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<\/div>\n<\/p>\nInvesting money in comparison – this topic was and is of particular relevance both on the Internet and in the offline world. Whereas it used to be sufficient to go to the local bank or savings bank branch to secure a decent interest rate, consumers now seem to need a real expert status.<\/p>\n
An "invest money comparison" has long since ceased to take into account only the fixed interest rates for savings accounts and overnight money or time deposits, but also includes investment products such as shares, real estate and crowdinvesting, as well as cryptocurrencies, precious metals and more.<\/p>\n
But what is worthwhile when and for whom? And how to deal with the significantly increased risks. In a good "invest money comparison" these questions are answered exhaustively and meaningfully.<\/p>\n
Why invest money?<\/h3>\n
Before even bothering to "invest money comparison", the question arises whether it is necessary to invest money at all.<\/p>\n
The sentence sounds a bit provocative, but in fact the purchase of tangible assets or the renovation of one's own four walls can be a more sensible measure than directing money into a savings account or a stock fund.<\/p>\n
The current low-interest phase virtually invites consumption and those who need a handyman or have to buy a new car or washing machine should possibly act now. The reason lies in the already not very investor-friendly situation and favorable conditions for financing. Most consumer goods can be financed at zero interest and paid off in convenient monthly installments.<\/p>\n
To find this out, all you need to do is open an advertising brochure or look at one of the relevant websites of major retailers. Mind you: consumer goods are only the right choice if there is enough flowing into private pension provision anyway. You just have to have the money to spare, but then a number of purchase incentives exist.<\/p>\n
A good way of incurring necessary expenses and avoiding a "invest money comparison" is also to modernize one's own four walls. Why not go for a new and more efficient heating system? Or put solar panels on the roof?<\/p>\n
An environmentally friendly conversion is not only the right signal in environmental terms, but also helps to save money in the future. In addition, a whole series of measures are subsidized by grants and are therefore more favorable.<\/p>\n
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<\/div>\n<\/p>\nHow to read a "invest money comparison?<\/h3>\n
If you don't have your retirement plan in "the bag" yet, you're eligible for a "money investing comparison" and should study it as thoroughly as possible or even do your own research. The first step is to determine your own investment capabilities and readiness.<\/p>\n
Salopp formulated, this can be compared with the question: "How much money do I have left at all??"formulate. It is advisable to look carefully, because incurring debt is not a good way to invest money, even in times of low interest rates. Who borrows money, in order to invest this then, takes a too high risk, why the safety device of the own existence and the expenditures for the everyday life always rank first.<\/p>\n
As soon as one knows however, how much money is available once or monthly, the "money invest comparison" can start and one arrives at the determination of the own risk readiness. Read correctly: a risk is always present in today's world, as the guaranteed interest rates of the individual financial products are simply no longer sufficient to compensate for the rate of inflation.<\/p>\n
Time deposit in the "invest money comparison<\/h3>\n
Anyone who owns a savings account can see what this means. The key interest rate of the European Central Bank (ECB) has been at 0.00 percent for several years and an increase is not in sight.<\/p>\n
We are talking about the conditions at which the commercial banks can obtain money and which are generally passed on to the end customers. Thus it comes that a savings book or also time deposit with maximally a half or a per cent are interest-bearing. In contrast to this, the inflation rate and thus the price development is usually in the range between 1.5 and two percent.<\/p>\n
If you invest for one percent and want to compensate for a two percent increase in prices, you make a loss on the bottom line.<\/p>\n
It could also be formulated in such a way that all fixed-interest investments make a loss in any case and therefore should not be chosen. This affects not only fixed-term deposits and overnight money or savings accounts, but also life insurance policies and home savings contracts.<\/p>\n
All of these financial products are relics from the past that have not yet seen a revival. A look at the assessments of financial experts and even those who earn their money with fixed deposits, namely the banks, confirms the devastating verdict.<\/p>\n
In short: guaranteed interest rates no longer exist and so you move with an investment and any "invest money comparison" inevitably in a risk class<\/p>\n
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<\/div>\n<\/p>\nShares and share funds in the "invest money comparison<\/h3>\n
Does it come or does it not come? And when will it come? The speech is in this case of the large stock exchange crash, which is expected since some years.<\/p>\n
So far, the rapid decline in share prices has failed to materialize and share prices know only one direction: upward. In the case of shares, one acquires shares in a company and participates in its success. The share price, in turn, has a lot to do with the expectations of stock market traders for the future of the company. For laymen, this results in a kind of "black box" and a system that is almost impossible to understand.<\/p>\n
For this reason one should invest only then directly into shares, if one acquired sufficient specialized knowledge. If you are not an expert in a particular sector or even a broker, you should exclude shares from the "invest money comparison" in order not to take too high a risk. A better diversification promises equity funds.<\/p>\n
In the case of equity funds, it is – to put it figuratively – a basket consisting of the shares of different companies. The compositions vary and can track a stock index such as the Dax or invest in specific regional markets or even industries.<\/p>\n
Past experience shows that equity funds have usually been a good means of investing money and have generated solid profits. Whether this will also be the case in the future seems questionable.<\/p>\n
Those who want to save on management costs in this area opt for the so-called ETFs. The acronym stands for exchange traded funds, meaning funds that are traded directly without stopping at a bank in between.<\/p>\n
With ETF can be invested in complete markets and the liquidity is maximum. They can be bought and sold at any time or held for retirement provisions.<\/p>\n
