No-one is irreplaceable

Many jobs in the financial sector are in danger of becoming obsolete in the upcoming years.

Author Yuval Noah Harari comes to the conclusion in his latest book “Homo Deus” that in the long run, based on an algorithm, all jobs can be replaced by robots and artificial intelligence. So nearly all the jobs that exist today are under permanent threat. Bank staff can already endorse this now. Year in, year out branches are closed and staff reduced. Straightforward transactions that used to be conducted over the counter are now only available at a machine.

The team

Plan F in Stuttgart Degerloch

Mr Speck, what sets your company apart from a bank’s asset management service?

Speaking from experience, opaque investment products with hidden costs, inadequate advice and wrong information make it difficult for private investors to find the right investment. This is why we are independent. We are not attached to any financial group and only bill clients for work performed. Commission is not part of our business model.

Who is responsible then for selecting investment products in your company?

We base decisions exclusively on scientifically recognised procedures and verifiable theories. Our investments are not guided by a gut feeling and we apply anti-cyclic mechanisms. We are not the right people for speculators.

How do you find the right investment structure for your clients?

Finding the portfolio that is exactly tailored to a client’s personal risk reward profile is a time-consuming task. Clients have to take the first step themselves. We provide the access to an internationally recognised analysis tool. Clients then ascertain their own risk structure based on a questionnaire. We then conduct a very detailed personal interview.

What results can investors anticipate?

We place our trust in the efficiency of capital markets. Clients determine the long-term results based on their own risk structure. In simple terms, the ratio always holds good. The higher the share quota, the higher the fluctuations and average returns.
If clients want to keep costs down, invest broadly worldwide and regularly enjoy their profits, an investment portfolio with a share quota of 60% can yield returns of more than 10% in the long term. So usually this means that they easily beat all the portfolios offered by the banks they know.

“At the end of the day we beat them all.”

Tilmann Speck
Managing Director Plan F, Stuttgart

Tilmann Speck, qualified economist, began his professional career in 1992 with MLP AG and from its foundation in 2000 by seven experience financial experts has been Managing Director of Plan F GmbH in Stuttgart-Degerloch. The company offers clients professional asset management and, based on bilateral cooperation with them, structures and manages their liquid assets. The work and selection of suitable investment tools is based on a sound philosophy developed by F GmbH which is consistently aligned with long-term view. The investment philosophy is based on decades of empirical research. It is the result of the work of many independent financial experts and the assessment of historic capital market developments in practice. Plan F GmbH’s target audience are clients who wish to successfully participate in the growth of capital markets with a focus on long-term asset income. Tilmann Speck is father of three grown-up children and a committee member of the STG Geroksruhe tennis club.

Plan F Finanzdienstleistungen GmbH
Albstraße 14
70597 Stuttgart
+49 (0) 711 / 72 20 77-0
info@planf.de