Leave money in an account or invest it all in stocks?
Hello, I've put some money aside, and now I'd like to invest it. I've already chosen two companies where I think it would make sense to buy shares in each. My question is, would it make more sense to invest all of my savings in more shares, for example, or to stay below the €1,000 mark for now, since it will be taxed after that.
The return will probably be higher after tax than if you hadn’t done it. It weighs much harder that you can also make losses. To keep the risk low You first take broadly scattered ETs, e.g. MSCI World. To learn how to choose securities, you can only simulate it for 1 to 2 years. Selection criteria are: You need to know better with the ever-industry than others and understand why it has a lucrative future, the price yield per year from the past few years should be particularly high, the price should not fluctuate too much but continuously increase, the KGV should not be sickly high (otherwise the base will burst soon), and two analyst reviews should recommend the purchase. Example of industry knowledge: dummies are falling on lithium shares because they think that is the future. Intelligent reading news and have long since noticed how desperately everywhere is trying to replace the lithium with less problematic raw materials with research and development, and once the success is the lithium boom history.
Well, first of all, you should leave necessary reserves on a daily money account. Never invest the whole money in shares or other long-term investment classes
Money which is not needed in the longer term should then be reasonably created. Shares are basically a good choice. But individual shares can always form a high risk. As a loan, it is hardly possible to estimate how the business of a company develops in the long term. It is therefore important to spread the risk. With smaller amounts, equity funds zb ETF make more sense
You’re just doing income. So interest, dividends, sales profits from the total amount will be deducted from the savings amount of €1000. And from the surplus you pay 25% plus Solz and possibly church tax
Neither. Never put everything on a card, but spreading the money is always the most sensible investment strategy.
So invest in funds; ETF ; day – and fixed money, precious metals and real estate.
So one is wide and can sleep relatively well.
You only have to tax profits… and a financial upholstery doesn’t hurt, so: emergency groschen and all about it in assets.