Geldanlage: Geld ohne Arbeit: Mit diesem Rechner planen Sie Ihr passives Einkommen

The concept of passive income through investing in the stock market has long been a dream for many people. Psychologist Valentin Haas explains that the desire for passive income primarily satisfies three psychological needs: security, freedom, and relief. The Handelsblatt newspaper has developed a calculator to help investors determine the feasibility of this dream.

Several strategies exist for generating a real income from the stock market. The calculator considers five of them: dividend-paying stocks, dividend ETFs, bond ETFs, money market ETFs, and real estate ETFs. Each strategy has its benefits and drawbacks. Dividend stocks and ETFs provide a more stable income but with lower payouts and less risk of loss.

Bond ETFs offer higher payouts but with a higher risk of default. Money market ETFs are the safest option but also offer the lowest yields. Real estate ETFs offer a unique opportunity to invest in real estate through publicly traded entities with tax advantages.

To estimate potential passive income, investors first need to determine the amount they can invest and their desired investment horizon, which can range from 20 years. They then choose a strategy from the three available options. The calculator then shows the estimated passive income for each year and how the value of the investment evolves over time, taking into account historical data of the individual components.

The passive income and course development are calculated based on historical data, allowing for a realistic estimation of future returns and dividend payout ratios.

The calculator also considers averaged values for dividend payouts and distinguishes between weak, average, and strong market conditions for the portfolio value. It is essential to note that all data is adjusted for historical inflation rates, ensuring the predicted passive income corresponds to today's purchasing power. However, it is crucial to remember that the calculator's estimated passive income represents a gross figure, and no taxes or fees have been deducted.

To illustrate, let's consider a concrete example: an investor puts 200,000 euros into three dividend ETFs - VanEck Developed Markets (35%), Vanguard High Dividend (35%), and iShares Global Dividend (30%). These ETFs are the largest dividend ETFs currently available. The iShares and VanEck products consist of 100 stocks each, while the Vanguard ETF contains over 2000 stocks.

In the given weight distribution, the investor would have approximately 26% in US stocks, 20% in Eurozone countries, 8% in the UK, and 7% in Japan. With this combination, the investor could expect an estimated dividend payout of 7,700 euros in the first year, which would increase over the following years and eventually exceed 10,000 euros annually in 20 years.

Simultaneously, the portfolio value could also rise, depending on the historical development of the assets.

The example demonstrates the challenge of relying solely on capital gains for living. Living exclusively off investments is usually only possible for individuals who have inherited significant wealth, started a business, or invented something and sold it at a good price. For employees, achieving financial independence through disciplined saving and wise investing is often extremely difficult, as stated by Michael Huber, the chief economist at VZ Vermögenszentrums.

Even with a million-euro starting capital, the passive income with the chosen portfolio would be only 38,500 euros in the first year. However, with the right combination, higher dividend payouts are possible, as shown by the Handelsblatt calculator.