Table of contents:
- 1 What is a Demo Account for shares?
- 2 Sample portfolios – exchange trading without real money (2020)
- 2.1 What is a sample portfolio?
- 2.2 Why should one use a sample portfolio?
- 2.3 Sample portfolios for experienced traders?
- 2.4 How much does a sample portfolio cost?
- 2.5 Functions of sample portfolios
- 2.6 Which sample portfolio should I choose?
- 2.7 Find the best sample depot?
- 2.8 The big sample portfolio comparison
- 2.9 Comdirect sample account
- 2.10 OnVista sample depot
- 2.11 S-Broker sample portfolio
- 2.12 Sample securities account of ARD stock exchange
- 2.13 CFD sample portfolio from Plus500
- 2.14 How does the setup of a sample account work
- 2.15 Risks with sample securities accounts
- 2.16 Conclusion on the model portfolios
Are you looking for a free demo account or sample portfolio of shares to replicate a portfolio or simply to test trading? – Then you are exactly right on this page! I show you 2 good and serious providers with whom you can create a free practice account and place trades at real prices. Inform yourself about all features and conditions of the virtual portfolio.
A demo account for shares is a virtual account with any balance. It is designed to imitate real trading. Beginners and also advanced traders can benefit from the advantages of the demo account. You can test the trading platforms without risk. Moreover, with the virtual portfolio, you can expand your experience and even try new strategies.
The advantages of the stock demo account:
- Virtual balance
- Test the trade without risk
- Practice new strategies
- 1 to 1 imitation of real money trading
On this page I recommend the regulated stock providers XTB and Etoro. Both brokers offer you the opportunity to test all trading functions under real conditions in the demo account. You will receive a virtual credit with 10.000€ (optionally higher, just contact the support or set it yourself in the menu).
On the Internet there are of course other providers with the chance to open a sample account. In comparison, however, XTB and Etoro scored best with me, because there are no restrictions or limitations in trading. According to my tests there are no differences between the virtual account and real money trading.
The advantages of the stock provider Etoro and XTB:
- Fully regulated European providers
- Shares of 16 global stock exchanges
- Real-time quotes and fast access
- Transparent fee model
- German Support and Service
- Extensive trading platform with professional tools
- Free demo account
- Low minimum deposit
- Fast change between demo and real money trading
- Various apps and trading platforms for the share demo account
- How to open your stock demo account:
- To open a demo account, all you need is your email address, full name and a secure password. Make sure you enter the correct personal information so that there are no complications with future real money trading. The account can be opened in a few minutes.
In the picture below you can see the account opening form:
Account verification is not necessary in demo mode and is only needed after you start trading for real money. Since the presented providers are regulated, you have to verify the customers before they can deposit money. This is done through various documents that are uploaded to the trading platform. Before trading with real money, this step should have taken place for the complete account opening.
Verification is only required for real money trading:
- Uploading proof of identity
- Uploading an address verification
- Completion of personal data
WHY SHOULD YOU USE A SAMPLE SHARE PORTFOLIO FOR PRACTICE?
Anyone who is serious about investing in the stock market should think carefully about their investments and plans and test them beforehand. There is no money to be made on the stock market without taking risks. Thanks to electronic trading, it is now possible to invest online via brokers directly with just a few clicks. However, this is sometimes not so easy!
Different software is offered, which at first sight seems complicated. After the first few assessments, however, my experience shows that you can handle them very well. The trading software is in most cases available for every device. Use the computer or a mobile device.
The advantage of a free sample portfolio for shares is that you can test the software extensively. In addition, you can test your own investment strategies, because it is a virtual portfolio. A demo account offers the investor more opportunities to try out the markets without risk.
- Test the trading software in the demo account extensively to avoid mistakes later.
- Try out different investment strategies on your own
Professional trading software for the sample portfolio
In the picture above you can see the trading software of XTB for the browser. This is also available as an app (picture below). With the software you can select stocks from over 16 worldwide stock exchanges (right). Use the search field to find your favourite share or a hot newcomer.
