Securing and Investing: The most important rules for investments


Berlin – With daily and fixed-term funds as well as index funds, investors can make profits without being market experts. But the most important rule for investing money is: Protect your everyday life, then invest.

Securing goes before investing

The most important rule: “Securing goes before investing”, explains Hermann-Josef Tenhagen, editor-in-chief of the magazine “Finanztest”. Before a customer decides to invest money, he must first ensure that he has enough funds to be able to finance repairs to the car or a new washing machine. At least two net monthly salaries should be paid by investors on a call money account in order to cover themselves for emergencies. “At a good provider, they currently receive two to three percent interest.” Second, a consumer must make sure that he can pay for his insurance. If this question is also settled, “they can think about putting it on.”

Split money into multiple offers

If a sum is available for a fairly short period of time, say five years, a fixed-term deposit is the simplest option, says Tenhagen. Up to four percent interest can be achieved here if you invest your money for up to four years, he estimates. Can investors take more time, about ten to fifteen years, is more possible. “This raises the question, how much risk do you want to accept?” explains Tenhagen. For example, if an interested party has 10,000 euros at his disposal and at the end wants to get at least the money he has invested, it is advisable to split it up into several offers.


For example: He puts 2000 euros on a savings account, which he can access at any time and creates 5000 as a time deposit. He could invest the remaining 3,000 euros in so-called index funds, also called exchange-traded funds. Index funds replicate an index such as the German stock index as closely as possible. Even if an investor incurs losses on the equity funds, he can compensate them by the guaranteed interest on the time deposit and the savings account, Tenhagen says.

Keep an eye on costs

With such a business, however, the effort increases. It is important, for example, to ask about the costs. Administrative costs, transaction costs, acquisition costs – all this can be considered. Not always an expensive offer is however bad, a consultation – and thus an increasing expenditure – necessarily to be recommended.

Annabel Oelmann from the consumer center North Rhine-Westphalia in Dusseldorf recommends a similar approach. At certain points in his life, it makes sense to think about his finances, such as when he starts his first job, before a wedding or when children are planned. “It is important to seek independent advice,” emphasizes Oelmann. “With every cell phone contract, the German takes a lot of time, which should also apply to facilities.”

“Stay away from stocks, if you have little idea”

Like Tenhagen, Oelmann sees opportunities in investments of up to five years, especially in overnight money or short-term time deposits. “However, interest rates are currently low, so the consumer should not commit for more than one to three years – anything else is currently not worth it,” says Oelmann. For investments of more than ten years duration, she also sees the opportunity in a diversification on different options. But you have to be honest with yourself: “Even an index fund can mean too much stress for a person with a low risk appetite.”

“Stay away from stocks, if you have little idea,” advises Silke Wolf, Managing Director of the Bavarian Banks Association in Munich. Any form of stock was only for people who could bear losses on the one hand, on the other hand, wanted to deal more intensively with the matter. “If you have little time and little idea, you should focus on a fixed rate product,” says Wolf. The contracts can be concluded by the customer over the Internet or the telephone and thus have little effort.

The “good old German savings account” is better for doubt-conscious customers than securities, if only because here the deposit insurance. Shares are not protected by the deposit insurance. Of course, deposits, savings accounts and savings accounts would have a disadvantage: the return is low.



Baukindergeld, Mietpreisbremse and Co .: That changes when living

Baukindergeld, Mietpreisbremse and Co .: That changes when living News always well informed


Tuesday, 06.02.18, written by Annabell Meyer

The coalition talks between the SPD and the Union continue. After all, the parties are now agreed on a common course for housing policy. This includes some improvements with the construction cost of children and over-spending for social housing. But there is already criticism.


Die GroKo will die Wohnungspolitik durch Mehrausgaben verbessern
SPD and Union plan some improvements in housing

  • The negotiating partners of the possible Grand Coalition have decided on a new course for housing policy.
  • Measures such as building costs, more money for social housing and a reform of property tax should improve the housing situation.
  • However, especially with representatives of the opposition, the agreement already meets with criticism, since it does not solve any problems.

