Investing is more than simply allocating capital – it is a strategic decision where preserving the value of your assets comes first, followed by actively growing that value. While a savings account can help protect capital from nominal losses, its ability to safeguard against inflation is limited.
Individual willingness and ability to take risks.
Long-term investments balance out market flucuations.
Diversifying capital minimizes risks and optimizes returns.
A successful investment concept requires discipline, a clear strategy, and regular adjustments to personal and economic changes.
Conservative: Focus on capital preservation with low volatility (e.g., money market products, bonds).
Balanced: Combination of security and growth (e.g., bonds, equities).
Dynamic: Growth-oriented with greater volatility (e.g., equities, alternative investments).
Bonds: Stability and fixed income, but low returns.
Equities: Greater return potential, but higher volatility.
Real estate: Real assets that often offer a certain degree of inflation protection.
Alternative investments: Commoditites, cryptocurrencies, private equity, private debt for additional diversification.
One-time investment or staggered investment (e.g., with a monthly savings plan).
Selecting appropriate financial products.
Regular review and, if needed, adjustments of the strategy.
Direct costs: Transaction costs, management fees, and issue charges.
Indirect costs: Tax impact and inflation effects.
Optimization possibilities: Use of tax-efficient investments or low-cost solutions such as ETFs.
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This depends on your risk profile, investment horizon, and personal goals. A balanced strategy, for instance, combines various asset classes to achieve an optimal return and security.
ETFs usually have lower costs and offer broad diversification. Actively managed funds may provide advantages in certain market phases, but they often carry higher fees.
By using cost-efficient ETFs, avoiding unnecessary transaction costs, and being mindful of tax aspects.
A gradual investment (e.g., via savings plans) can reduce the risk of market fluctuations, while a one-off investment may achieve a higher return if carried out in favorable market conditions.
We help you develop an individual investment strategy that is aligned with your financial goals and support you in implementation and optimization.
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