With the software you can view the current marketoders (orderbook) and the spread (difference between buy and sell price). So you can see how many shares are available at which price.
Use different indicators or technical tools to get a perfect start with the software. The chat offers you many possibilities for this. Also fundamental stocks can be analysed professionally. Using the stock screener you can, for example, select the stocks that have a good price-earnings ratio or that generate the most dividends.
The advantages of the trading software:
- Direct access to worldwide stocks
- Transparent presentation of orders in the market
- For the browser and as an app
- Use the chart for chart analysis (many tools)
- Find the best stocks via the stock screener
- Fast support via chat, phone, mail
- The latest market news
A demo account with virtual credit is no longer a problem these days. Etoro and XTB offer you the opportunity to test the markets and trading platform. Compared to other providers these brokers have the best conditions. Unfortunately not every online broker offers a free test account.
Use the stock demo account to test your own strategies or investments. Before you invest with real money on your own, the demo account is of course also suitable for testing the trading platform.
With the sample portfolio from Etoro and XTB you are well positioned for 2020! I can only recommend it to everyone to create a securities account with virtual credit.
Sample portfolios – exchange trading without real money (2020)
If you are new to the stock market or want to try out new strategies, you are usually not interested in spending a lot of money on a test or on practicing with new strategies. Because this money you want to invest elsewhere, of course. In order to be able to train as real as possible, some brokers offer so-called sample portfolios, some also call them demo accounts. These offer the possibility purely in theory and without financial obligations to test, practice, discard and perfect yourself and your strategy.
What is a sample portfolio?
A model portfolio is a large playground where you can let off steam as an investor without the use of real money. Since stock exchange trading nowadays no longer depends on stockbrokers and floor trading, you can trade online with real money. With the sample portfolio you simply trade with virtual money online. The advantage is that all possible losses are purely fictitious and do not require any compensation with private assets. However, this is also a disadvantage, because as a consequence all profits are also purely fictitious. However, the stock market prices are not fictitious. These are real and most brokers provide the same live data as in real trading.
Sample portfolios are therefore particularly suitable for beginners who have little contact with the stock market and simply want to try out stock market trading. Even more experienced investors are always looking for new strategies or want to optimize existing ones. Sample portfolios are also very well suited for this purpose, as you can trade many different products with them nowadays. Some platforms also offer insight into the sample portfolios of experienced traders, which can be very interesting especially for beginners. This is ultimately a type of social trading in the fictitious area. As in social trading, you can transparently follow which purchases and sales the respective trader makes and what his strategy is. Newcomers can learn a lot from this.
Why should one use a sample portfolio?
Until a few years ago there were significantly fewer sample portfolios. There you could try yourself as a beginner and professional in many a stock exchange game with such a sample portfolio from the well-known banks and brokers, but there was nothing more. However, the desire for a playground for trades has become more and more popular among investors, which is why the number and the possibilities in dealing with the model portfolio have increased more and more.
Nowadays, such a model portfolio is an attractive testing opportunity for all types of investors, whether they have a lot or little experience or whether they want to trade shares and their key figures (easy to analyse with share screens), CFDs or options.
Sample portfolios that realistically represent 100 percent of stock exchange trading, apart from money, are particularly good. Thus, for example, stock market beginners learn how it is to collect a dividend, how the market value of the share and the status of the portfolio changes as a result. In the same way, transaction costs also arise with the model portfolio, which give investors an idea of the position sizes with which one should trade. This allows you to practice dealing with a stock portfolio very well before you plunge into stock market trading with your private assets.
Sample portfolios for experienced traders?
The advantages described above are mainly for beginners and you have to ask yourself what benefits a model portfolio can have for an experienced investor. After all, someone with experience certainly already has a feel for dividends, transaction costs and the opportunities and risks of investments such as with penny stocks or a short sale. However, the knowledge of experienced investors with demo accounts can also be developed very well.
