Experts advise: If you want to invest your money, you should orient yourself towards the magic triangle.
Read here the tips on how it works in practice.
Ever
heard of
the
magic triangle
?
In theory, it covers three areas: security, returns, and liquidity.
In practice, of course, a compromise is usually required.
Because: There is no investment that serves all three corners equally, quotes the German Press Agency, the expert Kerstin Hussmann-Funk from the Hamburg consumer center.
Nevertheless, the
investment triangle offers
a good orientation to
invest your
money successfully.
The dpa report names the
three relevant points
:
Liquidity
: A
financial cushion is
particularly important
for young investors
.
According to the report, Michael Beumer from Stiftung Warentest recommends that investors
save
a financial
reserve of two to three
monthly salaries *
for short-term purchases
.
In addition, everyday spending should be checked for savings, according to the advice of Andrea Heyer from the Saxony consumer center, according to dpa.
The classic way is often a call money account.
Then the return will certainly be lower because it yields little interest.
The money is safely invested for this.
Security
: If the subject of security is more important,
fixed-interest forms of savings
are also available,
says
the expert Kerstin Hußmann-Funk in the dpa report.
For example, bank savings plans or fixed-term deposits.
Savers then pay in a certain amount over a certain period of time - at a predetermined interest rate.
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What perhaps not everyone knows: In addition to the
deposit business,
there is also a
voluntary deposit insurance
in Germany
that goes beyond what is required by law, as the report goes on to say.
However, security also means that you have to cut back on the return, quotes dpa consumer expert Andrea Heyer, who also advises
examining
possible
government subsidies
.
For example, employee savings allowances, housing subsidies or Riester allowances.
Return:
Those who
start
saving
early enough
have a correspondingly longer investment horizon and can take a little more risk.
Example ETF fund savings plans.
For this one should plan an investment horizon of 10 to 15 years, advises the expert Kerstin Hußmann-Funk according to dpa.
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In order to minimize the risk of loss, according to the report, Andrea Heyer recommends broadly based funds that do not only focus on one industry or one country.
In addition, it is essential to pay attention to the costs of funds, according to the council.
In the case of equity investments, Michael Beumer from Stiftung Warentest advises, according to the report, to consider a time horizon of five years, during which you can reduce your investments depending on price levels and risk appetite.
Independent advice is fundamentally important.
(
ahu) * Merkur.de is part of the Germany-wide Ippen digital editorial network
.
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