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

This article, titled "Ten Things I Learned About ETFs as a Beginner Investor," discusses the author's journey of learning about Exchange-Traded Funds (ETFs) after realizing their previous financial strategy was lacking. Born as a left-leaning humanities student who was more concerned with politics than money, the author changed their perspective when they had to update their private pension plan in 2023. They had previously purchased a bond insurance policy from a friend, which they later realized was a poor decision.

The author emphasizes that while the theory behind ETFs is simple, the practical application can be challenging. They advise choosing a low-cost online bank, setting up a savings plan with a broad ETF, and checking up on it once a year. However, they caution that finding the right bank, understanding the difference between ETFs that pay out and those that reinvest, and deciding which bank to use for the initial investment can be daunting.

After conducting extensive research, the author concluded that ETFs were the way to go and invested in one in August 2025. They learned several lessons from this experience:

1. ETFs are not as green as they seem. While researching, the author found that some green ETFs had a limited number of socially responsible investments, while others had hundreds of positions. They decided to combine various ETFs, weighting them towards Europe and non-industrial nations.

2. The author acknowledges that they may not be making the most informed choices and understands that their decision may not be popular with their readers.

3. The author realizes that there are countless ETF experts online, but most of the information is specialized and not necessary for a beginner investor like themselves.

4. The author admits to feeling a bit selfish but acknowledges that they are learning from their experiences.