In their negotiations for the Grand Coalition (GroKo), the SPD and CDU / CSU have agreed on a common concept with which they want to improve the housing situation in Germany. One of the key issues is combating the existing housing shortage and creating more affordable housing.

Therefore, the plan of possible coalition partners that the federal government spends about two billion euros annually for social housing. With the help of the so-called Baukindergeldes more families are to be motivated to the Eigenheimerwerb. Improvements for tenants are also provided with a tightening of the rental price brake.

Issue of social housing: From 2019 more money for the municipalities

In recent years, social housing has repeatedly caused strife between the parties. While the opposition of the last federal government from the SPD and the Union accused it of not doing enough for housing construction, government representatives took the states more seriously into account. These would have to use public funds more purposefully.

Originally, it was planned in the past legislative period to support the federal states by 2019 with around 518 million euros per year. As early as 2015, however, the government decided to double spending to one billion euros a year. The reason was that the stock of social housing decreased, but the need for affordable housing has increased dramatically . For 2017 and 2018, a further increase to 1.5 billion euros was decided.

According to the plans of the SPD and the Union, the annual payment from 2019 should be increased by another 500 million euros. Without this agreement, the promotion of the federal government would be over in the coming year.

  • Our service for you


  • Secure now favorable conditions for your real estate plans.
  • Request a quote

For more building land: GroKo plans to reform the property tax

In order to push ahead with housing construction, the GroKo representatives are also planning a property tax reform. This means that municipalities may demand more taxes for unstructured land in the future . This would not only flush more money into the coffers of cities and municipalities, which could be invested in housing, explains Michael Groschek, head of the SPD in North Rhine-Westphalia. Due to the higher taxes, the owners are also required to use their land as building land instead of for land speculation.

Baukindergeld is intended to financially support young families in building houses

As a further measure, the housing policy of GroKo plans to reintroduce the so-called Baukindergeld. This gives parents who decide to build or buy a home, for each child per year 1,200 euros as a government subsidy. This is paid for a maximum of ten years and is valid for families with a taxable annual income up to 75,000 euros plus 15,000 euros free allowance.

The Baukindergeld existed in Germany already to 2006, whereby the subsidy turned out with approximately 800 euro lower. The Union has been planning a reintroduction since the 2009 general election, whereas the SPD last brought a home equity subsidy of up to 20,000 euros into the game. Now the proposal of the CDU / CSU parliamentary group has prevailed in the coalition talks. According to the negotiating partners, the costs amount to around 440 million euros per year.

Service: Not only the planned construction child money makes families dream of a home. Due to the currently very good conditions for mortgage lending, families can secure their own four walls cheap. Interested people can find out which financing is best for them with an individual offer for mortgage lending.

Tougher rental price brake is to relieve tenants

In addition to support in the home acquisition, the future government partners have agreed to tighten the rent brake. This was recently in the criticism, as it shows little effect. So far, the rent brake only provides that the rent may be raised on re-letting at the most on the level of the local comparative rent plus ten percent. In addition, landlords in the future to disclose the previous rent . In addition, it is planned to reduce the surcharge for modernization costs from eleven to eight percent in order to relieve tenants.

Housing policy GroKo provides enthusiasm and sharp criticism

The FDP already criticized the plans, as they would have no effect on housing construction. ” In housing, Union and SPD act as a coalition of the great brakeman : Instead of investment brakes for new buildings to solve the ineffective Mietpreisbremse be tightened, creating not a single new apartment,” said Parliamentary Director of the FDP Group, Marco Buschmann, to the Germans Press Agency. He describes the reintroduction of the Baukindergeldes as a “new bureaucratic transfer”, which would only serve to “finance a massive redistribution policy.”