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For their successful, good life Information you really need: Government-funded publisher, awarded the Global Business Award as Publisher of the Year: Books, Magazine, eCourses, data-driven AI-Services. Print and online publications as well as the latest technology go hand in hand - with over 20 years of experience, partners like this Federal Ministry of Education, customers like Samsung, DELL, Telekom or universities. behind it Simone Janson, German Top 10 blogger, referenced in ARD, FAZ, ZEIT, WELT, Wikipedia.
Disclosure & Copyrights: Image material created as part of a free collaboration with Shutterstock. Text originally from: “Stock market easy to understand: From opening a depot to the optimal depot” (2016), How do I optimally invest 10000 euros? All the important building blocks for safe and easy wealth building” (2017), How do I optimally invest 5000 euros? All the important building blocks for safe and easy wealth building” (2017) & How do I optimally invest 50000 euros? “All the important building blocks for safe and easy wealth creation” (2018), published by Münchener Verlagsgruppe (MVG), reprinted with the kind permission of the publisher.
By Judith Engst (More) • Rolf Morrien (More) • Last updated on October 26.02.2024, XNUMX • First published on 14.12.2019/XNUMX/XNUMX • So far 6376 readers, 2675 social media shares Likes & Reviews (5 / 5) • Read & write comments
Interest rates are in the basement and there are no longer any investments that were once worthwhile and safe at the same time, such as federal savings bonds. So how do you put his Money worthwhile? An overview!
"What the farmer does not know, he does not eat," is an old and admittedly rather rough saying. Surprisingly enough: it obviously has universal validity. Because it does not only refer to farmers, but to the majority of the population in this country, and the Germans focus not only on what they are used to when eating, but also when investing money.
Actually, caution and a certain skepticism about new things are good qualities, even when investing: After all, they keep them People from some frivolity and even more so from bad experiences with investments. On the other hand, given the current environment of low interest rates, traditional ways of investing are above all one thing: a first-rate loss maker!
Every quarter, the Deutsche Bundesbank publishes statistics on the form in which households in Germany hold and invest their financial assets. Almost 40 percent of private financial assets in Germany, and that is a total of more than 5,5 trillion euros, are in any bank account - be it giro, savings, overnight or fixed deposit accounts or even savings letters and savings contracts; the cash portion is likely to be negligible. Germans have invested almost the same amount of money in life and pension insurance or other private pension rights. Shares and investment funds add up to just around 20 percent.
In their effort not to make any losses, the Germans are following a habit that has worked reasonably well for decades. They put their money in bank accounts, where they are currently being fobbed off with minimal interest and have to be happy if the bank doesn't charge them with penalty interest. To do this, they regularly pay equal monthly installments into endowment life and pension insurance policies, the returns of which largely depend on the high fees and the Costs for the protection of surviving dependents or for the promise of a lifelong pension payment. That's how they know, "My money doesn't depend on the weal and woe of the world's stock markets. It is not at all dependent on any economic and company news, which can cause share prices to fluctuate enormously every day and produce unspeakable losses in one fell swoop. With this Background most people can sleep soundly - and don't even notice that they are oversleeping an important development that is nevertheless taking place with their money: namely the gradual loss due to inflation.
"Better meager interest rates than none at all" is the credo of many savers in Germany. But those who think so overlook the fact that the interest they receive is only part of the whole truth. If you really want to know whether your investment is profitable or not, then you shouldn't just look at the interest on the balance that a bank account or savings contract throws off. You must also pay close attention to how the purchasing power of your assets develops. You can buy more of 100 Euro today than in a year - and certainly more than in five, ten or even 20 years. The ongoing decline in purchasing power is - unfortunately! - nothing that puts a conservative investor to sleep. But he should! Because the dream of safe, loss-free returns with interest investments has long been a dream, only that many do not realize this. In the long run, even with moderate inflation of only 2 or 3 percent, there is a development that every saver and investor actually wants to avoid: a loss of wealth. And that, even though on his bank statement or on his booth notification
Insurance a minus sign never appears, but the nominal amount even increases. The loss occurs quite simply because, with mini interest rates, assets not fast growing enough to offset ongoing inflation. Or to put it another way: The sum that is at the end of all savings efforts, including interest, is often not enough to buy even approximately the same amount as the money you invested at the time you paid it in. This situation is exacerbated by the fact that the first banks have begun charging negative interest.
It's no wonder that uncertainty is spreading everywhere, how one's own money is still doing today for sure and can be invested profitably. Bank advisors and insurance brokers are usually not of much help here: their “advice” is often driven by commission interests and is therefore anything but neutral. It is therefore worth making the issue of investing a top priority and taking care of it yourself.
We want to encourage you to dare to go public. Because the shyness of most Germans about stock market investments is not justified. If you do it right, you can Risks minimize and at the same time get an attractive return for yourself. This book gives you lots of practical and solid tips on how to do this. In addition, you will learn how you can top up your 10 euros with money from your employer and the state - without being overly bound by conditions and legal regulations. So it's time to start the return engine for your investment - tackle it boldly!
We would like to briefly present 3 typical investment scenarios. Think about which scenario best suits your situation and take our tips to heart - you can also modify or mix them if none of the scenarios are 100% suitable for you:
The longer you hold equity investments, the safer they are. Here are three possible options:
While we can recommend the first and second way without hesitation, we (still) advise you to be careful with RoboAdvisors. Computer programs are a huge help in almost all situations in life - even when investing. But the current inclination of the financial sector to attract as many private investors as possible with its RoboAdvisors customers to capture is worrying.
Our advice is: combine options 1 and 2. For example, you can split the money and invest some in individual stocks on your own and part in Funds or ETFs invest. It will be exciting to see which ones Strategy has brought the better result after ten years.
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Judith Engst (MBA), born in 1970, is a business and finance journalist. She mainly writes advice texts. For many years she was editor-in-chief of a correspondence magazine and has authored numerous books on the subjects of the stock market, financial investments, law and taxes as well as communication. She also works as a lecturer at the Alb-Schwarzwald Business School, which is part of the Steinbeis University in Berlin. She published the bestsellers "Börse Easy Understandable" and "Börse Very Practical" at FinanzBook Verlag. All texts by Judith Engst.
Rolf Morrien is an equity analyst and non-fiction author and editor of various stock exchange services. Rolf Morrien was born in Metelen and now lives with his wife in Rheinbrohl. After graduating from school, he studied history, economics and politics in Münster and Vienna. After spending a year abroad in Vienna, he completed an apprenticeship as a business journalist at what was then the Bonn Journalism Academy. In these services, he publishes recommendations for investing and his assessments of markets and companies. Together with the financial journalists Janne Jörg Kipp and Judith Engst, he wrote the books "State Bankruptcy Ahead", "The Anti-Crash Book" and "Börse Easy to Understand". In addition, Rolf Morrien often speaks at trade fairs and lectures such as the Invest investor fair in Stuttgart. In addition, he regularly writes a column in the “Diplomatiken Magazin”. All texts by Rolf Morrien.
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