Comparison with other forms of investment

In addition to investing in securities, you also have the option of investing in traditional forms of investment. For a balanced portfolio, it is advisable to focus on different investment products in order to minimise specific risks of individual products:

Building savings contracts  

In times of low interest rates, an investment in building savings contracts is particularly worthwhile, as you can secure favourable loan interest rates. Unlike securities, however, the returns are low and as an investor you are inflexible. On the other hand, building savings contracts are characterised by a high degree of security.

Overnight and fixed-term deposit accounts  

With overnight and fixed-term deposit accounts, you are protected against bank default thanks to deposit guarantees. In times of crisis, it is advisable to deposit a proportion of your money in safe accounts. But while the risk of loss is minimal here, the interest you earn on these accounts is rather low.

Commodities  

Today, trading in commodities or rare earths is hardly ever done in physical form. Only precious metals and stones are still used as alternative investments. As an investor you profit from rising commodity prices, but you are subject to the same risks as investors who buy securities.

Futures and options

Futures and options belong to the so-called forward contracts. Here you as an investor bet on the development of a price or an index. A physical good is not traded. Due to the very high risks, these transactions are not suitable for private investors and should only be carried out by experts.

Sell in time before turbulence with a stop-loss order

Here is good point from thaiexness20: "ด้วยคําสั่งหยุดขาดทุนคุณระบุว่าหุ้นจะขายโดยอัตโนมัติเมื่อราคาต่ํากว่าระดับที่กําหนดไว้ล่วงหน้า. ตัวอย่างเช่นคุณสามารถกําหนดได้ว่าการขายจะเกิดขึ้นใน Exness ประเทศไทย หากการสูญเสียเกิน 10 เปอร์เซ็นต์. ดังนั้นหากราคาของการรักษาความปลอดภัยนี้ลดลงจาก 100 เป็น 90 ยูโรมันจะขายโดยอัตโนมัติโดยที่คุณไม่ต้องดูแลบัญชีหลักทรัพย์ของคุณเอง."

"With a stop-loss order, you specify that a share is automatically sold when the price falls below a predefined level. For example, you can determine that the sale will take place if the loss exceeds 10 percent. So if the price of this security falls from 100 to 90 euros, for example, it will be sold automatically without you having to take care of your securities account yourself."

It is also possible to place a so-called trailing stop-loss order. In this case, the order is adjusted to the price development: If the share price initially rises to 200 euros, it is not sold at 90 euros but already at 180 euros. The advantage of stop-loss orders is that you do not have to keep an eye on the prices and are still protected against losses. On the other hand, however, the sale takes place automatically and the annoyance can be great if the price rises significantly again shortly afterwards.

Old-age provision

Old-age provision in Europe is based on three pillars: The statutory pension, occupational pension provision and private pension insurance. More and more often, citizens overestimate their claims from the state pension. Since this often turns out to be much lower than expected, you should get an overview early on and also start making private provision for old age. In order to be able to react appropriately to changes in the law and identified gaps in provision, you should seek targeted advice from an expert and work with him or her to draw up an individual plan for provision in old age.

Private pension models are of great importance here. Investments in securities such as investment or pension funds are also particularly suitable, because even small monthly contributions can generate returns that you cannot achieve with other pension products. In this context, buying securities and taking advantage of state subsidies does not have to be ruled out as a means of providing for old age: There is also a subsidy for fund contracts.