{
  "id": 3508249,
  "title": "Geldanlage: „Auch eine Rentnerin kann 100 Prozent Aktien vertragen“",
  "url": "https://urgent.news/2026/08/26/geldanlage-auch-eine-rentnerin-kann-100-prozent-aktien-vertragen",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-08-26T12:43:00.000Z",
  "source": {
    "name": "Handelsblatt",
    "slug": "handelsblatt",
    "url": "https://www.handelsblatt.com/finanzen/anlagestrategie/trends/aktien-diese-tipps-helfen-beim-aufbau-eines-depots/100124450.html"
  },
  "original_language": "de",
  "account": "Many people find investing in stocks and bonds so complicated that they never even start. According to the German Stock Institute, only about one in six German citizens own stocks directly or through funds. Financial expert Martin Weber, who has researched investor behavior for decades, says this fear is unjustified and can actually cause people to miss out on potential gains. Weber emphasizes that anyone can build their own portfolio, depending on their goals and existing knowledge. The key is to invest, even if it seems daunting.\n\nWeber suggests finding a trustworthy bank advisor who can provide independent advice, or seeking recommendations from friends and acquaintances who can explain the basics of investing. If you want a simple approach, a portfolio with two-thirds stocks and one-third bonds may be a good starting point. Adding commodities or real estate could make things more complicated, however, and require more expertise and time. The right mix depends on your investment goals and how much risk you're willing to take, with the rule of \"100 minus age\" being irrelevant if your goal is to save for yourself until your death. For those who want to save for themselves without touching the money until they die, a life-cycle fund, popular in the US, may be a good fit.\n\nThat said, the stock allocation should ultimately be determined by your risk tolerance, which is influenced by how long you plan to invest and how comfortable you feel with market volatility. If fluctuations in the market cause you anxiety, a lower stock allocation may be preferable. While some highly successful investors have focused on just a few positions, most financial experts recommend diversifying as much as possible. If you have strong confidence in a single company and possess a unique informational advantage, investing in that stock alone could be appropriate. Ultimately, the key is to have better information than the majority of market participants.\n\nIndex funds can be a good choice, but beware that the MSCI World index primarily focuses on US stocks and excludes emerging markets, which have performed poorly in recent years. The question is whether it's worth seeking out the best funds or individual stocks. I would argue that simply investing in the market has proven to be a successful strategy over the long term. The recent market downturn in early April 2025 may have frightened some investors, but whether to sell or hold depends on your investment goals. If you have many years before you need the money, it's better to stay the course and weather market fluctuations without reacting emotionally. Diversification is crucial, but there's no strict upper limit to how many different asset classes you should include. A mix of stocks, bonds, and fixed-income investments, along with international exposure through ETFs, can provide a solid foundation for most investors.",
  "summary": "Martin Weber hat über Jahrzehnte das Verhalten von Anlegern erforscht. Im Gespräch erklärt er, worauf es beim Aufbau eines Depots ankommt und welchem Irrglauben Anleger nicht anhängen sollten.",
  "key_points": [
    "Only about one in six Germans own stocks directly or through funds.",
    "Financial expert Martin Weber says fear of investing is unjustified.",
    "Life-cycle funds may suit those saving for themselves until death."
  ],
  "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."
}