenstein.
Security is a rare thing in a world shaped by breakneck change – and even more so when it comes to your own money. LLB brings together security, resilience and innovation, offering the perfect combination for our customers. Our 160 years of experience give us precisely the expertise and security we need to develop innovations, take social responsibility in everything we do and offer our customers new opportunities, more from their money and more for our world.
The state of Liechtenstein is LLB's main shareholder, giving it a solid ownership structure. The Principality of is one of the few countries that can boast an AAA rating with a stable outlook from Standard and Poor’s. This outstanding rating is an indicator of the stability and reliability of Liechtenstein as a financial centre.
As with other providers, wiLLBe’s investment process shows a commitment to sustainability. But that’s where the similarities end. Our investment process is based on LLB’s proven asset management process. Our investment cluster with 7 investment topics is focused consistently on the United Nations’ 17 Sustainable Development Goals and based on the MSCI ESG ratings, combined with LLB’s strict sustainability process. This enables us to identify precisely those companies that are particularly suitable for sustainable investment. You can combine up to 7 investment topics to suit your preferences.
We do not have automated advisors: we use experienced asset management professionals who select investment opportunities for you. We have been doing this successfully for our asset management clients for decades, and have regularly received awards. Now, all of wiLLBe’s experience is at your disposal.
Access to your data may be given internally and externally. In principle, personal data leaves the bank only in special cases and only in compliance with banking secrecy and the relevant provisions of data protection law. As a bank based within the EEA, LLB is tied to the EU’s General Data Protection Regulation (GDPR), in particular, which is implemented by the Liechtenstein Data Protection Act. If there is a legal or supervisory obligation, public bodies and institutions may also receive this data. Details on this and who can (potentially) access your personal data is available in our data protection policy.
As a bank based within the EEA, LLB is tied to the EU’s General Data Protection Regulation (GDPR), in particular, which is implemented by the Liechtenstein Data Protection Act. Regardless of where your personal data is stored (or «processed»), LLB is responsible for compliance with these strict GDPR requirements. More information about how LLB handles your data can be found in our data protection policy.
If you have changed the biometric data on your device logging in with fingerprint or FaceID may no longer work. If you deactivate and reactivate the biometric login in the app settings, the data will be updated and the login with biometric feature will be possible again.
You are free to keep your wiLLBe account in Swiss francs. However, please note that the reference currency is chosen during registration and cannot be changed later.
Currently you cannot change the selected reference currency after registration.
As a member of the EEA, Liechtenstein supports the EU SEPA system, meaning that you can easily transfer your deposits to your wiLLBe account in EUR. We will take care of the exchange into CHF for you. You benefit from very favourable exchange rates. If you don't already have a CHF account at your bank that you want to use for investing, in most cases it is easiest and cheapest to simply transfer euros with a SEPA payment.
We are required by law to verify your identity. This includes checking your ID document and also comparing the photo on the ID with your face. We use this data exclusively to fulfil our legal obligations, and we store all your data according to the highest security standards in our own data centres in Liechtenstein and Switzerland.
On the analysis screen below the graph, you will find a link to the single position view. There you can filter all your securities and view them in detail. We are constantly expanding the information displayed here.
Fees and deductions
We work with a fee of 0.49 % (i.e. CHF 2,000 incurs a fee of CHF 9.80 per year), plus external costs to which we are subject. We pass these costs on to you directly, such as fund fees. The fees and costs can be found in detail here. We are committed to transparent prices and fees.
The fee of 0.49 % includes external costs and expenses for tax documents and statements. Fees and external costs are listed here in detail.
Our pricing includes creating the investment strategy and the investment proposal. In addition, you benefit from LLB asset management’s award-winning experience, which otherwise is reserved for private banking clients. You have a 160-year head start in impact investing, and secure returns and success from day 1 with experience, tools and strategies drawn from many years of wealth management. Our outstanding investment skills are combined with cutting-edge technology and a simple app. Welcome to the future of impact investing. Welcome to wiLLBe!
Transparency is important to us, which is why we have compiled a competitor comparison.
In absolute terms, the costs of our current products are currently between zero and 1.4 %. Applied to your portfolio, this means a charge of between approx. 0.25 % and 0.50 %, depending on the strategy and investment currency.
Payouts and taxes
It’s simple: just let us know how much you would like paid out. We take on the order, execute it with the next optimisation (also called «rebalancing») and ensure your portfolio still aligns with your personal preferences (risk, mix of topics, etc.). We transfer the proceeds to your correspondence account. Your portfolio is optimised on weekly basis.
You always have a complete overview on wiLLBe. The dashboard shows how your investments stand financially and how much impact you have already had.
We rebalance the portfolio every week.
Weekly rebalancing enables us to ensure your portfolio is aligned with market conditions and still matches your priorities. The costs charged for the rebalancing are solely external costs and are minimised through cost pooling. LLB does not earn anything from the transaction costs.
wiLLBe is not just a digital asset management system that enables you to boost your potential returns with sustainable investments, it also gives you the opportunity to donate some of your earnings to organisations close to your heart. These donations are made in your name at the end of each year, at your request you receive a donation confirmation. You can then list the donation in your next tax return and include it as a deduction. wiLLBe is not only good for your returns – your donations also help improve the world of tomorrow. With no effort from you.
