OSM Consulting, operated by Josef Holzmann e.K. in Düsseldorf, offers Sparfuchs, a savings and investment-related offering designed for people who want to begin with a modest amount rather than a large portfolio. It presents two options: Sparfuchs Basic, with an entry amount starting at €20, and Sparfuchs Premium, with four possible entry amounts of €25, €50, €100, or €200. The amounts describe the initial entry, not a promised return.

Interested people can register for Basic, Premium, or both at no cost and without obligation. OSM Consulting says it will provide information about the selected option, including its terms, costs, durations, and risks, by email or telephone. Applicants can then take time to decide; registering does not create a contract, and consent can be withdrawn at any time. The company states that registration details are used to contact applicants about Sparfuchs and are not shared with third parties for advertising. Sparfuchs is presented for general information and is not investment advice, a recommendation, or an offer to acquire financial instruments.