Those who save often lose money these days. It doesn’t even need the dreaded negative interest rates. Even a zero interest account leads to a loss of value due to inflation. The Germans are not exactly known as risk-taking investors. The warning call of the T-Share reverberates with some potential small investors to this day.
How to invest 100,000 euros?
But what if you suddenly had 100,000 euros available? The data portal Statista asked the Germans that. According to the information, 1,036 people aged 18 and over took part in the online survey from the end of July to the beginning of August 2020.
The results partially confirmed the need for security of German citizens. This may also have something to do with a lack of knowledge about various types of investment. In the survey, women in particular used traditional ways of storing money.
This is how most Germans would invest 100,000 euros:
@imago images / Panthermedia
# 8 cryptocurrency
After all, every sixth respondent (16 percent) would use 100,000 euros to invest in crypto currencies. Here the gap between the sexes was particularly great. 21 percent of men, but only eleven percent of women, chose this form of investment in the survey (multiple answers were possible).
@imago images / Frank Sorge
# 7 Wouldn’t invest or invest anything
Not every German can simply put a sudden windfall on the high edge. 28 percent of those surveyed stated that they did not want to invest or invest the entire 100,000 euros. Here women and men were pretty much in agreement.
@imago images / Future Image
# 6 Private old-age or life insurance
27 percent of those surveyed would put 100,000 euros in private old-age or life insurance, as Statista announced. This was the view of 27 percent of men. This type of provision was more popular among women. Every third person voted for this type of investment.
@imago images / photothek
# 5 raw materials
Trading commodities can be a lucrative form of investment. It came in fifth with 30 percent. Unfortunately, there was no breakdown by gender in the Statista report.
# 4 Bonds & Fixed Income Securities
Almost every third respondent (32 percent) would invest 100,000 euros in bonds and fixed-income securities. With 39 percent, men were again much more willing to take a risk than women (25 percent).
@imago images / Friedrich Stark
# 3 real estate
Real estate is a safe investment alongside gold, especially in times of crisis. They landed third among the most popular forms of investment among Germans with 45 percent. Women and men agreed on this.
@imago images / Future Image
# 1 save
Despite minimal income – if at all – savings accounts, savings deposits and savings contracts are still among the most popular forms of investment among Germans, according to Statista. 50 percent of those surveyed voted for them, 51 percent of women and 49 percent of men. The verdict on the other first place finishers in the ranking was completely different.
@imago images / sepp spiegl
# 1 stocks and funds
Stocks and funds also came in at 50 percent and shared first place with saving. The male participants in the survey were primarily responsible for this. 60 percent of them voted for securities. Only 40 percent of women did that. This means that the difference between the sexes was greatest for one of the top performers in the ranking.