{
  "id": 17058935,
  "title": "Money. Life. Looman.: Building savings or ETFs? How to optimally save money for your own home",
  "url": "https://urgent.news/2026/10/29/geld-leben-looman-bausparen-oder-etfs-wie-sie-optimal-geld-furs",
  "topic": "business",
  "section": "Business",
  "published": "2026-10-29T12:11:46.000Z",
  "source": {
    "name": "Handelsblatt",
    "slug": "handelsblatt",
    "url": "https://www.handelsblatt.com/finanzen/anlagestrategie/kolumnen/geldanlage-bausparen-oder-etfs-so-sparen-sie-optimal-fuers-eigenheim/100265632.html"
  },
  "original_language": "de",
  "account": "A 29-year-old machine engineer earning €5,100 per month is looking to save and invest for a home in Brandenburg. He is considering three options: a Bausparvertrag with Landesbausparkasse (LBS) NordOst, a savings plan with Deutsche Bank, or index funds. The Bausparvertrag requires 108 monthly payments of €600, resulting in a €62,427 savings and a €87,573 loan with a 1.65% interest rate. In comparison, a Deutsche Bank savings plan with a 2% interest rate yields a €70,861 savings after 9 years, while index funds with bonds could result in a €76,278 savings, but with a higher interest rate risk.",
  "summary": "The savings and loan phase of a building savings contract can also be recreated with other financial products - without any closing costs. A simple calculation shows when which alternative is worthwhile.",
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "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."
}