Realist offers a mobile‑first direct indexing service that lets retail investors replicate ETF holdings while adding, removing, or weighting individual stocks to match personal preferences. The platform charges a flat €10 monthly fee with no product or trading commissions and includes automated tax‑loss harvesting and flexible deposit/withdrawal options.
Funding
Funding not disclosed
Founders
Product
Problem
Investors using ETFs often incur continuous hidden product and trading fees while lacking the ability to tailor the underlying stock composition to personal values or preferences.
Solution
Realist provides a direct indexing platform that lets users replicate the holdings of an ETF but select, add, or remove individual stocks at any time. The service operates through a mobile app with a flat €10 monthly subscription and no additional product or trading fees. Automated tax‑optimization is applied to the personalized portfolio to improve after‑tax returns. Users can create multiple savings goals, deposit or withdraw funds on demand, and monitor performance through the app, combining the convenience of ETFs with the flexibility of a custom stock basket.
Target Audience
Realist targets retail investors who want low‑cost, ETF‑like exposure but desire the ability to customize holdings and manage taxes without a traditional broker.
Features
- Replication of ETF baskets with the ability to include or exclude any constituent stock
- Zero product fees and zero trading commissions; only a €10 per month subscription
- Fully automated tax‑loss harvesting and other tax‑optimization features
- Flexible savings goals with real‑time deposit and withdrawal capabilities
- Mobile‑first interface for portfolio creation, adjustment, and performance tracking
- Alignment of investments with personal values through granular stock selection