“We earn our Money too hard to then invest at low interest rates” once wrote a financial expert and Berufebilder.de-Author Stephanie Kühn. But how do you invest your money well in times of low interest rates? 5 publications by Stiftung Warentest provide tips.

Invest money profitably

The books on the subject

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Just like many People If you think about how you earn your money, you should think about how to invest it profitably.

But that's not so easy, because the ideal investment, the for sure as well as low-risk, which keeps money available at short notice at all times and still brings high interest rates, simply does not exist. If you want to invest your money wisely, you have to think carefully about your personal preferences and Set . make

The hype around financial adviser

So it's no wonder that at the moment there are advisory literature, blogs and Coaching on financial topics and investments are very popular. Some promise the quick way to wealth, the others are a bit more serious, some advise real estate, others to system in equity funds.

Which advice one trusts and which way one goes to the financial investment, is ultimately a matter of taste, depending on the above personal preferences and goals.

Independent consultants asked

But what you should pay attention to is the independence of the respective consultant. Because many financial service providers collect hefty commissions from banks and financial institutions, but this is for you customers not always apparent.

Therefore, I have made five publications of Stiftung Warentest on current investment strategies for my research, which guarantee a seriousness and independence.

Investment by the way

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The first title sounds tempting for people like me who tend to be lazy when it comes to financial matters: Investment by the way. His promise: get more out of your money easily and conveniently, without much effort. The book is divided into 7 chapters on topics such as Choice of Insurance, old-age security or capital investment.

As the title does not necessarily suggest, it is aimed more at beginners who have a basic knowledge of the subject Finance want to acquire. Author Thomas Hammer attaches great importance to comprehensibility and clarity, unfortunately the depth is a little short. Presumably the makers had a rather Boy target group in Sinn, who make the dry subject of finance possible nice wanted to convey clearly prepared.

The colored pages, which are designed with speech bubbles, Stock Photos and Headlines have a modern look, but also cost a lot of space on the 226 pages. I also see myself as a beginner, but for me personally this book is a bit superficial - certainly a matter of expectation. How good that I ordered four more publications.

Investment for Lazy

Quite similarly opened and unfortunately still a little shorter is the title investment for Lazy by Sina Groß. However, it comes a little less colorful and has a slightly different claim: The author wants to accompany their readers step by step to find the right investment for themselves.

Therefore, first comes the personal Objective in the financial planning and investment in focus: What goals do I want to achieve with my money? What forms of investment are there? how to find fast and uncomplicated the right investment? And how to protect yourself from pitfalls?

All in all, I like this book quite well, but I also wish a little more depth here to find out which investment is really suitable for me.

Manual investment

With Best of HR - Berufebilder.de® author Stefanie Kühn - and that on at least 416 pages. Now I may be a little biased because both the author and her work know and appreciate - but in fact your book “Handbuch Geldanlage” helped me the best.

Because the independent financial advisor, who wrote the book together with her husband Markus Kühn deal with much more detail, for example with the following topics:

The book is both a reference work and a guide: From stocks to crowdfunding and real estate to certificates, the authors introduce and name all the important investments clear their pros and cons, tell who they are for and which ones you better steer clear of. It's also really well written and in the end I really have an idea of ​​where I'm going.

Financial test special invest with ETF

Within the selection In order to find the right form of investment, you actually have to go into more detail and read the classic forms of publication by Stiftung Warentest – such as the Finanztest Spezial special on ETFs.

ETF are considered the ideal investment when interest rates are low. With these index funds, investors should be able to benefit easily and flexibly from the return opportunities on the stock exchanges. But which of the 1.500 ETFs are the best? How can they risks minimize? And what should be considered when buying? The financial test experts reveal how to find good ETFs, avoid investment mistakes and the Costs keeps small. And they tested at least 650 ETFs.

Financial test special pension

In contrast, the special issue Finanztest Spezial pension almost a disappointment: no forms of pension and pension insurance are tested here, but only different forms of pension are presented. The focus is also less on offers from the private sector than on the classic statutory forms of pension.

In addition to retirement pension, widow's pension, occupational pension or reduced earning capacity are also presented. After all, the book is also on pension gaps, unemployment, partial or partial retirement and similar special forms. The issue of Riester pensions, for example, is treated only in passing - but there are private publications of Stiftung Warentest for private pensions.

For other readers, this special issue certainly has its justification, but for me it does not bring much.

Fund database and more information

The Stiftung Warentest offers a large number and above all independent tests and publications on the subject of investment and finance.

Very helpful is the fund database with detailed and above all always up-to-date tests. You can find these here call for a fee. In this sense: a lot Success!


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