Every trader should be interested in refining his own strategy and becoming more and more successful. If one would like to test a new strategy without obligation, it would be a pity to bet real money with an uncertain outcome. With a sample portfolio such a test can be carried out very well and thus helps even experienced investors to gain new knowledge.
Some investors, for example, have acquired a broad knowledge of the normal share trading of domestic and foreign companies and understand the actual stock market game very well, but now want to expand the portfolio with CFDs or warrants. With a sample portfolio the simple training for this can begin. Once you have developed a successful new strategy, it makes much more sense to trade with real money.
How much does a sample portfolio cost?
As a rule, sample portfolios are free of charge and can be used after a simple registration with the respective broker. Thus, you do not have to spend real money to invest with fictitious money on the stock exchange. The costs incurred in terms of transaction costs etc. are debited from the fictitious account and are not connected to the real account.
With most brokers you do not need to have your own account or even a securities account to open a fictitious account. This is usually also possible. The goal of the respective broker is, of course, that sooner or later the test person changes from a sample account to a real account.
Functions of sample portfolios
Usually there is no difference between a real depot and the sample depot in terms of exterior and handling. The brokers also want to make the later changeover easier and therefore only have to program their system once and then make it available in both variants.
With each demo account, the basics such as buying and selling shares are made possible. With most of them, however, it goes even further and trading with options, knockout certificates or CFDs is no problem.
Additional functions such as a precise overview of purchases and sales as well as current prices and price developments should be standard. In this way, every sample investor can track his profits and losses at a glance. Detailed stock exchange charts, watch lists or company information are usually also provided.
Some providers offer additional features such as app applications or a price alert via e-mail, WhatsApp or similar. However, these functions are often subject to a fee. Real-time data is also not included in the basic configuration of some sample portfolios. In this case, it is worth comparing the individual portfolios. A few of the most common brokers for demo accounts are listed below.
Which sample portfolio should I choose?
Depending on the desired benefits, the possibilities and the products offered, different demo accounts can be considered. An inexperienced newcomer should first deal with the usual stock trading before dealing in options or CFDs. An experienced investor may want to learn more about day trading or swing trading and therefore is more likely to set price alerts. In order to give a rough estimate of what functions a sample portfolio should have for a newcomer to the stock market or an experienced trader, here is a brief overview:
|Newcomer to the stock market||Experienced traders|
|clear presentation of courses and charts||✔||✔|
|notional costs and profits from dividends, order fees||✔||✔|
|Presentation of profits and losses||✔||✔|
|Trading in warrants,|
Knock Out Certificates, CFDs etc.
|Additional paid elements such as course alerts, apps||✖||✔|
Find the best sample depot?
There are now countless sample depots, so it is hard to say which one is the best of all. Rather, it depends very much on what you want to test with the demo account and which functions you need for it. The demo accounts of most well-known brokers have the same functions anyway and it depends mainly on the goal of the user. Sometimes also the design or a more intuitive handling of the account is decisive. The range of products and shares certainly plays a smaller role in a model portfolio for beginners. Experienced traders should of course pay attention to what functions and possibilities are available or not available.
The big sample portfolio comparison
In order to get to know a few common sample depots, some providers and their demo accounts are briefly introduced below with their functions, advantages and disadvantages. The order represents a small ranking. This reflects however only our view and does not have to be understood as generally valid comparison ranking. The CFD Broker Plus500 is excluded, because it represents a completely different product portfolio. However, since a CFD sample account is relevant for some investors, this is also presented here.
Comdirect sample account
Comdirect in itself is an online bank that offers stock exchange trading. This means that it is a sample securities account from a bank and not from a broker. However, this difference plays almost no role in the handling.
The sample portfolio is free and you can even have several portfolios at the same time. This is particularly suitable for the application of different strategies in order to compare them directly with each other. You can use this sample portfolio for an unlimited period of time and, if you wish, you can let it run for a few weeks up to several years.
The greatest advantage of the Comdirect sample portfolio is the watch list. Here you can add shares to your own watchlist, just like with a real portfolio, in order to be able to track the desired shares better. This means that you don’t have to search for them again and again, but can see their performance at a glance. The sample portfolio is also available in the app, so you can easily trade with your smartphone.
