IHK-certified adviser · §34f GewO

In life, everything has a price, even happiness.

Learn to invest in

Take control of your financial future. For the French-speaking diaspora in Europe, Canada, the United States and Africa: ETFs, stocks, options, gold, real estate and German taxation, with coaching in French from a registered professional.

Book my free seat Free discovery session
  • ≈ 100students trained
  • 200+free live sessions held
  • §34fIHK-certified
Willy D., founder of ToutSachetInvest New in 2027 Altersvorsorgedepot up to €540 in subsidies a year →
Live prices
IntelligenceUnderstand to decide.
StrategyPlan today, free yourself tomorrow.
WealthBuild, protect, pass on.
FreedomLive by your own rules.
  • 2 000+TikTok followers
  • 100+YouTube subscribers · brand-new channel
  • ≈ 100students trained
  • 8countries

Our students come from Canada · France · Belgium · Switzerland · Luxembourg · Germany · Cameroon · United States

Welcome to ToutSachetInvest

Intelligence. Strategy. Wealth. Freedom.

A clear method for investing in ETFs, stocks, options and real estate, with an engineer's rigour and the framework of a certified §34f adviser.

See the free lives

My story

The day the stock market became real

For a long time, the stock market felt like a distant world to me: red and green screens, complicated jargon, a universe reserved for insiders. Like many of us, I had learned to work hard and to save. Nobody had taught me how to make my money work for me.

Everything changed the day I walked through the doors of the Frankfurt Stock Exchange. Watching prices scroll live, understanding that behind every line there are real companies, real products, real profits… I realised this world was not closed. It was simply badly explained.

Then came New York. Standing in front of the New York Stock Exchange, on Wall Street, it all clicked: wealth isn't only built by working for the economy. It is built by becoming an owner of a share of the economy.

I came home with a conviction: this knowledge must be passed on, in French, simply, to those who never had the chance to have it explained to them.

"I pass on to you the method I wish I had been given the day I made my first investment."Willy D., founder of ToutSachetInvest
  1. The turning pointFrankfurt, then New YorkVisiting the Frankfurt and Wall Street exchanges changed how I see money.
  2. Step 1ETFsI start simple: a monthly savings plan, diversification and discipline.
  3. Step 2StocksI learn to analyse companies with Benjamin Graham's value method.
  4. 2019 · Step 3OptionsI master options to generate income and manage risk better.
  5. TodayToutSachetInvestIHK §34f certified, I pass this method on to the French-speaking diaspora worldwide.

Agenda · November 2026

Three free live sessions to get started

Online, at 8 pm (Berlin time), accessible from anywhere in the world. Your local time is shown under each live.

  1. Free 8:00 pm · Online

    Stocks Workshop

    How to choose stocks: financial markets, good companies and Benjamin Graham's method.

    50 seats maximum
    Sign me up

  2. Free 8:00 pm · Online

    Options Workshop

    How to master options: calls, puts, income strategies and risk management.

    50 seats maximum
    Sign me up

  3. Free 8:00 pm · Online

    Masterclass ETF

    Choosing ETFs, setting up a Sparplan, understanding Teilfreistellung and Vorabpauschale.

    50 seats maximum
    Sign me up

Want to go further? Discover the full programmes

Full programmes

From beginner to independent investor

Each programme starts right after its free live, one session per week in a small group. Pay in one or two instalments.

Stocks Workshop

How to choose stocks

Price
300 € or 2 × €150
Start
1 November
Duration
8 weeks

You start as a beginner

  1. Module 1Understanding financial markets and stock trading
  2. Module 2Finding good stocks
  3. Module 3Spotting good opportunities and building a portfolio
  4. Module 4Fundamental and technical analysis
  5. Module 5Fundamental and technical analysis, part 1
  6. Module 6Fundamental and technical analysis, part 2
  7. Module 7Trading psychology and risk management
  8. Module 8Tools and resources, opening an account, practical examples

Now independent

The format

1 live session per week, usually from 8 pm (Berlin time), online on Google Meet.

Can't make it? The replay and the video summary are available.

