Investing has become increasingly global over the past few decades.
Today, investors can access companies, exchange-traded funds (ETFs), bonds, commodities, currencies, private market investments, and crypto from around the world. Building a diversified portfolio is more accessible than ever before.
Historically, investing internationally often meant opening foreign brokerage accounts, completing burdensome verification processes, wiring money internationally, converting local currency into U.S. dollars, paying multiple fees, and waiting days for funds to settle.
For many investors, the hardest part wasn't deciding what to invest in—it was simply gaining access.
Fortunately, that is beginning to change.
Modern financial infrastructure is making it possible for investors in Germany to access global markets through a much simpler experience. Instead of navigating multiple financial institutions, complicated funding processes, and expensive conversions, investors can now fund in the currency they already use and invest directly.
In this guide, you'll learn:
- Why more investors in Germany are building global portfolios.
- The biggest challenges of investing internationally from Germany.
- How different asset classes—including U.S. stocks, ETFs, bonds, commodities, currencies, private market investments, and crypto—can play different roles within a diversified portfolio.
- How Grow simplifies investing from Germany.
Why More People Are Investing Internationally from Germany
One of the most widely accepted principles of investing is diversification.
Rather than concentrating an entire portfolio in a single company, industry, country, or currency, many investors choose to spread their investments across different asset classes that may perform differently over time.
For investors in Germany, international investing can also provide access to companies, industries, and financial markets that may not be available locally. Instead of relying entirely on the performance of one country's economy or currency, investors can build exposure across global markets.
- U.S. stocks
- Exchange-traded funds (ETFs)
- Bonds
- Commodities
- Currencies
- Private market investments
- Crypto
Challenges of Investing Internationally from Germany
Although technology has made investing significantly more accessible, many investors in Germany still face unnecessary barriers when trying to build a global portfolio.
Burdensome Verification Processes
Opening an international investment account often involves identity verification, proof of address, tax documentation, and other compliance checks. Depending on the provider, approval may take anywhere from a few hours to several days.
Multiple Accounts and Funding Steps
Many traditional investing experiences require separate accounts for banking, foreign exchange, investing, and savings.
An investor may first transfer money to a bank, then send it to a brokerage, convert it into another currency, and only then purchase an investment. Managing several financial relationships increases complexity and creates more opportunities for delay.
Currency Conversion
Many international investment platforms require investors in Germany to convert EUR into U.S. dollars before they can invest in global markets.
Every currency conversion can introduce foreign exchange costs, additional waiting time, and unnecessary friction before an investment is even made.
High Fees
Investing internationally can involve several different costs, including brokerage commissions, foreign exchange spreads, international wire fees, custody fees, withdrawal fees, and other platform charges.
While any one fee may appear relatively small, costs can compound over time and reduce long-term investment returns.
Slow Funding and Settlement
Moving money internationally has traditionally taken time.
International wire transfers, brokerage funding, and settlement periods can delay when investors are able to buy investments or access their funds after selling.
High Minimum Investments
Historically, some investment products required investors to purchase full shares or commit relatively large amounts of capital before getting started.
Fractional investing has helped make investing more accessible by allowing investors to purchase smaller portions of many investments.
How Grow Simplifies Investing from Germany
Grow combines funding, earning, and investing in a single account. Investors in Germany can deposit in Euros (EUR) or fund with crypto, hold balances that earn yield, and buy global assets without managing a separate foreign exchange account.
1,107 assets are available to investors in Germany, with no commission on trades and fractional investing from as little as $1 where supported.
Building a Global Portfolio from Germany
Investing in U.S. Stocks from Germany
U.S. stocks give investors exposure to some of the world's largest and most widely held companies, across technology, healthcare, energy, consumer brands, and financials.
Investing in ETFs from Germany
ETFs bundle many holdings into a single investment, which can provide diversified exposure to an index, sector, region, or theme in one trade.
Investing in Bonds from Germany
Bonds represent debt issued by governments or companies and are often used to balance the volatility of equities within a portfolio.
Investing in Commodities from Germany
Commodities such as gold and silver provide exposure to physical markets that may behave differently from stocks and bonds.
Investing in Currencies from Germany
Holding multiple currencies can help investors manage exposure to their local currency. On Grow, eligible cash balances—including EUR—can also earn variable yield.
Investing in Private Markets from Germany
Pre-IPO exposure allows investors to participate in private companies before a public listing, through tokenized exposures backed by underlying shares held in an SPV.
Investing in Crypto from Germany
Crypto assets trade 24/7/365 and can be deposited or withdrawn across supported blockchains.
How to Start Investing from Germany
1. Create Your Grow Account
Download Grow and complete verification — it usually takes about a minute.
2. Deposit Euros
Fund your account using SEPA, Crypto, Bank Transfer.
3. Earn Yield on Your Euros
Choose which balances earn yield. Yield accrues continuously, with no minimum and no lockups.
4. Build Your Portfolio
Buy stocks, ETFs, bonds, commodities, currencies, pre-IPO exposure, and crypto directly from your balance.
5. Manage Your Portfolio
Track positions, rebalance, or copy a strategy — all in the same account as your cash.
6. Withdraw to EUR
Sell any position and withdraw back to EUR using the same methods you funded with.
Why Grow Makes Investing from Germany Easier
One account for funding, earning, and investing. No separate FX account, no multi-day settlement for everyday trades, and transparent pricing before you confirm an order.
Open a global investing account from Germany in minutes.
Get Grow