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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 29.10.2022, XNUMX • First published on 18.12.2019/XNUMX/XNUMX • So far 4348 readers, 1822 social media shares Likes & Reviews (5 / 5) • Read & write comments
There are many scandals when it comes to investments. Therefore: Say decisively “No” for transactions that are too risky. An overview.
With your Money you are a welcome victim for all sorts of questionable ones Adviser and intermediaries who want to persuade you to make an allegedly lucrative investment and earn a lot of money from commissions and fees. Since financial investment scandals have been anything but rare in the past, you should definitely first get an overview of those investments that are out of the question.
Because a decided “No!” In the right place sometimes saves you from high losses. Stock exchange legend Warren Buffett got to the point when asked what the most important investment rules are: »Rule No. 1: Don't lose money! Rule No. 2: Never forget rule 1! «
"Money to earn with a clear conscience« with it apply many providers of their investments. In other words: You want to invest your money in wind power or solar parks - or alternatively in geothermal projects and combined heat and power plants. Why did so many projects in the past, especially in the field of “eco-investments”, fail and have billions of dollars wiped out in Germany alone?
On the one hand, some makers were specialists in the area of ecology, but failed in the area of economy. Not every good one Idea also yields good returns. Second, some scammers (unfortunately successfully) relies on investors and savers not doing the math quite as precisely when the motto is »eco investments – earn money with a clear conscience«. Who wants to be seen as a bean counter when it's about a good cause? With this trick, common sense was eliminated when investing.
The Problem with such offers: you cannot check anything that the providers tell you: you do not know how profitable an advertised business model really is. You know them risks not - the indication that total losses are possible must be given with practically every investment offer and is therefore meaningless. You don't even know the scenarios that the provider used in its forecast calculations - for example, the feed-in tariff for green electricity, which, by the way, has fallen rapidly in recent years. And with "real" material goods, you don't know how many of them actually exist and which ones are assigned to you. Therefore, you should avoid such investments!
Mind you, this is not about a piece of forest inherited from grandfather. Keep it calm if you enjoy it. Because it can (at least) cover your winter firewood needs, and you may like to work outside from time to time in the great outdoors with a chainsaw and ax or wood splitter.
However, the situation is different with financial investment offers from the forestry and agricultural sectors. It doesn't matter whether it's teak investments in Brazil, tea tree plantations in Australia, sandalwood plantations in India or maple, cherry or robinia forests in Switzerland: OTC bonds, silent participations or participation certificates are (once again) sold. Some providers merchandise The individual trunks or certain areas can also be sent directly to you.
The same concerns apply here as with the eco-investments mentioned above: the whole thing is extremely opaque. You neither know how profitable the business model is nor do you know the risks. In forestry and agriculture, prices fluctuate extremely, and that is just one risk among many. Because pest infestation, drought, storms or floods can damage a planting fast completely nullify. Then the money invested is gone. In addition, there are a particularly large number of black sheep in this area of investments, who first collect the money from investors, approve generous commissions from it and later go into hiding if that turns out to be the case Projects unprofitable at best and fraudulent at worst. And times Honestly: How do you want to prove in front of the Brazilian courts without the help of the seller that the teak plantation you bought for a lot of money really partly belongs to you? Just don't get caught up in it!
It sounds plausible at first: If you can't buy an entire property right away, you buy a property investment. This is made possible by the so-called closed real estate funds, open real estate funds and housing associations.
Let us first come to the closed real estate funds. They each finance a single real estate project, for example a high-rise building with umpteen residential units or a business park. There is a good reason why these funds are described as "closed": investors can only purchase shares during the so-called subscription phase. When the money necessary for the realization has been collected, the fund is closed and no further shares are sold. However, the money is then tied up for the entire term, which is often ten or even 20 years.
Apart from that, the lavishly designed posters and documents at various investor fairs reveal that the provider is probably cutting off a large piece of the pie from investor money himself. Why else would he go offensive for customers? Every euro that is invested in colorful advertising, exhibition stands or sales staff is deducted from the investor money.
In contrast to closed funds, open-ended real estate funds are traded on the stock exchange and are not limited to individual real estate projects. The providers are often well-known fund companies such as Union Investment (UniImmo), Deka (Deka Immobilien) or an investment subsidiary of Commerzbank (hausInvest). As an investor, you can buy shares in these funds on the stock exchange at any time. The fund management invests the investor's money in a wide variety of real estate, depending on the fund statute, for example in residential complexes, office complexes or commercial real estate in various metropolises in Europe or throughout Welt.
Finally, the question remains whether shares in a housing cooperative are a sensible Alternatives could be. You can or must certainly think about this if you are looking for an apartment in a big city and want to move into a cooperative apartment. The acquisition of such shares is often required as a condition for moving in as a tenant. But there are also some cooperatives that look for private investors at investor fairs. But you prefer not to buy such cooperative shares.
Because the business model is often hardly more serious than with closed real estate funds, and the commissions for the providers are high. In addition, there is another danger with such cooperatives: the so-called obligation to make additional payments. If the real estate project realized via the cooperative goes into negative territory and the money gap cannot be filled with bank loans, then you as a cooperative member have to inject new money, if the articles of association of the cooperative provide for this. That usually happens when, of all things, it already happens clear is that this investment will never pay off. The bottom line is that membership in a housing cooperative is not a recommendable investment either.
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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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