Geldanlage: „Auch eine Rentnerin kann 100 Prozent Aktien vertragen“

Many people find investing in stocks and bonds so complicated that they refrain from starting at all. According to data from the German Stock Institute, only about one in six German citizens own stocks either directly or through funds. However, financial expert Martin Weber argues that this fear is unfounded and can have negative consequences. Over the decades, Weber has researched investor behavior and provides tips for both beginners and experienced investors on how to build their portfolios.

Can anyone build their own investment portfolio? Weber states that it depends on one's goals and level of education. The most important thing is to start investing. Many people have a certain fear of investing their money on the capital market. Finding a bank advisor who will not only sell products from their own bank is a challenge.

Fee-based advisors may be a better option, as they provide more independent advice. However, numerous studies show that having friends or acquaintances who introduce you to investing and possibly give you tips can also be very helpful.

If I simply want to be a casual investor, is there a "Portfolio for Dummies"? A portfolio consisting of about two-thirds stocks and one-third bonds could be a good starting point. This combination is enough to begin with. If desired, one can also include commodities or real estate, but this would make it more complicated and require more specialized knowledge and time, which many people do not have or do not want to invest.

Two-thirds stocks and one-third bonds may seem aggressive to some. However, the key question is the investment goal. A 30-year-old aiming for a sports car at 40 would invest differently than a retiree saving for grandchildren. The time available for investing significantly determines how much risk one can take. Therefore, rules like the "90 minus age" rule for stock allocation are not necessarily valid.