With this portfolio you can monitor and trade stocks, indices, currencies and interest rates. Especially nice is also the possibility of buying limits. Comdirect customers can also import their existing real portfolio and play around with it a little.
One disadvantage, however, is the data preparation. If you want real-time quotes, you only get them as a Comdirect customer. All others have to be satisfied with less frequent quotes per day.
OnVista sample depot
The OnVista Depot is widely regarded as the market leader among the sample depots, but in our opinion it offers a touch less than the Comdirect. In general, however, OnVista enjoys a good reputation and offers its users very comprehensive programs and possibilities in all areas.
OnVista offers a wide range of products, including securities, funds, ETFs, bonds, options and certificates. The product portfolio is therefore broadly diversified and OnVista offers a very good sample portfolio for beginners and advanced users alike.
The depot is free of charge and, as with Comdirect, you can use it for an unlimited period of time. In order to test different strategies, 15 sample depots are possible at the same time, whose success can be followed in well prepared lists and charts. The stock watchlist is also worth mentioning and can be viewed and managed both via the browser and the in-house app.
However, the real-time prices are only available for a fee, which is why we favour Comdirect a little bit, which after all enables this for its customers and provides alarms and limits at the same time.
In the end, the overall package from OnVista is also very good.
S-Broker sample portfolio
Some newcomers to the stock exchange work with the S-Broker, the broker of the savings banks, as they are customers there anyway. This makes sense in the beginning, because opening and managing a securities account does not mean changing the house bank. However, you do not have to be a savings bank customer to use a sample securities account from the S-Broker.
The sample portfolio of the S-Broker is free of charge and can be used for an unlimited period of time. As with the competition, several depots are possible at the same time, so that you can try out in all directions. There is also a watch list for the desired shares. The S-Broker app can also be used to manage the sample portfolio. The limit function is also nice. Here every user can set his own limits and will be notified by e-mail when the limit is reached.
But even with the S-Broker, the prices are not displayed in real time and the product selection is generally more limited. However, this goes hand in hand with the “real” S-Broker. There is a further deduction for the fact that a postal address and date of birth are required in addition to the e-mail address when registering for the S-Broker’s sample securities account. For a casual sample portfolio, a little too much unnecessary data is required here.
Sample securities account of ARD stock exchange
The ARD offers a quite comprehensive stock exchange department and there you can also find their sample portfolio. Compared to the others, this one offers a little bit more slimmed down possibilities, but is also free. As with the others, there is no time limit on the holding of the portfolio and you can maintain several sample portfolios at the same time. There is also a watchlist, which is quite clearly arranged. Furthermore, the whole site is very clear and the different possibilities for portfolio analysis are especially nice. Some competitors could cut themselves a small slice.
This sample portfolio completely dispenses with additional offers that require payment, which in return means that real-time prices cannot be displayed. An extra app is also not available.
The sample portfolio of Börse ARD is generally quite simple and plain and therefore rather something for the minimalists among the sample portfolio searchers.
|free||time limit||different / multiple depots||Watchlist||App||Real-time rates|
|Comdirect||✔||unlimited||✔||✔||✔||only for customers|
|OnVista||✔||unlimited||✔||✔||✔||for a fee|
CFD sample portfolio from Plus500
To introduce yet another category of sample portfolios, the CFD sample portfolio of Plus500 will serve as an example. This is a model portfolio specialized in trading CFDs. This is also possible with Comdirect or OnVista, but they are not really at home there. Instead, the Plus500 sample account is a free demo account where you can trade CFDs at your own pace.
Registration is particularly easy and can also be done with the respective Google, Facebook or Apple account, for example. As soon as you have registered, you as a user have a wide range of options available to you with watch lists, buying options, etc. As real-time prices are very important for trading CFDs, Plus500 includes this as standard in the sample portfolio. With the corresponding app, it is also very easy to transfer the trial and error to the smartphone.
