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

Many people dream of earning passive income through investments in the stock market. Psychologist Valentin Haas explains that a passive income appeals to three main desires: safety, freedom, and relief. The Handelsblatt has developed a calculator to help investors determine how realistic their dreams are. The calculator considers five investment strategies: dividend-paying stocks, dividend ETFs, bond ETFs, money market ETFs, and real estate ETFs.

By inputting the amount they can invest and their desired investment horizon (up to 20 years), investors can see potential passive income each year. The calculator also shows how individual stock prices develop and how the value of their investment grows over time. All data is adjusted for historical inflation, reflecting today's purchasing power.

In 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%). The first-year estimated dividend payout is 7,700 euros, which could increase to over 10,000 euros in 20 years. The investment value may rise to 213,000 euros in the worst case or 305,000 euros in the best case.

Living solely off capital gains is challenging for most people, as stated by financial planner Michael Huber. Those with exceptional salaries or large inheritances might find it more feasible.