"Investing money comparison" and real estate<\/h3>\n
And real estate? One does not read everywhere from the advantages, which the concrete gold offers? In fact, real estate prices have risen enormously in recent years, especially in metropolitan areas, and there is no end in sight to the price increases.<\/p>\n
It is to be pointed out however also that meanwhile critical voices mix themselves in the concert of the real estate proponents and warn of a speculation bubble. In smaller and medium-sized cities, the potential may still be there, but especially in cities like Hamburg, Berlin or Munich, the "rally" may have come to an end for now.<\/p>\n
Real estate takes a special position in the "invest money comparison", because they are among the products that benefit from low interest rates. In most cases the financing takes place over a loan and such is offered today extremely favorably. However, one must be able to adequately manage a property and take care of it.<\/p>\n
Here comes the sentence from Art. 14 of the German Constitution, which states that "property is an obligation". Who was once on an owner meeting, will measure fast that a perception of these obligations is not always simple. There it concerns renovations, beautification measures or also the development of attics or also noisy tenants, garbage places and heating systems. Not always the individual owners agree and not everyone has enough money to buy a whole house directly.<\/p>\n
In addition, there are the tenants, with whom a good relationship must also be found and who, of course, have to pay their rent regularly. Who sets on real estates, can if necessary. look forward to solid returns, but also has his hands full. They are not investments or retirement plans that you can just leave lying around and that work by themselves.<\/p>\n
Risks are naturally also present with real estate. On the one hand, there is a possible deterioration of the location due to construction measures in the surrounding area or the departure of companies, the planning of flight routes, etc., on the other. But there is also the constant risk of major repairs to the house or problems with tenants.<\/p>\n
Certainly, solutions can be found here as well, but the challenges must first be accepted and mastered.<\/p>\n
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<\/div>\n<\/p>\nDigital investments and crowdinvesting<\/h3>\n
A very contemporary form of investment offer digital investments or crowdfunding and crowdinvesting. In a "money invest comparison" these forms of the investment land on one of the front places, because here a simple and transparent handling meets solid net yields. Furthermore, there is the possibility of a perfect risk diversification, since it is possible to work with smaller amounts.<\/p>\n
Crowdfunding or Crowdfinanzierungen carry their function mode already in the name. The "crowd" is the English word for the crowd and so it happens that numerous people finance a larger project with partial contributions. These projects are presented over digital platforms conceived particularly for this purpose and there is almost always the possibility of asking questions or of bringing closer details into experience.<\/p>\n
Transparency is therefore at a maximum and no questions remain unanswered at the end of the day and before investing. The great thing is that it can be a real dialogue between the investors and the entrepreneurs, most of whom are not from the financial sector, but "just" have a good idea.<\/p>\n
Critical inquiries provide for an improvement of the business model and have already supplied so some food for thought. This means that as an investor, you are extremely "close to the action", which is usually reflected in the fact that you select projects that suit you and that you perceive as promising or serving the general public.<\/p>\n
Digital Maritime Investments<\/h3>\n
Digital maritime investments also play a good role in an "invest money comparison". Crowdfunding is also mentioned here, which in this specific case flows into ships. Experience has taught that investments in shipping have been promising for centuries.<\/p>\n
Statistics show that around 90 percent of global trade is conducted via the seas. Trade volumes are continuously increasing and with global trade flourishing, new ships are always needed. However, much more decisive for a maritime investment is the enormous need for modernization.<\/p>\n
To understand this, it is worth taking a brief look at the legislation in the maritime sector. Shipping companies are increasingly faced with regulations regarding the environmental friendliness of their ships and for this reason have to launch new ships or refurbish the old ones.<\/p>\n
To accomplish this, crowdinvesting projects are placed and allow fixed returns of six to seven percent annually. Since it is an entrepreneurial investment in the form of a loan, losses are also possible, but there always exists a high level of equity in the shipping company and the value of the ship is also not negligible.<\/p>\n
Gold and cryptocurrencies in the "invest money comparison"<\/h3>\n
At first glance, it may seem somewhat unusual that gold and the so-called cryptocurrencies are dealt with in one chapter. In a "invest money comparison" both forms may not be missing also because they are mentioned everywhere.<\/p>\n
Gold has existed since the dawn of mankind as a means of payment and an object of value, but it has the enormous disadvantage that it does not yield any return whatsoever. One buys gold and can sell it again, as long as the price promises corresponding profits. More is not possible, because it is "dead capital".<\/p>\n
Moreover, gold is assigned value only by society and past history. The actual technical demand for the precious metal is much lower than the circulating amount of gold, so that a price drop is also possible.<\/p>\n
In the last few years, cryptocurrencies have enabled almost fantastic profits, but at the same time they have also experienced downturns of unimaginable proportions. Inevitably one feels reminded here of roulette, because the risks in addition, profit possibilities are enormous in each case.<\/p>\n
A major disadvantage is that the mechanisms behind a cryptocurrency are difficult to understand and hacking attacks happen again and again. Furthermore, there is no superior authority to turn to in case of a possible fraud. Thus, one can be lucky or not.<\/p>\n
So what to do?<\/h3>\n
An "invest money comparison" usually raises more questions than it provides answers.<\/p>\n
Basically, higher risks are associated with higher prospects of profit. Those who are willing to do this or have enough money to spare can take the plunge. However, it is always necessary to consider a spread of the invested capital.<\/p>\n","protected":false},"excerpt":{"rendered":"
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