The ideal capital investment for your own needs

Providing for the future with the right capital investment

Forms of capital investment with low risk

Many savers want a capital investment that gives them the highest possible return with no risk of loss. One classic form is the passbook savings account, an investment most people know from childhood. It can be handled relatively flexibly and offers low interest. It also carries a three-month notice period and a maximum withdrawal of 2,000 euros per month. These terms have been improved considerably with instant access savings. In recent years more and more people have chosen instant access savings as an investment. They are popular because you can get at your money quickly and they pay good interest. The rate on a fixed-term deposit, by contrast, is fixed for the whole term. While you can get at your money in an instant access account at any time, with a fixed-term deposit the money is, as the name suggests, tied up.

Capital investments that carry risks

Anyone wanting a higher return can invest in shares or funds, as well as certificates and commodities. That does, however, mean accepting a considerably higher risk. A share is defined as a fraction of a company's share capital, and therefore of its value. That value can change sharply depending on various factors. With shares, therefore, both gains and losses are possible. Funds are another form of capital investment. These are packages of shares and other securities or investments from different companies and sectors, put together by investment firms. Broad diversification is intended to reduce the risk of loss, but cannot eliminate it entirely. So-called certificates allow private investors to take part in complicated investment strategies too. However, certificates are a very risky investment, because unlike funds they can result in a total loss. Commodities such as gold are popular as a long-term investment, because they generally do not become worthless even after heavy price falls. However, the purchase price can be considerably higher than the sale price.

Finding the ideal capital investment for your needs

Everyone has different demands of an investment when it comes to risk appetite and expected return. There is therefore no single ideal strategy for everyone. The task is to become clear about your own expectations and financial means, and to build a sensible strategy on that basis. Anyone who, like most savers, is looking for a balanced mix of security and return would be well advised to consider an instant access savings account. This form of investment combines both, and offers a high degree of flexibility on top. Once you have decided on the DKB instant access savings account, opening it is quick and easy. You can benefit from this investment after only a short time.