Instant access savings as a profitable investment

The ideal investment for security-minded savers is instant access savings

There are many options when it comes to investing

Among the best-known and most popular forms of investment are the traditional passbook savings account, fixed-term deposits and instant access savings. In recent years more and more savers looking for an investment have opted for instant access savings. They offer greater flexibility than a passbook account and a return that at times can even match that of a fixed-term deposit. There are of course other forms of investment, such as shares and funds. But for several reasons those are not suitable for everyone. You can read below what advantages and disadvantages each investment brings.

Investments should be matched to savers' needs

An investment should not only deliver a high return. Above all it should be tailored to customers' needs. Fixed-term deposits meet many savers' wish for planning certainty and an attractive return. Shares allow more flexibility. However, they are not a security-minded investment, since not only large gains but also considerable losses can occur. Funds are an investment with slightly lower risk than shares, because they invest in securities from different companies. That spread means a smaller risk of loss, but the expected return is lower too. The danger of a sharp fall in value exists with this form of investment as well.

Instant access savings are a profitable investment

When deciding for or against an investment, instant access savings are always a good choice, because they combine high interest, low risk and exceptional flexibility. That makes them a suitable investment for many savers. Unlike shares, a loss of value is all but ruled out and they are particularly easy to manage. Unlike a fixed-term deposit, instant access savings are fully available at any time. With a passbook account, by contrast, only a limited amount can be withdrawn. Interest is also higher on instant access savings than on other flexible investments. Another plus of the DKB instant access savings account is the convenient online banking, assessed by TÜV Saarland. Opening the account is quick and is secured by verifying the account holder's identity through the PostIdent procedure. Lucrative, secure and simple - that is the investment of the future.