❓ Frequently asked questions about Wikifolios
🧾 1. General information about Wikifolios
What is a wikifolio?
A Wikifolio is a publicly accessible model portfolio that reflects a clearly defined investment strategy.
You can track this at any time:
- all purchases and sales
- Weightings
- composition
👉 In short:
A transparent, rules-based portfolio.
What is a Wikifolio certificate?
A Wikifolio certificate fully reflects the performance of a Wikifolio.
- Tradable through your broker
- works like a security
- subject to market and issuer risks
What is an umbrella wikifolio?
A central Wikifolio combines several Wikifolios into a single portfolio.
👉 Goal:
Diversify risks and combine different strategies.
What is the difference between a wikifolio and an umbrella wikifolio?
- Wikifolio → a single strategy
- Umbrella wikifolio → Combination of multiple strategies
What are the costs?
Typical costs:
- ongoing certificate fees
- Performance fee (only in case of a win)
- Broker fees (order + spread)
👉 Details can be found in the product information sheet.
Who manages the Wikifolios?
All Wikifolios are developed, implemented and monitored by Mueckinvest.
👉 Important:
- Decisions are made based on rules.
- no spontaneous adjustments
Are you personally invested in the Wikifolios?
Yes.
Direct co-investment is possible via umbrella wikifolios.
👉 Result:
Alignment of interests with those of the investors.
How can I invest?
About a Wikifolio certificate:
- Search for ISIN/WKN at the broker
- how to buy a security
Warum kann ich ein Wikifolio nicht überall auf der Welt kaufen?
Wikifolios werden als börsengehandelte Zertifikate emittiert. Diese Zertifikate unterliegen den Finanzmarktgesetzen, Zulassungsanforderungen und Vertriebsregeln der jeweiligen Länder. Deshalb können Wikifolio-Zertifikate nicht automatisch in jedem Land angeboten oder gehandelt werden.
Sind Wikifolios internationale Portfolios?
Ja. Viele Wikifolios investieren weltweit in Aktien, ETFs, Rohstoffe oder andere Anlageklassen. Das bedeutet jedoch nicht automatisch, dass auch das dazugehörige Zertifikat weltweit vertrieben werden darf. Das Portfolio kann global aufgestellt sein, während der Vertrieb des Zertifikats regional beschränkt bleibt.
Warum gibt es solche Beschränkungen?
1. Nationale Finanzmarktregulierung
Jedes Land hat eigene Vorschriften für den Vertrieb von Wertpapieren. Damit ein Finanzprodukt verkauft werden darf, müssen häufig zusätzliche Registrierungen, Zulassungen und rechtliche Dokumentationen eingereicht werden.
2. Anleger- und Verbraucherschutz
Viele Staaten verlangen umfangreiche Offenlegungen, Risikohinweise und Produktinformationen in der jeweiligen Landessprache. Ohne diese Zulassungen darf das Produkt dort oft nicht aktiv angeboten werden.
3. Unterschiedliche Broker-Unterstützung
Nicht jeder Broker oder jede Bank unterstützt den Handel von Zertifikaten. Selbst innerhalb Europas gibt es Broker, die keine Wikifolio-Zertifikate anbieten.
Wo werden Wikifolio-Zertifikate gehandelt?
Wikifolio-Zertifikate werden als börsengehandelte Endlos-Indexzertifikate ausgegeben und an der Börse Stuttgart gehandelt. Anleger können sie über viele Banken und Broker kaufen, sofern diese den Handel unterstützen.
Können Anleger aus dem Ausland investieren?
Das hängt vom jeweiligen Land, den lokalen Vorschriften und dem verwendeten Broker ab. In einigen Ländern ist der Zugang problemlos möglich, in anderen bestehen regulatorische Einschränkungen oder das Produkt wird vom Broker nicht angeboten.
Warum gibt es keine Lösung für alle Länder?
Eine weltweite Zulassung würde erhebliche rechtliche, regulatorische und administrative Kosten verursachen. Für viele Emittenten wirtschaftlich sinnvoller ist daher ein Fokus auf Märkte, in denen bereits die notwendigen Zulassungen und Handelsstrukturen bestehen.
Can I invest via a savings plan?
That depends on the broker.
Alternatively: 👉 manual, regular investments are possible
I can't find the certificate – why?
Possible reasons:
- Not yet investable
- Emission not completed
- technical delay
👉 Solution: check directly on wikifolio.com
How long does the emission last?
Typically: 👉 approx. 1–3 weeks
Only then can the certificate be traded.
How can I tell if an asset is investable?
