In order to reach your desired savings plan amount, we also buy fractional shares of ETFs, stocks, crypto ETPs and funds. However, fractional shares can only be traded up to the third decimal place. To ensure that the savings rate is not exceeded, the fractional shares bought through your savings plan may therefore be rounded down.
Savings plan not invested at all: This can occur with very small savings rates combined with very high security prices. Example: If you set up a savings plan of 1 euro and the securities price is 1,500 euros, we would have to buy 0.0007 shares. However, since fractional shares can only be purchased up to three decimal places and the savings rate should not be exceeded, this is rounded down to 0.000 shares. The savings rate can therefore not be invested and will subsequently be credited to your cash balance.
Savings rate only partially invested: You have set up a savings plan of 100 euros on a security, which costs exactly 150 euros at the time of purchase, for example. If your savings plan buys 0.667 shares of this security for you, the purchase price would be higher than your savings plan at 100.05 euros. Therefore, only 0.666 shares are bought and thus 99.90 euros are invested. The remaining 0.10 euros will be credited to your cash balance.
Savings plan not invested at all: This can occur with very small savings rates combined with very high security prices. Example: If you set up a savings plan of 1 euro and the securities price is 1,500 euros, we would have to buy 0.0007 shares. However, since fractional shares can only be purchased up to three decimal places and the savings rate should not be exceeded, this is rounded down to 0.000 shares. The savings rate can therefore not be invested and will subsequently be credited to your cash balance.
Savings rate only partially invested: You have set up a savings plan of 100 euros on a security, which costs exactly 150 euros at the time of purchase, for example. If your savings plan buys 0.667 shares of this security for you, the purchase price would be higher than your savings plan at 100.05 euros. Therefore, only 0.666 shares are bought and thus 99.90 euros are invested. The remaining 0.10 euros will be credited to your cash balance.