Finance

It works with these five strategies

Regardless of whether it’s for old age, your own home or your children’s education: A financial cushion is important – and easier to achieve than you thought. t-online shows five ways in which you too can achieve 100,000 euros in assets.

100,000 euros as your own fortune: For the average German, it seems unattainable.

But appearances are deceptive: In fact, it is already possible to accumulate such capital over the long term with 150 euros a month. Whether for turbo starters or marathon investors – the Stiftung Warentest has in its latest edition five strategies shown, with which almost everyone can achieve a nice financial cushion for their children, building a house or retirement.

In any case, you will need three ingredients:

  • the courage to share
  • Interest investments
  • and often a lot of patience

The strategies are based on the long term ten, twenty and thirty years of investment designed. The experts have already factored in running costs – for the ETF, the savings plan and average purchase costs for one-off investments.

The experts recommend the system as part of the strategies ETFs: These are the most cost-effective and spread the risk across many company stocks. With indices such as the MSCI World, the S&P 500 or the Dax, you also invest in successful companies and can count on a solid return (more here). The MSCI World has achieved an average annual return of 7.1 percent since 1970. This is important if you want to calculate how much money your system will make later.

In their analyzes, the experts at Stiftung Warentest also have one in addition to the costs inflation of one percent and one constant tax rate considered. So you can start saving right away – depending on which of the following strategy types you are:

The cautious: monthly savings plan

The cautious type of investor is young Career starters and would like to be with one monthly savings plan early for be Age take precautions. He has little knowledge of the stock market and instead relies on a portfolio with few stocks. He puts 75 percent of his savings rate in Daily and fixed deposit at, 25 percent in a stock ETF.

To do this, he takes a long time to buy. 30 years the cautious investor needs, with a savings rate of 230 euros per month, an average fortune of 100,000 euros to reach. Why average? Since the market cannot be foreseen, Stiftung Warentest has calculated various scenarios. In the average scenario, half of the investors have reached 100,000 euros after 30 years, the other half not.

If the cautious investor does not want to take this risk, he must invest more money in order to hedge against any crisis in the market. In this case, he has to set aside 240 euros for 30 years – a lot of money for a young professional. But there are alternatives.

And with a little more risk. If the cautious investor does Half of its portfolio in an ETF – for example the MSCI World – invested, he has to spend significantly less money. With 150 euros monthly savings rate, the young professional comes to an average of 100,000 euros after 30 years. If he wants to completely hedge against market fluctuations, that’s it 190 euros – So 50 euros less than with the portfolio with fewer shares.

Especially in times of Low interest rate it is therefore advisable to have a higher equity quota in the portfolio. Because overnight and fixed-term deposits hardly generate any interest as a form of investment. Often these do not even compensate for inflation – so your money shrinks during the investment period.

The quick saver: investing for your own home

The quick saver lives with hers Family for rent. The small children still share a room, but in the long run this is not a solution. The quick saver therefore wants one Buy property and as soon as possible. That is why she completely relies on stocks and completely avoids low-interest forms of investment such as overnight deposits or fixed-term deposits. 100 percent of the savings rate goes into stocks-ETFs – that is the strategy of the fast saver.

According to Stiftung Warentest, she needs one Savings rate of 530 eurosto move within ten years to reach the average 100,000 euros. If she had a little more time and would only want to move into her own home in 20 years, she would only have to set aside 190 euros a month. Would like them against everyone Securing market conditions, on the other hand, she would need a monthly savings rate of 1310 euros over ten years or 400 euros a month over 20 years.

The heir: the large one-time system

The heir is in his mid-40s and so far has no significant savings. The heir’s knowledge of the stock market is also limited – the new investor would now like to invest his legacy of 80,000 euros on the stock exchange as a balanced one-off investment. His goal: 100,000 euros in around ten years for old-age provision – and in the best case scenario, allow yourself a year off with the rest of your money.

In order to achieve an average of 100,000 euros in ten years with a 50/50 portfolio, the heir would have to 65,100 euros invest his new assets and would have 14,900 euros left for a sabbatical. However, the heir cannot be on the safe side. If he wants to be protected against difficult market situations, he would have to invest 155,000 euros in order to have 100,000 euros in his depot even in the worst scenario after ten years – but the heir does not have that much money at his disposal.

It can also be seen here: It pays to have the courage to share. If the heir is willing to invest 75 percent of his portfolio in ETFs, he even only has to invest 53,700 euros of his inheritance to generate an average of 100,000 euros after ten years. The example of the heir makes it clear: who is already with a higher sum starts, comes through the Compound interest effect faster to the goal (more here).

The young family: funds for training

The young family has just had children and wants to go with one monthly savings plan build wealth for the child. To twenty years they should get the money as a start-up aid for their job or studies. To give the depot a boost, they pay Grandparents one-time € 5,000 to.

When investing, the young parents are open to shares and invest 75 percent in ETFs and 25 percent in low-risk strategies such as fixed-term and overnight deposits. Parents have to invest 201 euros per month in order to give the child an average of 100,000 euros in twenty years to start their adult life. So here it would even be enough for the parents to have one Most of the child benefit put aside monthly for the savings plan.

If the parents want to protect themselves against crises and bad market conditions, they should against it 368 euros put aside a month – an amount that cuts young families deeper.

The expert: This is how the supplementary pension works

The expert wants to use a combination of One-time investment and monthly savings plan for old age take precautions. In her mid-50s, she still has ten years to secure a good supplementary pension with her private pension. To do this, she invests part of her assets as One-time payment in their custody account and relies equally on shares and lower-risk forms of investment. She decides Invest 20,000 euros at the beginning and then save monthly.

If she wants to have an average of 100,000 euros after ten years, she has to invest 296 euros in your portfolio every month. If she wants to insure herself against all eventualities, however, it is 1,132 euros per month. If you had not started in your mid-50s, but in your mid-40s, you would only have had to invest 264 euros to protect yourself against crises. If she were satisfied with the average value – here 50 percent of investors achieve the investment goal after 20 years, while 50 percent do not – they would have only had to save 30 euros a month.

Conclusion

So it turns out: The courage to buy stocks saves time and enables lower savings rates per month. But even if you rely on overnight and fixed-term deposits, you will achieve your goal – but you need more patience and more financial leeway each month. If possible, it’s worth one too higher one-time payment: Because if you invest part of the assets in the portfolio at the beginning, you will push your portfolio up massively and can lower the monthly savings rate.

If you need the money on time after the chosen investment period – ten, twenty or thirty years – you should choose the more cautious option and deposit more. If, on the other hand, you can invest five years longer, you can confidently use the average price as a guide.

You can also find all tables under test.de.

About the method: For its strategies, Stiftung Warentest looked at past depot history. It evaluated how the various portfolios fared in the specified 10, 20 and 30-year periods between 1969 and 2020. In their calculations for equity investments, they used the MSCI World as an analysis example. According to its own information, Stiftung Warentest has analyzed more than five million depot history.

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