The emerging markets share seems to be at 24% max with Vaamo as opposed to up to 28% with Wealthfront. But that difference doesn’t seem too great. Unfortunately I can’t see them using any tax-loss harvesting, and the fees are between .5% and 1% across the board. It seems the US providers are way ahead.
I can’t read German, but I’d suggest you look for a robo-advisor with the following attributes:
High allocation in foreign stocks, especially emerging markets. Allocation in small-capitalization stocks is nice too if you can get it.
Tax-loss harvesting. (I don’t know if there are differences in German tax law that make this less valuable than in the US, but I suspect not.)
Low fees (should be 0.25% per year or less).
The emerging markets share seems to be at 24% max with Vaamo as opposed to up to 28% with Wealthfront. But that difference doesn’t seem too great. Unfortunately I can’t see them using any tax-loss harvesting, and the fees are between .5% and 1% across the board. It seems the US providers are way ahead.