{
  "id": 10694470,
  "title": "Geldanlage: Zehn Dinge, die ich als Anfänger über ETFs gelernt habe",
  "url": "https://urgent.news/2026/09/29/geldanlage-zehn-dinge-die-ich-als-anfanger-uber-etfs-gelernt-habe",
  "topic": "business",
  "section": "Business",
  "published": "2026-09-29T13:02:00.000Z",
  "source": {
    "name": "Handelsblatt",
    "slug": "handelsblatt",
    "url": "https://www.handelsblatt.com/finanzen/anlagestrategie/geldanlage-was-ich-als-etf-anfaenger-gelernt-habe/100184984.html"
  },
  "original_language": "de",
  "account": "When I first started investing my savings, my financial strategy primarily involved spending as little as possible. While my brother invested most of his money in mixed funds, I kept mine in my bank account. Later, all the money I earned, with a few fixed-interest exceptions, ended up in my current account. It may not come as a surprise that I grew up as a classic left-green humanities student, more interested in US political affairs than my finances. This changed when I had to rework my private pension last year. After all, that was what I had been working towards since 2008, with a degree in my pocket. Then, I had invested in an insurance policy based on equity funds, through a friend, which is never a good idea. Everything seemed very secure at the time. I didn't spend much time analyzing the annual overview letter, I simply mailed it back without looking closer. Even a savings book would have helped more. I only started paying attention to my finances more closely after I switched to Handelsblatt. It's hard to ignore personal finances after a certain age. I was 42, and it turned out that after more than 15 years and over 20,000 euros in contributions, I had only made 1,000 euros in profit. The stock markets had been doing reasonably well during this period. This was probably due to the high fees. Even a savings book would have saved me money. I terminated the private pension insurance at my former schoolmate's successor. He didn't argue too much against my decision. I now had over 20,000 euros available to start my private pension anew. I, who had just switched to online banking and already had so much money in my current account that my local bank kept complaining, at least put part of it into more meaningful storage. I firmly believed I wanted to invest this money in green investments. It seemed natural to choose an equity fund from GLS Bank or Ökoworld. However, these options came with high fees because selecting funds to make them sufficiently green was a challenge. But my need for reduced costs was satisfied. I was prepared to make compromises in terms of accuracy. Everything led to an ETF savings plan, promising high returns with relatively high safety, as long as the money was not needed for at least a decade. No matter where I looked, the answer was always ETF. Even my socialist favorite economics podcast \"Wohlstand für alle\" recommended ETFs and pointed out that even Karl Marx speculated on the stock exchange (relatively unsuccessfully), so the decision was made. In August 2025, I finally started. This is what I learned as an ETF beginner since then.",
  "summary": "Aus dem Handelsblatt-Archiv: Unser Autor befasst sich zum ersten Mal in seinem Leben mit ETFs – und stellt fest, dass Altersvorsorge damit in der Theorie einfacher ist als in der Praxis.",
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 2,
    "also_reported_by": [
      {
        "outlet": "Handelsblatt",
        "title": "Geldanlage: Zehn Dinge, die ich als Anfänger über ETFs gelernt habe",
        "url": "https://urgent.news/2026/09/24/geldanlage-zehn-dinge-die-ich-als-anfanger-uber-etfs-gelernt-habe",
        "published": "2026-09-24T05:55:00.000Z"
      }
    ]
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}