Other providers such as Flatex or Admiralmarkets also offer free CFD sample portfolios. But we do not want to go into these in detail at this point.
How does the setup of a sample account work
Setting up a model custody account is usually very simple and does not necessarily require you to be a customer of the respective bank or broker. With our simple step-by-step instructions, not much can go wrong.
You choose the appropriate provider according to your wishes and requirements for a sample portfolio.
After you have found the provider, you register on their website for a sample portfolio or sometimes also called demo account. Mostly only the mail address and the name is important for this (apart from the S-Broker, as explained above).
Each sample account is a bit different in design and handling. Please familiarize yourself with the operation of the sample account by means of the provided tutorials and instructions. Then you can set it up all the better.
After everything is set up, you can start trading on the playground. Use the possibility to set up different portfolios and test several strategies against each other at the same time. This can be worthwhile in order to reach the best strategy faster.
Tips for beginners for the sample portfolio
A sample portfolio allows trading with pure cluelessness, but you should also consider a few tips from more experienced stockbrokers in order to achieve the desired success more sensibly and quickly.
As with a real portfolio, you should always pay attention to diversification. Tesla is a great hype and can go on well, but it makes more sense to focus on ten to twenty stocks from all sectors. Diversification allows you to achieve a more balanced strategy and compensate for losses in one sector with gains in another.
Although the model portfolio usually offers a lot of fictitious money to trade, it is not much use trading with five to six digit amounts and with real money only in the lower four or even three digit Euro range. This gives you a feeling of casino rather than a realistic assessment of your options. For this reason, you should also estimate how you would act in real money in the sample portfolio and implement this in this way.
Act as realistically as possible: Would you gamble wildly and indiscriminately with your real money or would you act based on analyses? A gambler sample portfolio can be maintained, but it should not be the primary goal. Because you want to learn something and not play roulette.
Coincidences and the stock market can make a profit now and then, but in the end a sensible strategy is the key to success. Therefore, consider a strategy even before you start trading with the sample portfolio and do not buy randomly.
What are your own strengths and areas of knowledge? Use this knowledge about industries and companies for your actions.
Take a look at sample portfolios from professionals. You can always learn from others in life. Such sample portfolios can be found online at Handelsblatt or Der Aktionär.
Only trade investment products that you understand. This rule applies to both fictitious and real money. Otherwise you can quickly incur unpleasant losses.
Risks with sample securities accounts
Actually, sample portfolios do not show any real risks. Because you trade with play money and can buy and sell as you like. There is no obligation to make additional contributions or similar when using a sample portfolio. However, there is a psychological risk that should not be underestimated when switching from a model portfolio to a real portfolio.
As long as you trade with play money, you cannot lose your own money. This certainly tempts some people to invest larger sums or to trade riskier securities and strategies. That is why you have to ask yourself whether you would do this so carelessly with your real money. Again, the fear and anxiety about real money is always present with most investors, especially inexperienced beginners. If you now test a risky strategy with the model portfolio and it goes wrong, then that’s what happened. If this happens with real money and the trades all end up in double digits in the red, many an investor could panic and withdraw his money. And panic is rarely a good trading partner on the stock exchange.
That is why all investors should be aware that the inhibition threshold for some trades with a sample portfolio is much lower. Those who know this can pay attention to this and only invest with the play money in the same way as you would with real money. Or you can keep in mind that you cannot and should not handle your own money as lightly as you might try it with a sample portfolio.
Conclusion on the model portfolios
In conclusion, it can be said that these test portfolios are a good and, above all, free opportunity to learn about the laws and events of the stock market. Beginners can learn a lot without having to spend and possibly lose real money, which is why sample portfolios are particularly suitable for them. Experienced traders can also use demo accounts to test new strategies or to try their hand at trading new asset classes.
The compared sample portfolios all offer good products with which one can enter into fictitious stock trading without hesitation. Depending on the individual ideas and requirements of the sample portfolio, you should then choose the provider.