Finances
Expert tips: How to invest 50,000 euros correctly
–
Fixed-term deposits, funds, real estate and stocks with high dividends. Four tips on how your own money brings more returns than on the checking account.
–
Investing money well: this is how ETFs work
– Many savers talk about ETFs. But what makes trading them different from ordinary stocks? The video tries to explain.
–
show description
–
Hamburg. Currently laying 83 percent Citizen money back. Around every third person wants to work for another Lockdown equip, as shown in a survey by Postbank. “The corona pandemic has the Willingness to save of Germans not broken. Those who can afford it upholster their own financial reserves up, ”says Karsten Rusch from Postbank.
articlebody:textmodule) –>
Alone in the form of Cash and Bank deposits Germans hoard 2.6 trillion euros. But conventional investments hardly bring any interest. So what do you do with 50,000 euros to be invested in the new year? Our editorial team shows the opportunities of four investment options.
Fixed deposit
If you want to invest your money safely, you will have to put up with low interest rates in 2021 as well. “With the conventional one Investment we will continue to see a downward trend in interest rates, ”says Ania Scholz-Orfanidis from FMH-Finanzberatung. Because the European Central Bank provides the commercial banks with ample liquidity. Many institutions also have more savings than they can give out as loans. Fixed deposit but it is still better than overnight money because you can secure an interest rate that has been agreed for a certain period of time.
With different investment periods you can still get a certain flexibility to reach. Fixed deposit is only then that Overnight money consider, if you can estimate the times when you need the money again. If you need all the money again in two or four years, a riskier investment in the stock market is out of the question.
The highest interest for a three-year fixed-term deposit there is at the French Renault Bank and Kommunalkredit Invest from Austria. If the European deposit protection of 100,000 euros per investor is not enough, you can switch to the Grenke Bank, whose deposits are a member of the deposit protection fund of the Federal Association of German Banks is secured in the millions.
If you distribute your money evenly over the three terms and invest it with Renault Bank, you have interest income of 342 euros per year, which corresponds to a return of around 0.70 percent. The investment is very safe, but that inflation rate Haspa estimates that it will be one percent in 2021. So the bottom line is that investors lose money with a fixed income investment. Still, it’s better than a zero-interest one checking account.
Mixed investment with stocks
“The question is whether you really only have to invest 50,000 euros in interest investments,” says Kerstin Becker-Eiselen from the Consumer advice center Hamburg. For a longer investment period, “a combination of safe interest-rate investments and higher-risk equity investments is recommended”. After all, 28 percent of German citizens have had the outbreak Corona-Pandemie in shares or funds, according to a survey by Postbank. The consumer advocate advises investing part of the money in broadly diversified, so-called Exchange Traded Funds (ETF).
A ETF, which tracks the MSCI World stock market index, contains the 1,600 most important stocks in the industrialized world. Those who want to invest even more comprehensively can purchase emerging markets such as China, Brazil or India and relies on the MSCI All Countries World index, which contains around 2500 stocks.
Those who are not prepared to take risks mix in the defensive Depot only 25 percent share ETFs, the rest are safe government bonds from the euro zone. Those who are willing to take risks, on the other hand, can choose the opposite variant with an equity component of 75 percent. Those who persevere in the long term can use the offensive and balanced (50 percent share) portfolio with a Return of around five percent.
Invest in an apartment
With 50,000 euros as Equity can also be in a flat which is then rented out. The local multiplier is an important factor for future landlords because this number reveals how many are on average Annual cold rents a condominium costs. The lower the duplicator is, the higher the return opportunities for the buyer.
With a multiplier of 22.5, the experts speak of a moderate purchase price level. “If the purchase price is in this range, buyers often drive cheaper than tenants,” says Eva Grunwald, Head of Postbank’s real estate business. “The low interest rates then allow monthly installments that do not exceed the local rent. At the same time, buyers build wealth. Your own four walls are also a good one retirement provision.“
Depot with high dividend stocks
50,000 euros are enough to build up a high-dividend portfolio with individual shares. Equity expert Christian W. Röhl has selected eight titles for this editorial team. “Almost all stocks have proven to be solid dividend payers for more than two decades,” says Röhl, who added a broad value when putting together the portfolio Industry diversification and internationality has laid.
Röhl advises to distribute the money evenly across all values. “But of course it can’t be the only money you have at your disposal.” The absolute level of the dividend yield is not decisive for the selection of the stocks. “It is important to keep increasing it, that pays off over time,” says Röhl.
50,000 euros are enough to build up a high-dividend portfolio with individual shares. The Stock Expert Christian W. Röhl has selected eight titles for our editorial team: 3M, Encavis, Johnson & Johnson, Munich Re, Rio Tinto, SAP, Siemens and Unilever. “Almost all of the stocks have proven to be solid dividend payers for more than two decades,” says Röhl, who, when putting together the portfolio, attached great importance to broad branch coverage and internationality.
Röhl advises to distribute the money evenly across all values. “But of course it can’t be the only money you have at your disposal.” The absolute amount of the dividend yield is not decisive for the selection of stocks. “The important thing is constant increase, it pays off over time, ”says Röhl.
So did the software company SAP The distribution has been increased for seven years in a row, and at Unilever it is even 25 years. The Encavis company invests in European solar and wind parks. With an average dividend yield of three percent, the share portfolio is expected to generate dividend income of 1500 euros (before taxes) per year.
– .
