Zum Hauptinhalt springen
The mandate
StrategyMandate, goals, FIRE and cooling-off.
Discipline
BehaviorPlan fidelity, cost of intervening and cohort.
Insights97 fixed checks, daily briefing, AI chat.
Understanding
AnalysisLook-through, portfolio, net worth and tax.
Exploration
MarketsMacro picture, earnings and watchlist.
ResearchScreener, ETF tools and deep analysis.
View DemoPricing
Pricing
BlogBrowse and filter all articles.CalculatorsTax and savings plan calculators.KnowledgeTaxes, ETFs, dividends, clearly explained.GlossaryFinancial terms from A to Z.Tax CalendarDeadlines and dates for investors.HelpAnswers to common questions.
FAQ
About InvestboardTeam, mission and values.
SecurityData protection and infrastructure.
ContactWrite to us. We respond quickly.
DEEN
Sign InBeginCreate account

Investments carry risk. Past performance is not a reliable indicator of future results. Investboard does not provide investment advice within the meaning of § 1 Abs. 1a KWG.

Investboard

Behavioral Wealth Management.

Start freeView Demo

Product

  • Strategy
  • Analysis
  • Behavior
  • Insights
  • Markets
  • Research

Resources

  • Calculators
  • Knowledge
  • Glossary
  • Tax Calendar
  • Help

Company

  • About Investboard
  • Security
  • Pricing
  • Contact

Product

  • Strategy
  • Analysis
  • Behavior
  • Insights
  • Markets
  • Research

Resources

  • Calculators
  • Knowledge
  • Glossary
  • Tax Calendar
  • Help

Company

  • About Investboard
  • Security
  • Pricing
  • Contact
  • Strategy
  • Analysis
  • Behavior
  • Insights
  • Markets
  • Research
  • Calculators
  • Knowledge
  • Glossary
  • Tax Calendar
  • Help
  • About Investboard
  • Security
  • Pricing
  • Contact
GDPR data protection
Encrypted in transit
EU hosting

Investboard is not a financial advisor and does not provide investment advice. All information is for informational purposes only and does not constitute a recommendation to buy or sell financial instruments. Past performance is not a reliable indicator of future results. Please consult a qualified financial advisor for individual investment decisions.

© 2026 Investboard GmbH. All rights reserved.

Imprint·Privacy Policy·Terms of Service·Cookie Policy
DE|EN
Behavior
  1. 01 Behavior command center
  2. 02 Cost of intervening
  3. 03 Journal, cohort & household

03 Discipline · Behavior

Measure what intervention really costs.

Investboard Behavior shows what interventions, crisis reactions and deviations cost: priced in euros, read against your plan and without placing an order.

Status ladderCost of interveningJournal & cohort
Investboard

Behavior center

Illustrative example

On plan

Cost of intervening+ €2,480

Your portfolio versus ghost portfolio

Status ladder

Calm

Attention

Crisis

Plan fit

82

Days on plan

47

No instruction. The gap between plan and action becomes visible.

Evidence

Status ladder

The view distinguishes calm, attention and crisis.

Context

Ghost portfolio

The actual path is read against a calm comparison path.

Look-back

Journal

Deviations are recorded without overwriting older entries.

Append-only

Short answer

Behavior is measurable before it gets expensive.

Investboard Behavior shows whether your decisions still fit your mandate. It makes crisis reactions, deviations and the cost of intervening visible without placing an order or prescribing an action.

  1. 01Status ladder for calm, attentive or critical phases.
  2. 02Ghost portfolio as a look back at interventions and their euro effect.
  3. 03Journal, cohort and household logic for repeatable decisions.
01Behavior command center

A view that grows calmer when things grow loud.

The behavior command center runs a status ladder that shifts the whole view between calm, attention and crisis.

Status ladder
Three levels: calm, attention and crisis. They do not just change a color; they calm the whole view.
Crisis note
In a crisis, your own pre-written note to a calmer self appears. A reminder, not a call to action.
My rules
Your own rules are evaluated against the same signals as your notifications, so both see the same thing.
02Cost of intervening

What intervening really costs.

Investboard sets your portfolio against a ghost portfolio that never intervened. It prices the difference in euros, on the basis of available data.

Ghost portfolio
A comparison path that keeps your original allocation and never intervenes, shown beside your actual path.
Priced in euros
The gap between the two paths as a euro amount, not a vague feeling. A look back, not a forecast.
Cost of interveningIllustrative example
+ € 2,480Cost over 12 months
03Journal, cohort & household

Record, compare, plan together.

A journal records your deviations, a cohort frames them, and household tools think beyond the single person.

Journal & annual review
An append-only deviation journal that overwrites nothing, plus an annual review of your own behavior.
Cohort comparison
A comparison against real, anonymized peers in your age bracket, with k-anonymity and at least fifty per group.
Household
A joint Sparerpauschbetrag, spouse-level loss offsetting and junior accounts, for planning beyond one person.

Plan and outcome

The gap between plan and outcome is behavior.

Investboard makes the gap visible: context, not instruction.

What is included

Three mandate rules on Free. The cohort comparison from Pro, the household account on Premium. All figures without guarantee, not investment advice.

FAQ
What does the behavior command center measure?

The behavior command center measures signals around plan fidelity, deviations, interventions and crisis status. It is a behavior view, not a return ranking and not an investment recommendation.

What is a ghost portfolio?

A ghost portfolio is a comparison path that keeps the original allocation and ignores later interventions. It shows how actual decisions affected the portfolio compared with the original plan.

Can cohort data identify individual users?

No. The cohort comparison works with anonymized groups and minimum group sizes. Individual users are not exposed.

Make your behavior visible.

Open the behavior command center.

Start for freeView demo
Behavior command center
Illustrative example
My mandateOn plan

How your behavior aligns with your strategy

Your decisions sit calmly within your mandate.

Plan fidelity

82

Days on plan

47

Your portfolioNo intervention