Geldanlage: Passives Einkommen mit Anleihen: Mit diesen ETFs bekommen Sie acht Mal im Jahr Zinsen

Leasing your money to generate regular income through bonds is possible, as bonds provide a fixed return upon maturity, regardless of short-term price fluctuations. Bonds have a fixed maturity date, at which point they are repaid if the issuer remains solvent. The recent drop in bond prices due to inflation concerns, rising interest rates, and increasing government debt has led to higher returns for bond investors, particularly in government and corporate bonds.

Many experts recommend investing in diversified funds to minimize risks. Broadly diversified bond funds are not ideal for passive income due to their fluctuating prices, whereas fixed-term bond funds, available as ETFs for the past three years, are more suitable. ETFs track bond indices and invest in bonds of companies, banks, and insurers with good credit ratings, considering sustainable criteria.

Most ETFs distribute dividends in March, June, September, and December (iShares) or February, May, August, and November (Xtrackers), resulting in eight payments per year. By combining these ETFs, investors can receive income eight times a year. The ETFs have maturities ranging from two and a half to nearly ten years, with most bonds maturing before the funds are liquidated, with the returned funds invested in short-term government bonds.

The dynamics of the portfolios make the income and returns of fixed-term ETFs less predictable than investing in a single bond, but the expected annual returns of iShares and Xtrackers ETFs that mature in two to three years are around 3.7%, while those with a five-year maturity are about 4%, and those maturing in nine to ten years exceed 4.5%.