The situation for private investors could hardly be more difficult. After all, interest rate markets have not improved at all, and the European interest rate is still at the lowest level ever. It also does not look much better on the stock and bond markets; prices have recently risen significantly, and entry has comparatively high risks of loss. Many private investors are therefore looking for ways to invest safely and still achieve the best possible returns. Here are our thoughts on the topic:
Daily allowance: protection of cash assets
Money market accounts have recently become much less attractive and have fallen victim to key interest rate policy. There are more and more private investors who are no longer using their accounts because they find the returns too low. Nevertheless, there is virtually no way around the call money account, because there are no interest rates on the current account and somehow it is necessary to protect the savings from inflation. An account comparison helps you determine the best daily money offers.
Fixed term: Secure investment with a slight yield advantage
Investors are more likely to have a longer term deposit. If you are prepared to commit yourself for two to three years, you can benefit from significant returns. However, not all capital should be invested in this way – the interest rates should rise, fixed capital is excluded.
Life insurance: ideal for long-term oriented investors
In the long run, life insurance has a lot to offer. Who today’s guaranteed interest rate of 1.75 percent beats most overnight money offers very clearly. This is not the only return, policyholders also receive bonuses. Overall, therefore, we can achieve a nice average return, and interested parties should not hesitate too long: Next year, the guaranteed interest rate for new policies is lowered to 1.25 percent.