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

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

Initially, my financial strategy was focused on spending as little as possible. While my brother invested most of his money in mixed funds, I kept my savings separate. Later, all the money I earned, with a few exceptions of fixed-interest accounts, ended up in my current account. It probably wouldn't come as a surprise that I grew up as a classic left-green humanities student who preferred to deal with political matters in the USA rather than his finances.

This changed when I had to reorganize my private pension last year. After all, that was the reason I had been attentive since 2008, with a degree in hand. Back then, I had taken out a pension insurance based on share funds, at a friend's recommendation, which, of course, was never a good idea. Everything was supposedly very safe.

I didn't think twice before signing. I dutifully mailed the annual overview, without looking at it too closely. Even a savings book would have provided more insight. The fact that I looked more closely last year probably had something to do with my move to the Handelsblatt. It is impossible to ignore one's own finances eventually.

At 42, I found out that after over 15 years and over 20,000 euros in contributions, I had only made 1,000 euros in profit. Despite the stock markets being relatively good during this time.