With wiLLBe you always have an overview of your investments and your impact. Of course, you will also receive a tax report at the end of the year for your declaration to the tax authorities.
Important information for EU residents:
Please note that wiLLBe Liechtensteinische Depot does not pay any capital gains tax and that clients residing in the EU are obliged to declare the securities account in their tax return. You will receive an annual tax report containing all information for the tax office and explaining exactly how you must complete your tax return for wiLLBe.
The wiLLBe app includes details on individual stocks, sectors and topics. wiLLBe makes all the investment decisions for you; in other words, you do not need to respond to market situations.
In the USA, there is an estate tax when a person passes away. This also affects non-US citizens if they have invested in US securities.
Basically, you will be liable for inheritance tax if you have more than USD 60,000 in assets with a US connection, such as stocks in US companies. However, due to double taxation agreements, the exemption limit can be much higher.
wiLLBe makes sure that your portfolio does not exceed this limit. If you don't own any securities outside of wiLLBe, you don't have to worry about US inheritance tax.
Once you inform us that you want to close your wiLLBe account, we will sell all your investments as soon as possible. As a rule, the payout takes place within 14 days. For a small part of your portfolio, the liquidation may take a little longer. Once we have sold all your positions, we will transfer the proceeds to your bank account.
The W-8BEN form can help us document your status as a non-US person. The W-8BEN form can also be used to apply for reductions in retention of withholding tax for certain types of US income (e.g. US dividends) covered by the double taxation agreement. We will make use of these reductions for you wherever possible.
We fill in your name and address automatically using the personal information from your account. If any of this information is incorrect, please contact our client service team on service@willbe-invest.com before you confirm the W-8BEN form.
General questions on wiLLBe
wiLLBe is backed by Liechtensteinische Landesbank (LLB), headquartered in Vaduz (Principality of Liechtenstein). LLB has been one of the world’s safest, best capitalised full-service banks for years. With an Aa2 deposit rating from Moody’s, it is in the premier league of banks in Liechtenstein and Switzerland. With a history stretching back almost 160 years, LLB is steeped in more tradition than any other bank in Liechtenstein.
Yes, wiLLBe is an app that you can download free of charge on our website or in the Apple Store for iPhones and in the Play Store for Android devices. Of course, wiLLBe is much more than that: it’s a new way for everyone to invest in topics that interest them.
wiLLBe is an asset management platform you can use to make simple, cheap, sustainable investments digitally. At wiLLBe, you can invest in hand-picked stocks that make the biggest impact, no matter whether stocks, bonds or ETFs. We have democratised investing. For example, fractional shares enable you to buy a fraction of a stock (or an ETF) while still benefiting from rising prices and portfolio diversification. This enables you to make the most of award-winning asset management, even with small investments.
wiLLBe does not have its own legal form. It’s part of the LLB group, offering 160 years of security and experience.
LLB founded wiLLBe and owns it 100 %. This enables you to benefit 100% from 160 years of experience in investing. No other sustainability platform can make this claim. LLB has been one of the world’s safest, best capitalised full-service banks for years. With an Aa2 deposit rating from Moody’s, it is in the premier league of banks in Liechtenstein and Switzerland. With its long history, LLB is steeped in more tradition than any other bank in Liechtenstein.
wiLLBe combines the experience of a 30-strong asset management team with the experience of our Chief Investment Officer. Based on their input, a quantitative model builds portfolios that are as efficient as possible. Thanks to fractional shares, even smaller assets can be invested in all the individual stocks. It also has the unique feature that you are able to set your investment priorities by determining in which topics your portfolio should invest.
Sustainability is an issue across LLB in its entirety. wiLLBe has a committed, dedicated team that gives you the best offers for sustainable investment every day.
wiLLBe is fully owned by Liechtensteinische Landesbank (LLB), headquartered in Vaduz (Principality of Liechtenstein), and thus has the same domicile as LLB.
If your app store does not show you the wiLLBe app, your device is probably running an older operating system. For security reasons, we cannot support OS versions for which there are no longer any security updates from Google or Apple.
Currently we support Android version 9 and higher and iOS version 15 and higher.
Technical questions
On all smartphones with an iOS or Android operating system.
Our hotline (FL: +423 236 81 85 and CH: +41 285 71 85) is happy to help if you face registration problems or technical issues.
The wiLLBe team is happy to help from Monday to Friday from 8 am to 5:30 pm for questions about registration and technical issues.
We use the best of both worlds! Our experienced asset management team works on a constant evaluation of investment opportunities. We have been doing this successfully for our asset management clients for decades and have regularly won awards for it. Our wiLLBe optimiser ensures everyone can access this know-how, ensuring processes are handled quickly and market opportunities are taken up swiftly. This means wiLLBe now offers you the best of both worlds: smart technology combined with LLB’s award-winning investment know-how.