  • PDF handoutfor every module
  • Flashcards and mind mapfor every module, for quick revision
  • Video replayof every recorded session
  • Condensed video summaryfor every module
  • Quizin every session
  • Practical exercisesapplied to real cases
  • Checklist"How to choose stocks"
  • Trading journalto track and analyse every position
  • Private follow-up groupto ask your questions between sessions
  • ToutSachetInvest VIP Clubthen access to the private circle
Join the Stocks programme First, the free live on 1 November

Satisfied or your money back

Not convinced after the 1st session? I'll refund you in full. Just let me know before the 2nd session, no questions asked. Valid for the Stocks, Options and ETF programmes and the bundle.

Stocks + Options bundle: €800 instead of €900 (or 2 × €400). Monthly VIP coaching is included and you join the Club.

"Markets reward those who keep their discipline."

Choose the bundle

Services

§34f financial advice and guidance

Independent financial adviser certified under §34f GewO. I guide you from analysing your situation through to implementing your strategy.

Investing & financial markets

  • Analysis of your financial situation and investor profile
  • Investment advice under §34f GewO
  • Building, selecting, analysing and optimising an ETF portfolio
  • Defining your risk profile and a long-term strategy

Wealth strategy

  • Review of your existing investments: Riester pension, insurance, contracts
  • Short, medium and long-term goals
  • Financial preparation for retirement
  • Investment strategy for children
  • Comparing different investment solutions

Guidance & education

  • Coaching on investing basics
  • Understanding the taxation of your investments in Germany
  • Real estate, gold and other asset classes
  • Stocks and Options Workshops, Masterclass ETF
  • Access to the private ToutSachetInvest Club

Wherever you are

Designed for the French-speaking diaspora

Investing principles are the same everywhere. What changes are the accounts, the taxes and the local pitfalls.

Germany · my speciality

You live in Germany

  • ETF Sparplan and German taxation
  • Altersvorsorgedepot 2027, Riester
  • Buying property and mortgages
  • Advice under §34f

France · Belgium · Switzerland · Luxembourg

Elsewhere in Europe

  • UCITS ETFs and savings plans
  • PEA and life insurance in France
  • Diversification and risk management

Canada · United States

In North America

  • TFSA, RRSP, 401(k), IRA: using them well
  • Stocks and options on US markets
  • Lives at 2 pm Montreal and New York time

French-speaking Africa

In Africa

  • Investing from Africa and diversifying internationally
  • BRVM, BVMAC and pointers on regulators
  • Property projects back home without nasty surprises

Investment advice under §34f GewO applies in Germany. For people living in other countries, the support is educational; for your local taxes, I will refer you to a professional in your country.

One-to-one coaching

Tailor-made support

Educational framework, by Google Meet video call or in Stuttgart. Start with 30 free minutes to take stock.

How I work

  1. 1Introductory meetingWe get to know each other during the free discovery session.
  2. 2Needs and goalsWhat you want to fund, and when.
  3. 3Investment capacityIncome, expenses, emergency savings, debts.
  4. 4Tailored strategyAn allocation that matches your risk profile.
  5. 5SupportStep-by-step implementation, then regular follow-up.
  6. 6Private clubYou join the ToutSachetInvest Club community.

Discovery session

0 €30 min

Get to know each other, clarify your goals and see which format suits you.

Book a slot

60-min session

150 €per session

One specific question: an ETF, a loan, an option, a contract to review.

Book

Most popular

4-session bundle

500 €4 × 1 h · 1 per week

That's €125 per hour. Build your complete strategy in one month.

Choose this bundle

Intensive monthly coaching

800 €4 × 2 h · 1 per week

That's €100 per hour. To go in depth and implement step by step.

Choose this programme

Net prices. Under §19 UStG, no VAT is charged (small business scheme).

ToutSachetInvest Club logo

ToutSachetInvest VIP Club

Take control of your financial future

A select circle that meets every month: options strategies, stock analyses, ETF rebalancing, gold, Altersvorsorgedepot. Access is reserved for people who meet at least one of these criteria:

  • Stocks programmeCompleted all 8 modules
  • Options programmeCompleted all 8 modules
  • Initial private coaching4 one-to-one sessions of 1 h
  • Monthly VIP coaching4 sessions of 2 h per month · free with the Stocks + Options bundle
Request access

Book a call

Your 30-minute discovery session

Pick a slot directly in my calendar. The meeting takes place by Google Meet video call.

  1. Choose a slotAvailability is shown in real time.
  2. Get the invitationThe Google Meet link arrives by email and in your calendar.
  3. We talk for 30 minutesFree, no commitment.

Online booking coming soon.