Status on wikifolio.com:
- „"Investable" → tradable
- „"In preparation" → not yet available
Where can I find the ISIN or WKN?
On the respective Wikifolio page under: 👉 Performance Overview
How often are Wikifolios updated?
- ongoing monitoring
- Rule-based adjustments
- Rebalancing at least quarterly
Can I see the ingredients?
Yes – fully transparent on wikifolio.com.
How is diversification achieved?
By combining:
- Regions
- Industries
- Asset classes
- Strategies
How are the tables created?
- Basis: Fact sheets and official data
- AI-supported structuring
- subsequent examination
What does rebalancing mean?
Adjusting the weighting back to the target structure.
👉 Goal:
stable risk structure
Who are Wikifolios suitable for?
For investors who:
- Value transparency
- want to invest in a structured way
- Think long-term
What is a world portfolio?
A globally diversified portfolio (mostly via ETFs).
👉 Goal:
to broadly represent the global economy
How liquid are wikifolios?
Traded on the stock exchange.
👉 Restrictions:
- Spreads possible
- depending on market situation
Is there a minimum investment?
No.
The amount is freely selectable.
Can the value become negative?
No – but:
👉 Losses are always possible
👉 also significant fluctuations
⚠️ 2. Legal Aspects & Risks
Is investment advice available?
No.
👉 Content is for informational purposes only.
What are the risks?
- Market risks
- Volatility
- Issuer risk
- Currency risks
How secure is a Wikifolio?
A Wikifolio is a certificate:
- No special assets
- Issuer risk exists
What happens if the strategy manager is unavailable?
- Portfolio remains unchanged
- no active further development
Is there a capital guarantee?
No.
👉 Losses up to and including total loss are possible.
What happens during extreme market phases?
- Significant fluctuations are possible.
- strategy-based protection is limited
How are profits taxed?
Withholding tax.
👉 depending on:
- residence
- Broker
⚙️ 3. Technical & organizational questions
How are new Wikifolios created?
- internal analysis
- Test phase
- subsequent publication
How are strategies tested?
- regular analysis
- Focus on structure & risk
- Adaptation only based on rules
How can I track performance?
On wikifolio.com:
- Performance
- composition
- Key figures
How do I receive updates?
- wikifolio Watch function
- News on mueckinvest.com
- App push notifications
How is content created?
- AI-supported
- based on verified data
- clear rule structure
Can I combine several Wikifolios?
Yes.
👉 Attention: Avoid overlaps
How long should I stay invested?
At least: 👉 3–5 years
Can I sell at any time?
Yes – during trading hours.
🔍 4. Transparency & Control
How transparent are Wikifolios?
- all trades visible
- complete documentation
- traceable at any time
Who is the issuer?
Lang & Schwarz (supervised by BaFin)
What happens in the event of issuer default?
👉 Issuer risk
👉 Total loss possible
How are decisions documented?
- Comments
- Rebalancing overviews
- Updates
Why do the data differ?
- different data sources
- different update cycles
What are deep-dive topics?
Structured analyses of:
- markets
- Strategies
- Developments
👉 Goal: Understanding, not predictions
How often does content appear?
- Deep dives: approximately 4 times per month
- Rebalancing: quarterly
📱 5. App & Usage
Is there an app?
Yes – Android live, iOS planned.
What functions does the app offer?
- Wikifolio overview
- AI functions
- Deep dives
- Push notifications
Can I invest via the app?
No – just information.
How often is data updated?
Synchronized with wikifolio.com (slight delay may occur).
Can I enable push notifications?
Yes – possible, depending on device settings.
Is the app free of charge?
Yes.
Some premium content may be available.
Why Android first?
Faster rollout → Feedback → Optimization for iOS.
Why can't I see the app?
- staggered rollout
- Store delay
Why no push notifications?
Often: 👉 Energy saving settings
Why do the data differ?
- Caching
- delay
👉 Reference remains wikifolio.com
⚖️ 6. Legal & Compliance
Why no recommendations?
Wikifolio guidelines + Compliance.
How are conflicts of interest avoided?
- Rule-based
- Transparency
- no individual consultation
How secure is my data?
- GDPR compliant
- no further disclosure
How to deal with conflicts of interest?
- clear rules
- open documentation
📚 7. Further information
Where can I find more information?
Which data sources are used?
- public financial data
- ETF databases
- quantitative models
Difference to funds?
- Full transparency
- No minimum investment
- complete control
⚠️ Final note
All content is for general informational purposes only. It does not constitute investment advice or a buy recommendation. Past performance is not indicative of future results. Further details can be found in the [link/document/section]. Imprint.