Stiftung Warentest is looking for the perfect investment for everyone
Friday, 19.05.17, written by Cora Christine Döhn
The Experts of Stiftung Warentest present an “ETF Depot for Everyone” in the latest issue of Finanztest. The so-called slipper portfolio they have designed especially for savers who want to build up a cushion, but have neither time nor fancy a complicated investment. The risk savers have in their own hands.
In ETFs Stiftung Warentest sees the perfect investment for everyone
In the current issue of Finanztest (6/2017) Stiftung Warentest presents a self-developed investment concept that should be easy and understandable for every saver. The so-called slipper portfolio , the testers have created specifically for people who are so far reluctant to invest their money profitably, but do not want to give up completely on return. The ETF-based portfolio needs little maintenance, but still allows for profits. How much the investment spends is related to the risk that savers want to take. But how exactly should anyone interested in building such a portfolio proceed?
Slipper portfolio: How do I put together a good portfolio?
The slipper portfolio from Stiftung Warentest consists of at least two components: an ETF for the return and a security module – for example a savings account or another ETF from a secure bond fund . What percentage of their available money savers invest in the first and the second building block depends on their risk appetite or their security needs. Stiftung Warentest speaks of a secure investment, when a share of 25 percent flow into the ETF and 75 percent to the savings account or the pension ETF. Procedure savers vice versa, they take a higher risk in purchasing.
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The agony of choice: which is the best ETF?
In principle, an ETF is nothing more than an equity fund that contains various securities. The stocks included in these packages share a peculiarity: they are based on an index and rise and fall with it . Unlike individual stocks, savers do not bet on a company or industry , but bet on a package based on an index. However, there are over a thousand of these ETFs that investors will need to decide on. According to Stiftung Warentest, the MSCI World Index is clearly the best choice . This is because investors are focusing on the entire world market and not only taking into account the European (MSCI Europe) or German market (DAX). With the MSCI World Index, therefore, the greatest risk diversification is possible.
Save with ETFs: Time is money and heals all wounds
Who wants to build a financial cushion with ETFs for a big trip, as an emergency or for old age, should bring two things above all: a sum of money of about 10,000 euros and a lot of time . The financial test experts advise savers to bring at least ten years, in which they can do without the invested money. Because the biggest enemy of any investment is a sale at a bad time due to lack of money. As a rule, ETFs regain control after a period of loss. Therefore, investors should be able to bring a long breath and be able to sit out bad times without fear of financial worries.
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ETF: Saving with Irregular Income
The Stiftung Warentest emphasizes that not only people with a certain investment amount can invest their money in the slipper portfolio. Even savers who can put aside regular, small monthly payments benefit from ETFs in the form of a savings plan. This is very similar to the one-time investment. Because here also a portion of the money is to flow monthly into one ETF and the other portion is kept safe on a call money account or saved in a pension ETF. Depending on how much risk savers are prepared to take, they should spend more or less money in the ETF.
The positive thing about this form of savings: No one has to pay the rates regularly every month. The savings rates can be suspended for a desired time, without fear of consequences. This is good , for example, for mothers who are on parental leave or who have little money available in their first few years after the birth of a child. So they can save themselves a buffer, put aside money for the education of children or build a cushion for the retirement age.