Meanwhile, send your request: I'll offer you a Google Meet slot within 48 hours.

Request a slot

A quick question?

Free tools

Calculate before you decide

Calculators adapted to German rules. Indicative results, for educational purposes.

Purchase costs (Kaufnebenkosten)

€
%
3.57% incl. VAT is the most common buyer's share. Enter 0 if there is no agent.
%
%
€
Property transfer tax (Grunderwerbsteuer)–
Agent–
Notary–
Grundbuch–
Purchase costs –
Total project cost–
Loan required–

Purchase costs are usually paid from your down payment: many banks do not finance them. Grunderwerbsteuer rates in force in 2026.

Live screeners (external sites, real-time market data)

Stocks · TradingView US stocks · Finviz ETF · justETF Options · Barchart

These tools are educational and do not constitute personalised investment advice.

Markets & earnings

What moves the stock market

Company earnings to watch, key AI figures and the big macro dates.

This week's news in 3 points

    Earnings calendar, all sectors

    DateCompanyReleaseWhy watch it

    New York time: "before open" = before 3:30 pm in Paris, "after close" = after 10 pm. Dates may change.

    AI focus: the giants' latest figures

    Key takeaway for investors

    AI is boosting the giants' revenue, but it is very expensive: Alphabet invested more than $51 billion in a single quarter and its free cash flow turned negative again. To judge a company, don't just look at growth: check that investments turn into profits and cash.

    Public information for educational purposes, not a recommendation to buy or sell. Sources: company releases, public earnings calendars, Bureau of Labor Statistics, Federal Reserve and ECB. Dates marked "to be confirmed" may change.

    Member area

    Your online investor space

    Track your stocks, analyse them with Benjamin Graham's method and find your courses, module by module.

    Free

    0 €

    • Watchlist of 10 stocks: US, Xetra, Euronext, BRVM
    • Selection of stocks to analyse
    • All the site's calculators
    Create my account
    1st month free

    Premium

    10 €/month

    after the free month · no commitment

    • Everything in Free
    • Unlimited, saved Graham analysis sheets
    • Unlimited watchlist with your notes
    • Reserved resources and documents
    Start my free month

    Students and VIP

    Included

    with every Workshop and the Masterclass

    • Everything in Premium
    • Your courses module by module: PDFs, flashcards, mind maps, replays
    • VIP Club for the Stocks and Options Workshops
    See the programmes

    Payment by Revolut bank transfer. If you don't pay at the end of the free month, Premium access simply stops: no automatic charges.

    Free resources

    Learn at your own pace

    Cover of the guide The 7 mistakes the diaspora makes when starting to invest

    Free PDF guide

    The 7 mistakes the diaspora makes when starting to invest

    8 pages to avoid the most expensive pitfalls, with pointers for Germany, Europe, Canada, the US and Africa.

    Article · Part 1 · 8 min

    Altersvorsorgedepot 2027: the complete guide

    Up to €540 in subsidies a year, plus €300 per child. Taxation, withdrawal at 65, Riester transfer.

    Read the article     Article · Tax · 7 min

    Freistellungsauftrag: €1,000 of gains tax-free

    The 5-minute setting that stops you paying unnecessary tax on your ETFs, interest and dividends.

    Read the article     Article · Part 2 · 9 min

    Which strategy for your profile? 5 real cases

    Young, family, executive, self-employed, diaspora: how much to pay in, and the checklist for January 2027.

    Read the article

    Willy's view

    Macro and micro analyses

    Current facts and what they change for an investor. These are educational analyses, not recommendations to buy or sell.

    Clara Sonia, a participant in ToutSachetInvest courses
    Clara SoniaFrankfurt · Masterclass ETF, Stocks and Options Workshops, private coaching

    Story time

    From fear of the stock market to a disciplined investor

    Before

    When Clara Sonia, who lives in Frankfurt, joined ToutSachetInvest, the stock market scared her. Investments seemed complicated, she didn't really understand how markets work and didn't know where to start.

    The turning point

    Rather than staying on the sidelines, she decided to learn, step by step, starting with the basics.

    • Masterclass ETF
    • Stocks Workshop
    • Options Workshop
    • Private coaching

    Today

    Clara has built her own investment method. She manages her portfolio with discipline and rigour, knows why she buys, holds or sells a position, and makes considered decisions without letting emotion guide her. Her first results encourage her to keep going.

