Investment strategy with model portfolio: Invest money safely
More return? But safely! Get to know the "slipper portfolio" for beginners. With it, you invest your savings consciously and determine the risk yourself. The highlight of this investment strategy, which is well-known from the magazine Finanztest, is that you only need to gather a little specialist knowledge. The secret of success lies in long investment periods and a broad diversification of capital. Find out here how you can achieve higher returns than with pure interest-bearing investments.
Don't be afraid of the stock market!
Pure interest-bearing investments in exness sign up such as call money are undoubtedly safe, but the returns remain meagre. Currently, the interest rates offered by providers do not even compensate for inflation. The stock market offers high-yield alternatives - but this also increases the risk of losses, doesn't it? It depends, say financial experts. After all, there are ways to earn more returns and keep the risks of loss comparatively small. There are two keys to success: the capital should be widely spread and you should always plan with a long investment horizon.
The more capital you invest in the stock markets, the more patience is required. This is because the indices fluctuate significantly. Plan for a long investment horizon so that you don't have to get out at the bottom of the market. Even if you want to use your investment for a specific purpose, do not set a fixed end point. It is worthwhile to plan for a transitional phase of three to five years in order to find the ideal time to liquidate the portfolio. You can choose which fluctuations the portfolio should be subject to. The solid portfolio consists of bonds with a good credit rating and has only a small share of equities; it is therefore subject to minor fluctuations. The situation is different with the dynamic or even offensive portfolio. The offensive portfolio consists exclusively of shares and is therefore subject to high fluctuations - but the return should also be higher.
A portfolio for beginners consists of only two components. You invest part of your capital in the clearing account. The other part you invest in a globally operating ETF (Exchange Traded Fund).
Clearing account: A clearing account offers security and the deposited money can be withdrawn at any time.
ETF: ETFs track stock indices such as the MSCI World. This allows you to invest as successfully as the average equity investor and benefit from broad diversification at low cost.
Now also included: Sustainable model portfolios
With these model portfolios you can implement your sustainable investment strategy. At the same time, you invest in a better world. The sustainable model portfolios are based on those for advanced investors. However, they consist entirely of sustainable funds and ETFs. Choose the right model portfolio depending on how much risk you want to take.
Now it's time to wait and see: Wait and see and keep calm!
Once you have set up your portfolio, wait and see. It is important to rebalance at regular intervals. Because in the long run, the share of investments that achieve a higher return can grow. This shifts the risk distribution that you have defined for your security strategy. With rebalancing, you distribute the values again as originally planned.