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Client view #2: Antonia Hammer


At ETFmatic we have the pleasure of serving clients in 32 European countries. We see this as an incredible advantage being able to interact with such a large and diverse group of people from all walks of life. As our aim is to democratise finance for all Europeans we ask our clients if they would be willing answer questions on their experience and initial decision to use ETFmatic. The post below is part of an ongoing series where we share the experiences some of the amazing clients we serve today.
Name:Antonia Hammer
Age:37
Country:Germany
Occupation:Senior Director Corporate Development at Fyber

How long have you been investing for?

15 years

Describe your investment goals. Are they long-term, short-term, are you on track? Have you changed your investment strategy over the years? If so, how?

Investment goals are long-term. In the beginning, I lost quite a lot of money trying to invest in trends and hitting the 2000 bubble. Then I was only investing in funds and bonds for a while to reduce risks. That was reasonably successful. We bought an apartment a few years back so most invested money was used for this purchase. A year ago I started investing proactively again. Mainly long-term goals with investements in companies and industries I know and understand. Plus some passive investments with rather conservative goal of value protection like ETFmatic.

Why did you decide to use ETFmatic?

I wanted to try robo-investement. As mentioned, I want to invest part of my savings in rather conservative value-protecting investements and do that passively. Robo-Investments seems perfect for that. Knowing Johan personally, I chose ETFmatic.

Can you provide a brief overview of your experience so far - How much are you investing, how long for, and how satisfied are you with returns to date?

My experience has been positive so far. Everything went smoothly and easily – very little admin hassle and interaction needed – so perfectly fitting my goal of finding a passive investement where I don’t have to do or think much. I’ve been investing for about 6 months, with a monthly plan which works very well. Returns are low, but positive. So again, this is what I was looking for at ETFmatic and it is delivering on it.

How comfortable are you with using a robo-advice platform, how does it compare with your investing experience prior?

Why not invest in robo-advice platforms? I think programmed well, Robos are better than humans, especially if you don’t invest much money and a personal advisor doesn’t pay off. At the same time, their fees are very low, a big improvement to my previous experience with funds, which are normally overpriced.


We'd like to thank Antonia for her time and investing with us. If you would like to be part of our client feedback series and provide your opinion. Good, bad or indifferent, please do let us know.