Invest successfully in finance: earn money, let others work

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Text comes from: Des klugen Investors Handbuch: Warum man mit Nein! das meiste Geld verdient und mit welchen Großaktionären man sich ins Bett legen darf (2016) by Dr. Markus Elsässer, published by Münchener Verlagsgruppe (MVG), Reprints by friendly permission of the publisher.
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Wealth is mostly based on smart long-term strategies and perseverance. Then you can let others work for you in your sleep. But long-term thinking is not that easy.

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Dr. Markus Elsässer is considered one of the best bankers and fund managers in Europe.


From the author:



Invest long-term - get rich in a sleeping car

Successful long-term investors enjoy a good reputation on the stock exchange. They are considered like dinosaurs who could take advantage of the hour in a distant time. "Yes, back then in the 80 and 90 years, yes, the shares were still cheap to buy." It is completely overlooked that a long-term and consistent investment policy fundamentally significantly increases the chance of an increase in assets. Unfortunately, this has been forgotten. The financial system of the big banking industry prefers to act at short notice until the next picket fence.

When was the last time your bank or financial advisor advised you to keep an attractive share or a first-class fund in your custody account for at least ten or 20 years? Even in times of financial turbulence? Have you been shown the beautiful examples of success of how such long-term investment approaches have recently paid off for other investors? Never? I wouldn't be surprised. The success stories are obvious. Take a look at the course developments over long periods of time and make clear how quickly these periods have finally passed. I would just like to mention two examples here.

Nestlé shares traded 2003 at 18 euros in April and rose to 2016 by April 65. And on the Frankfurt Stock Exchange, Darmstadt-based Merck KGaA also performed exceptionally well with an increase in value from 23 Euro to 104 Euro in the period from March 2003 to April 2015. This pattern has been used in stages from ten to 20 years since the Second World War. Exorbitant asset growth of this kind is therefore no exception in the years 2003 to 2016. In addition to the pleasing price increases, there was also a warm rain of dividends for many stocks. And with an increasing trend every year.

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Longevity counts

Many investors simply don't want to admit this. The well-kept secret is rarely revealed: patiently sitting out in first-class values ​​was and is the best way to get ahead with your capital without stress. A ValueInvestor friend of mine calls it: "Get rich in a sleeping car". It requires a rethink. Let's use an old formula. The rule of thumb used to be when determining the equity quota: »100 minus age«. So if you were 30 years old, you should invest 70 percent of your assets in shares. Those who were 60 years old, on the other hand, hold a share of only 40 percent. The same thought was given to the topic of “holding period”.

I have been a pioneer in statistical no man's land for 20 years. In times of ever better medical care, with a life expectancy that can well exceed the 100 year limit, I interpret the word »long-term« differently than in my youth. I have been pleading all the more for long-term prospects when it comes to investing since fixed interest income has been set to "zero".

In the previous scheme, the typical investor is used to thinking (possibly under certain circumstances) long-term only in the period from 40 to 60. But today the sixty-year-old is advised to invest again with an 20 year perspective. Because 80 is not an art these days. In view of the uncertain state pension provision, I would fundamentally align my investment strategy with the long term. Regardless of my age. On the way to real financial independence, traveling in a sleeping car is simply more comfortable.

Just do nothing - a good stock exchange rule

The old stock marketers have always known: "Back and forth, make your pockets empty." However, the broker and stock exchange industry is looking for as many transactions as possible. Smart investors are prudent and calm. They follow advice that bankers rarely hear: just do nothing!

Warren Buffett (85 years) once said in Omaha: "There are times on the stock market when the brilliant investor excels at doing nothing." And his companion Charlie Munger (91 years) from California also said: "A really good stock is the one you can sit on for many years. ”That has nothing to do with a plea for laziness. However, it is mostly overlooked that a fortune does not arise overnight. It has to ripen. Instead of nervously studying the stock market comments every day, the prudent investor can do better with his time: reading, listening to music, doing something for his health.

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Beware of actionism

Building wealth has nothing to do with actionism. A long-term strategy is required. It boils down to a simple formula: making a fortune is not that difficult, but it is quite boring. And there are still stocks today that offer this long-term potential. Take a look at the Fielmann AG share. In the past eleven years, the value has more than quintupled!

My grandmother's childhood friend, Walter Beiler, was a well-known freelancer based on the stock exchanges in Frankfurt and Düsseldorf during the economic miracle years. "What's in the boar in the forest is Walter Beiler on the stock exchange," he was called in the press. As a young man, I visited 1973 in his stock exchange office at the gallery of the Düsseldorf stock exchange hall. Slowly and quietly, he pointed me to a colleague in the office next door and said to me: "Look out, that's a really good man with the shares. He often doesn't do anything. «Back then I was surprised at this statement. Today, more than 40 years later, I appreciate his advice.

Building up wealth: the ten percent model

Most workers run into a pension gap in old age. It is not the government's fault. There is a good solution for young people who are just beginning their careers. Financial independence in old age can only be achieved through a long-term strategy of saving behavior. Systematic saving forms the basis for later capital investments. The word "save" sounds a bit old-fashioned and is currently not popular with many people. But without the simple "spend less than you earn" pension benefits will not work.

How do you best approach this topic? What should you recommend to young people? I can think of a simple but effective savings model from my past: When I started my career at Dow Chemical in the 80 years, we had the opportunity to invest 10 percent of our gross wages in company shares. The nice thing about the model was that these 10 percent of gross wages were deducted from the payroll every month. So you didn't get that amount of money in your hand. It was as if the monthly salary had been cut by 10 percent.

The automatism of this economy model is the linchpin. The systematic approach of shifting your consumption and spending behavior from the first job to a salary reduced by 10 percentage points is a good move. With each salary improvement, the deduction savings amount is increased accordingly: Always 10 percent of the gross salary. Ultimately, it doesn't matter whether the employer retains the monthly amounts or whether you organize yourself using a standing order. Anyone who has been using this savings model for decades without interruption, month after month, winter and summer, without going back and forth, will be amazed one day. Without ever feeling a restriction in his life, the employee grows a considerable fortune.

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