    What makes me proudest is not a number: it's the growth in her knowledge, her independence and her confidence to decide on her own.

    "Investors aren't born. They are made through financial education, practice, discipline and patience."

    Thank you Clara for your trust and commitment. Willy

    At ToutSachetInvest, the goal is not to promise gains, but to pass on the knowledge and tools to become an independent, responsible investor. Testimonial published with Clara Sonia's consent. An individual journey: it says nothing about other people's results. All investment carries a risk of capital loss.

    Start like Clara: the free Masterclass ETF

    Why §34f

    A registered professional, not an influencer

    In Germany, brokering financial investments is regulated. The §34f GewO certificate, issued by the IHK after an exam, requires professional liability insurance and registration in the public register of intermediaries.

    • Verified expertiseIHK exam on products, law and taxation.
    • Public registerRegistration viewable on vermittlerregister.info.
    • LiabilityMandatory professional insurance.
    • Two perspectivesEngineer by training: method, figures, rigour.
    Willy D., founder of ToutSachetInvest, in a blue suit at the New York Stock Exchange
    Willy D.Founder · Stuttgart

    Introduction

    Hello, I'm Willy

    An electrical engineer with a Master's degree from Paderborn University, I live and work in Stuttgart. I created ToutSachetInvest after a simple observation: many French speakers settled in Germany save without understanding the local system, its products and its taxes.

    An active options investor since 2019, I select stocks using Benjamin Graham's value approach, combining fundamental and technical analysis. Holder of the IHK §34f GewO certificate, I pass on a clear method so that you make informed decisions.

    • ≈ 100students trained
    • 200+free live sessions held
    • 2019first options strategies

    "In life, everything has a price, even happiness."

    FAQ

    Frequently asked questions

    Are the November lives really free?

    Yes. The Stocks and Options Workshops and the Masterclass ETF in November are free and without commitment. The full programmes start the same day (€300, €600 and €200) for those who want to go deeper.

    What's the difference between the free live and the programme?

    The free live lasts one evening and presents the method. The programme follows a 5- or 8-week course, module by module, with exercises and Q&A, until you are independent.

    Can I pay in instalments?

    Yes, all programmes can be paid in two instalments: 2 × €150 (Stocks), 2 × €300 (Options), 2 × €100 (ETF) or 2 × €400 for the Stocks + Options bundle.

    What if I'm not satisfied?

    You're covered by the money-back guarantee: if the programme isn't right for you after the 1st session, let me know before the 2nd session and I'll refund you in full, no questions asked.

    How many seats are there per live?

    50 seats maximum per live, to leave time for your questions. The number of remaining seats is shown in the Agenda.

    How do I get monthly VIP coaching for free?

    With the Stocks + Options bundle at €800. Monthly VIP coaching is then included and gives you access to the ToutSachetInvest Club.

    I live in Canada, the US or Africa: can I take part?

    Yes. The lives and programmes are followed online from any country; your local time is shown in the agenda. Investing principles are universal. Detailed taxation is my speciality for Germany; for other countries, I give you the essential pointers and refer you to a local professional.

    What is the 2027 Altersvorsorgedepot?

    It is the new state-subsidised German retirement account, available from 1 January 2027. It replaces new Riester contracts. You invest in funds and ETFs, the state adds up to €540 a year plus €300 per child, and the money is available from age 65. Test your case in the Altersvorsorgedepot tab of the tools.

    Do you do my tax return?

    No. In Germany, preparing tax returns for others is reserved for Steuerberater and Lohnsteuerhilfevereine. I explain the taxation of your investments so that you understand your return and ask your tax adviser the right questions.

    Aren't options too risky?

    Options can amplify losses if misused. I first teach covered strategies, such as covered calls and cash-secured puts, with strict risk-management rules.

    Registration · 50 seats per live

    Book your seat

    Free live, full programme or private coaching: choose your option, I'll take care of the rest.

    • Instant confirmationby email, with your Google Meet link
    • Automatic remindersthe day before and 1 hour before each live
    • Personal replywithin 48 working hours for programmes
    • Satisfied or refundedin full after the 1st session of a programme
    • §34fIHK-certified
    • ≈ 100students trained
    • 200+free lives
    • LocationStuttgart · and online
    • LanguagesFrench, German
    • WhatsApp

    🔒 Your data stays confidential · No online payment

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