Geldanlage: Zehn Dinge, die ich als Anfänger über ETFs gelernt habe

After my first pocket money, my financial strategy primarily consisted of spending as little as possible. While my brother largely invested in mixed packs, I kept mine for myself. Eventually, all of what I earned, with few fixed-interest exceptions, ended up in my savings account. It likely won't come as a surprise that I grew up as a typical left-green humanities student who preferred to deal with political affairs in the US rather than his personal finances.

However, that changed when I had to reorganize my private retirement savings last year. After all, that was why I had been concerned in 2008, with a degree in hand, when I concluded a pension insurance based on share funds at a friend, which of course was never a good idea. Everything was supposedly very secure. I didn't think twice and signed it.

I gladly mailed the annual overview post, without looking at it in more detail. Even a savings book would have thrown more away. That I looked more closely at my finances last year was probably also due to my move to Handelsblatt. It's impossible here not to think about one's own finances at some point. I was 42, and it turned out that after more than 15 years and more than 20,000 euros in contributions, I had made just 1,000 euros profit. Even though the share markets had done quite well in this time.