ByAzoog76
First of all, hello to the readers.
I'm currently managing to put aside €1,000 a month and wanted to know how I could best invest it safely. It just sits in the bank, and money loses its value. What would be the best way to invest the money safely? I had planned to invest the money in real estate at some point, but it's still too early for that.
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Why, why, why do these bastards have the right to take my money? Every month… last €10 and now €16. I've had enough, and I'm about to switch. These hypocrites…
HeyHo, I’m not a consultant, and I don’t know.
I put the money currently monthly in ETF’s and with me it works super… in some I have always made +4% in the 2 years. That’s better than any bank savings plan.
And could possibly be an option. But I’m just doing this because I’m too lazy to read me right and no bock really has to lose money. So what with minimal risk.
But maybe you have other options. I wouldn’t accept a loan for a house at the moment, here the rates have risen at least with us in the Allgäu area. I asked about it last time. I had a house
In which ETF did you invest that you have come to only 4% in the last two years? In recent years everything went up only steeply, apart from Chinese shares, with these also attracted well in recent months🤔
At least… One has done -5%, the other +17%… I have taken a low number, which I will not get stuck on it:) had to say at least. Sry.
Yes, especially in the long term, ETFs are really a super thing👍
Make this up to 10, 20 or 30 years with your savings rate:
https://www.finanzflu.de/computer/zinseszinsrechner/
But in general, when I say this, I am at more than €1,000 over the last 2 years at approximately €300 (more times less). And without really having a plan of it. That’s why ETF
Yeah, okay, that makes sense. In the MSCI EM, China is very strongly represented and Chinese shares have not been as good as they were for the last few months.
I had less luck with Amundi MSCI EM Asia. And iShares MSCI india…
On the other hand, it was very good at MSCI World 1C (DWS) and BNPPE-M UECEO… here up to 18% in total at 150€ per month…
Oh, okay. You know what they mean?
I’ve been saving over 1,000€ / month for many years
Lyxor Core MSCI World (DR) UCITS ETF Acc, LU1781541179
and I’m over 20% in plus.
The ETF has little cost and I buy it without a hit.
You can use various funds http://www.fondsweb.de compare.
In my opinion, the best investment would be less to earn, for example, parttime work.
Have you already made a medium-term and long-term financial plan? How much money do you need? And only once you know, you can make a plan as you want to achieve the goal. With either more or less risk.
Maybe work for you, unfortunately not for me. I have to pay off a lot of debts that I used to borrow as a stupid boy. The rest goes for food/apartment and save for it. I’d like to go through that for the first time, three, until then I’m out of debt, so I planned it. That’s why I need a good opportunity to make this 1000€ monthly reasonable.
If you have the possibility to deposit debt even faster, I would put the 1000 € in there.
*3years
If there was the possibility, it would be the first thing I would do. Unfortunately not.
It’s best to go to an asset manager. They work on a fee basis and can invest in more products compared to financial advisors.
You should make a plan when you want to buy the property and how expensive it should be. My asset manager also offers advice on real estate loans. But not everyone.
A pure investment in a share ETF is probably not the best solution if you want to have the money liquid.